Current location - Music Encyclopedia - NetEase Cloud Music - As you prepare to travel by car on May Day, what should you pay attention to when it comes to car insurance?
As you prepare to travel by car on May Day, what should you pay attention to when it comes to car insurance?

A. Planning Based on experience, the issues you need to consider mainly include: methods, costs and directions, etc. Method: First of all, the participants. If you plan to ride a bicycle alone, the main issue you need to consider may be safety. But if you are dragging your family with you or traveling with a team, there is the issue of vehicle selection. There are pros and cons to renting a car or owning your own vehicle. The advantage of renting a car is that you can choose different models depending on the number of participants and the road conditions at your destination. Expenses: Expenses that must be considered when traveling by car mainly include: fuel costs, road and bridge tolls, accommodation costs, food costs, attraction ticket fees, and personal property insurance premiums, etc. Road book: The so-called road book is a driving plan. The main contents that the road book needs to include include the schedule, major cities passed, mileage, meals and accommodation locations, scenic spots along the way, and road conditions. In a word, the more detailed the road book, the better.

B. This reminder about inspection is really a cliché, but it is indeed an important link that cannot be ignored. No matter how busy you are at work, you must seize the time to send the car to the 4S shop for comprehensive maintenance and safety. Check, any fluke mentality will bring greater losses and troubles. Maybe you will say that just walking in front of your home, a small problem is okay, or maybe this small problem is a safety hazard. If not solved in time, it may really cause a disaster. Don't be careless when it comes to safety. In fact, many 4S stores now launch some free maintenance and testing projects for customers before and after the long holidays. Car owners should take the initiative to consult the dealer for relevant information before traveling.

The following items should be paid special attention to when testing before traveling.

1. When driving the car, check whether the engine light, airbag light, ABS light, and S light (when the S key is turned off) are on. If not, go to the service station for repair.

2. Check the braking system: see if the braking distance is normal. If your old car runs a long distance, you should calculate the mileage of the last time you replaced the brake pads and clutch plates to ensure that excessive wear of the above two plates will not cause vehicle failure.

3. Check the direction system: Check whether there is trembling, wobbling or deviation in the direction.

4. Check the engine oil level, antifreeze level, transmission oil level, steering assist oil level, and brake oil level. By observing the appearance of vehicle components and the ground under the vehicle, see Check for oil or fluid leaks.

5. Check external equipment such as wipers, tires, rearview mirrors, etc. Pay special attention to tire pressure. Too low tire pressure can easily cause a tire blowout while driving at high speeds.

6. For vehicles with electronically controlled fuel injection engines, be very careful when adding gasoline. It is best to choose state-owned large and medium-sized gas stations. Low-quality gasoline can easily cause damage to the engine.

C. Equipment When traveling by car, it is best to take your home with you if possible, as this may be the most reassuring. Of course this is just a luxury. Basically, in terms of travel preparation, it can be divided into five major types.

1. Text categories: ID cards, driver's licenses, driving licenses, road maintenance fees and purchase tax documents, vehicle use tax documents, route maps, credit cards, insurance premiums, notebooks and pens, etc. Especially when going to unfamiliar places, it is very effective to prepare a map in advance. At present, GPS navigators are increasingly becoming one of the necessary equipment. You should also prepare some favorite music before setting off. The joy of self-driving is the car, people, music, and process. The memories in the future often emerge more clearly because of the music.

2. Daily necessities: appropriate clothing, sun hats, gloves, soft-soled shoes suitable for driving, rain gear, lighting equipment, thermal kettles and tableware, photographic equipment, toiletries, etc. Lighting equipment: In addition to the necessary basic lighting such as rechargeable camping lamps and vaporization lamps, it is recommended to bring more props such as fairy sticks and candles to create an atmosphere to add interest to the trip.

3. Drugs: bandages, band-aids, disinfectants, anti-inflammatory drugs, heatstroke prevention drugs, anti-motion sickness drugs, mosquito repellent lotions, etc. Please pay attention to the expiration date of any medicines you bring, and do not use expired medicines.

4. Vehicle spare parts: "Four magic weapons" can be carried with the vehicle to be prepared. These magic weapons are tow ropes, battery cables, triangle parking warning signs, and spare tires. The most important thing to emphasize is water. In addition to drinking water, you also need to use tap water in plastic barrels of more than 10L, which can be used for washing hands and replenishing engine coolant in emergencies to avoid "boiling". If possible, bring a bucket of engine oil and gasoline for emergency use.

5. Others: emergency devices, multi-function watches, compasses, communication devices, combination knives, camping equipment, etc. If you have a car rescue card, it is best to carry it with you.

D. Driving The most important part of a self-driving tour is driving. Usually we drive from the noisy city to the quiet suburbs, or from one city to another. Therefore, frequent changes in road conditions such as urban roads, mountain roads, and highways are inevitable, and corresponding driving skills and precautions should be paid special attention to.

1. Always check the water temperature and oil pressure data on the car dashboard. If it exceeds the normal range or if there are abnormal noises or other abnormal phenomena while the car is driving; such as smelling an odor or seeing a lot of hot steam coming out, etc. You must stop immediately for maintenance before continuing to drive.

2. Try to avoid driving at night. If you need to drive at night, you should slow down and use the technique of changing high and low beams. When encountering the other party's lights that are too bright, the correct approach is to slow down or stop.

3. When driving on mountain roads, there are often many and sharp turns. At this time, you must not overtake in the curve or occupy the opposite lane to turn when you cannot clearly see whether there is an oncoming car in front. You must turn before turning. Slow down and honk.

