【 以下文字转载自 Automobile 讨论区 】
发信人: alvdena (Groundwater), 信区: Automobile
标 题: 请教新车保险购买问题
发信站: BBS 未名空间站 (Mon Apr 28 13:44:29 2014, 美东)
之前开旧车我是不买自保的，这会儿要买新车我想请教大家保险问题
（1）comprehensive
这个是在非碰撞情况下使用的，比如我们自己不小心趁坏的？
（2）Collison
这个我觉得是不是应该deductible越低越好？250刀差不多嘛？一旦修车有时候就是
1000刀的事儿，但是自己出太多这个保险似乎作用都不大了。
（3）Emergency Road Service
这个需要吗？我每年都会购买AAA中级会员，是不是有AAA的会员就不要这个了？
（4）Transportation Expense
这个貌似是必备的
（5）Mechanical Breakdown Insurance 785913
这个是我最不懂的，这个engine之类的厂商一般都会保，这个MBI不包maintenance，那
出问题也不会找他们，一边先找厂商，对不对？
What is Mechanical Breakdown Insurance (MBI)?
Mechanical Breakdown Insurance covers many mechanical repairs to your car,
protecting you from expensive repair bills. This coverage is only available
for vehicles with less than 15,000 miles that have been purchased within the
last 15 months. A $250 deductible per claim applies. Mechanical Breakdown
Insurance is similar to a dealer's extended warranty protection. It's in
excess of coverage provided by the manufacturer's warranty.
Mechanical Breakdown Insurance covers repairs to the following systems:
Engine Steering Air Conditioning
Transmission Cooling Brakes
Drive Axle Suspension Electrical
EXCLUSIONS: MBI does not include regular maintenance services such as tune-
ups, suspension alignment, wheel balancing, filters, lubrication, coolant
and fluids, spark plugs, brake pads and lining, brake shoes and tires (
includes tire wear and/or tire damage). Breakdown repairs made necessary by
intentional damage, rust and oxidation, misuse, or improper maintenance are
not covered. Mechanical Breakdown coverage is in excess of coverage provided
by the manufacturer's warranty.