4. When driving long distances, you should first avoid driving while fatigued. Drowsy driving is one of the main causes of accidents. If you feel sleepy, you should stop for a short rest or change the driver. Never force yourself to go on a journey.

5. When driving on the highway and need to stop in an emergency, you should park in the emergency lane. If you need to rest after a long drive, you can stop at the service area of ??the highway or at the exit of the toll station.

6. When parking temporarily in the wild, be careful not to park at corners, where the line of sight in a certain direction is not good, on steep slopes, where suspicious people are staying, or in other places where you feel unstable. When parking and taking a rest, be sure to lock the doors and windows and pay attention to the safety of personal property.

Notes on special sections

1. Passing a mountain road: One side of the mountain road is backed by a mountain, and the other side is a cliff or river. The road surface is narrow, there are many bends, there are many caves, and the view is limited. It is difficult to detect incoming cars in advance. At this time, you should choose to drive in the middle of the road or on the mountain side. When turning, you should keep in mind the essentials of "slow down, honk, and keep to the right." Always pay attention to oncoming vehicles and road conditions.

2. Passing through ditches: When crossing shallow ditches, vehicles should drive at a low speed and enter diagonally, so that one wheel crosses the ditch and the other coaxially enters the ditch. When crossing a deep ditch, first gear should be used, and if the vehicle has an all-wheel drive device, it should be activated. When entering the bottom of the ditch, increase the accelerator to make the wheels quickly climb to the top of the ditch.

3. Passing through valleys and ravines: Gullies are generally formed by flowing water, so you should choose an appropriate location to pass through. Before passing, you should stop and observe, and then approach at a low speed. When you reach the shore, you should use the brakes to control the wheels to slowly enter the valley, let the front wheels fall to the bottom of the valley at the same time, then accelerate to normal driving speed, and increase the accelerator when the front wheels touch the opposite bank. Climb to the top of the slope.

4. Passing a steep slope: When encountering a steep slope, you should correctly judge the slope situation in time and change to medium or low speed gear in advance according to the vehicle's climbing ability. To keep the vehicle with sufficient power, do not wait for the vehicle's inertia to disappear before changing gears to prevent it from parking or rolling back. If you are forced to stop, you should stop before starting again to avoid damaging the machine parts or even causing an accident. If the gear shift fails and the vehicle stalls and rolls back, don't panic. Use the foot brake and hand brake immediately to stop the vehicle (never step on the clutch pedal). When going downhill, you can use the dragging effect of the engine and the foot brake to control the vehicle speed, and avoid sliding in neutral.

E. Emergency Chapter When traveling by car, the embarrassment of your car being stranded on the road, or encountering a minor accident will definitely greatly reduce your joy of traveling. However, if you master the following coping methods, you can ensure your driving is as worry-free as possible. Emergency measures for common problems

1. The engine cannot start: First check whether the distributor, spark plugs, high-voltage wires, etc. are damp due to rain or other factors in the car. If so, you can dry the damp parts before starting the engine. ; Secondly, check whether the spark plug is damaged. If it is damaged, just replace it; finally, check whether the battery voltage is sufficient.

2. Sudden tire blowout: A rear tire blowout will cause the rear end of the car to sway, but the direction will generally not be out of control. At this time, you can repeatedly apply the brake lightly to slowly stop the vehicle. A burst front wheel will cause the car to veer to the side of the punctured tire. At this time, you should control the steering wheel with both hands and release the accelerator pedal so that the car can stop by itself using rotational resistance. Do not rush to brake.

3. Braking failure: First, control the direction according to the road conditions and vehicle speed, disengage the high speed gear, and at the same time quickly step on the empty gas pedal to shift the high speed gear into the low speed gear. When changing to a low gear, the handbrake should be used in combination, but be careful not to tighten the handbrake, otherwise the brake disc will easily "lock", which may damage the transmission parts and lose the braking ability.

4. Boil the water tank: Do not turn off the ignition switch after parking. Let the engine continue to run and use the fan to cool it. After the engine has cooled down, cover the radiator cap with a cloth and slowly open it. At this time, be careful to keep a distance to prevent hot water from spraying out and scalding people. If there is a lack of cooling water, the added cooling water should be distilled water, purified water and other soft water to prevent the formation of scale that affects heat dissipation. How to settle claims for distress in other places Once a traffic accident occurs on the road, car owners should keep a cool head and place an obvious warning sign behind the car. On the other hand, report the crime immediately and notify the traffic police. If there are casualties, active assistance should be provided and immediate assistance from medical institutions should be requested. In addition, you should call the local branch of the insurance company (no more than 48 hours). The insurance company will promptly dispatch investigators from the local branch to the accident scene. If the vehicle cannot drive, please wait for vehicle rescue. If the accident involves compensation claims, the car owner should submit a claim request to the investigating insurance company personnel. Afterwards, the car owner can choose to go to a repair station recommended by the local insurance company for repairs. After the vehicle is repaired and the accident is settled, he will return to the insurance place to submit claim materials. If no casualties are involved, the generally required claim documents include: ID card and claim application form. , Driver's license (original and duplicate), driving license (original and duplicate), traffic accident certificate, traffic accident compensation mediation letter, court judgment (if there is a lawsuit), vehicle repair invoices, rescue fees, compensation receipts and original bills of related expenses wait.

At present, some insurance companies have successively launched a national auto insurance compensation service - "If an accident occurs in a different place, the compensation will be paid locally." After the insurance company has reviewed and verified, the compensation can be collected in a different place.

However, just in case, you should confirm with the insurance company before departure and carry out "policy modification" to expand the coverage to other places. If it is fully insured, generally only 50 yuan will be charged for a month out of the province

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance