Is it necessary to buy these insurances for a new car? Kneel down and ask for advice

The parking environment is good, do not go to the field, and the workplace parking is safe, you can not steal and rescue it. The three insurance is increased to more than 500,000, the three insurance is used as a supplement to the compulsory insurance, and the compensation is paid to the third party, that is, the other party, such as hitting someone, the property damage compulsory insurance only pays 2,000, personal injury 10,000, death and disability 110,000, and the rest is supplemented from the three insurance. There is also scratch insurance, your insurance amount is 5000, this insurance amount means that no matter how many scratches you have in a year, the maximum reimbursement can not exceed 5000, which is cumulatively paid, and will not be fully compensated each time, only 80% can be paid, and the number of reports is more, and the insurance premium you report next year is high, and the premium of the scratch insurance itself is nearly 600, so there is no need, and it can't be drawn.

The first year's car is recommended to be insured for car damage, and the three are more than 500,000 yuan, and a glass insurance is enough. Glass insurance is the type of insurance paid when the car does not have any accidents, such as falling on it, and the child is naughty and deliberately smashes our glass, and the glass damage during the driving process is compensated in the car damage insurance. By the way, your insurance policy has a special clause for a 500 yuan car damage deductible, which means that for example, we are going to repair the car, and it costs 1000 to repair the car, and we have to pay 500 ourselves

The rest of the insurance company only pays, 2000 for car repair, and the insurance company only pays 1500It is generally a clause only available to insurance companies that use class B clauses, it is recommended to ask other insurance companies, such as whether PICC has this clause, it is best not to, although the premium of the year will be cheaper by more than 100 yuan when this clause is added, but once a claim occurs, you will have to bear the cost of 500.

Generally, buying insurance for a new car depends on the individual, there are those who buy full insurance, and those who only buy basic insurance, and I personally think that scratch insurance is not necessary, and depending on the price of your car, it should not be expensive to repair the paint, and the glass insurance is not necessary, will the glass be broken? There is no need for theft insurance, unless you have poor security, but it is recommended that you add more than 300,000 yuan to the third liability insurance, at least 500,000 yuan.

If you want to buy it, buy Ping An's insurance.

After buying a new car, you need to purchase compulsory traffic insurance, third-party liability insurance, vehicle loss insurance, special insurance without deductible, and scratch insurance. Insurances such as vehicle suspension loss insurance, spontaneous combustion loss insurance, on-board liability insurance, no-fault liability insurance, and glass breakage insurance can be omitted.

The insurance that needs to be purchased is, third-party liability insurance, compulsory traffic insurance, glass insurance, scratch insurance, and wading insurance. The insurance that can not be bought is, vehicle personnel insurance, safety insurance, vehicle protection insurance, and vehicle value preservation insurance.

Car personnel insurance, excluding deductible insurance, theft insurance, glass insurance, wading insurance, these insurances all need to be purchased, of which compulsory traffic insurance car damage insurance must be purchased, third liability insurance, motor vehicle loss insurance, these insurances can not be purchased.

After buying a new car, you must buy compulsory insurance, and then you must also buy third-party liability insurance. Both types of insurance are mandatory. Personnel insurance on the car, excluding deductible insurance, theft insurance, as well as glass breakage insurance, wading insurance, these insurances can be bought or not, and do not affect the road.

Introduction: For novices, it is necessary to buy car insurance when buying a new car, but in fact, there are many car insurance that are not necessary to buy, and there is no effect after spending money. This includes spontaneous combustion insurance, which is the manufacturer's responsibility for the warranty of the vehicle during the warranty period, and if it is a duplicate insurance after purchasing this insurance, it makes no sense, and the insurance company will not make the second compensation.

There is also scratch insurance, such as a car within 200,000 is not necessary to buy scratch insurance. There is also a separate broken car window glass insurance, which mainly refers to the type of insurance that needs to be purchased for the separate shattering of the window glass to the windshield, which is not of great significance to many car owners, as well as theft insurance, which is also a very easy risk for many car owners, you must know that the current car theft incident is actually very rare, which is also because the car confidentiality security measures are very in place.

What kind of car insurance is there that need to be bought?

When buying a vehicle, the first thing you need to buy is compulsory traffic insurance, which is also the insurance that the state requires the owner to buy, there is no way to go on the road without buying, and there is no way to carry out annual inspection, if it is found, the car will also be detained, and at the same time to accept penalties. However, the premium borne by the compulsory traffic insurance is actually relatively small, and it is not possible to reduce the economic burden at this time, especially in the event of a traffic accident, so it is necessary to purchase third-party liability insurance, which can also reduce the economic burden, and can also be used as a supplement to the compulsory traffic insurance.

The vehicle does not need to be fully insured.

When buying car insurance for a new car, it is necessary to take full insurance in the first year, which is also mandatory for 4S stores to purchase full insurance for the first year. In fact, for many car owners, there is no need for full insurance, and they only need to selectively purchase some types of insurance that may be encountered.

Summary. Finally, vehicle insurance is very important, but it is also necessary to be selective when buying, and many insurances are fooling, so it is enough to buy what you just need, otherwise it is not cost-effective to lose money.

Car seat liability insurance, wading insurance, theft insurance, spontaneous combustion insurance, vehicle scratch insurance, these car insurance is not necessary to buy, because under normal circumstances, these things will not be encountered, and vehicle scratch insurance if the vehicle is scratched in the event of an accident will be included in other car insurance that needs to be purchased.

Spontaneous combustion insurance, scratch insurance, wading insurance, glass insurance, seat insurance, these insurances do not need to be bought, even if these things will happen, it will not cost a few dollars.

The vehicle's wading insurance, spontaneous combustion insurance, seat insurance, scratch insurance, glass insurance, these insurances are not necessary, and it is recommended not to buy these insurances for new cars.

Scratch insuranceScratch insurance, generally just bought a new car like scratch insurance. Why is scratch insurance not worth it? For example, the scratch insurance amount is 2,000 yuan, **400 yuan; 5,000 yuan, **800 yuan.

If the amount is added up, the premium for the second year will be **. In this way, this insurance is very cost-effective, there are really scratches, and you can go directly to the car damage insurance.

How to buy car insurance is the most cost-effective.

Spontaneous combustion insuranceIn fact, there is no need for spontaneous combustion insurance for new cars, it is completely the role of psychological comfort. Because the new car is under warranty, spontaneous combustion occurs, the manufacturer will pay compensation, and spontaneous combustion insurance is useless. If it is spontaneous combustion caused by changing the line by yourself, then let alone the insurance will not pay for it, and the manufacturer will not pay for it.

Wading insuranceBefore buying wading insurance, you must carefully read the rules of wading insurance. Compensation will only be made if the engine is flooded. After wading, Peizhi will start the engine this time, and there will be no compensation.

If you wade through the street, etc., the insurance company will not pay. This "natural and man-made" risk is of little significance. It is still necessary to buy it in places where it is often flooded by heavy rains

The so-called glass shattering insurance means that only if the front windshield is broken, can you get the compensation. Is this a possibility? Yes, indeed.

But the likelihood of it happening is very small. Even if the glass of the car is really broken, then you can also find car damage insurance to pay, so there is no need for glass insurance to come out alone.

Newbie + New Car.

Compulsory traffic insurance + car damage insurance + three-party insurance + theft insurance + vehicle personnel liability insurance + deductible special insurance.

Reason: Blank cover for no reason.

Newbie + old car.

Compulsory traffic insurance + car damage insurance + three-party insurance + on-board personnel liability insurance + deductible special insurance.

Reason: Many novices often drive old cars to practice their skills, and it is recommended to try to keep enough when applying for insurance. Since thieves rarely visit old vehicles, theft insurance is avoided.

How to buy car insurance is the most cost-effective.

Veteran + new car.

Compulsory traffic insurance + car damage insurance + three-party insurance + theft insurance + vehicle personnel liability insurance + scratch insurance.

Reason: The brand-new beautiful car attracts the attention of passers-by at the same time, but also attracts the attention of thieves, so it can be equipped with insurance theft insurance, scratch insurance can also be appropriately invested, mainly depending on the grade of the car.

Veteran + old car.

Compulsory traffic insurance + car damage insurance + three-party insurance + vehicle personnel liability insurance.

At the same time, even old cars have to be repaired after a major crash, so taking out car damage insurance can reduce a lot of trouble. In addition, people are still the most important thing compared to cars, so it is essential to have liability insurance for people in the car.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, vehicle personnel liability insurance.

1.Compulsory traffic insurance. Compulsory traffic insurance is a compulsory type of insurance stipulated by the state and must be purchased.

Even if the car owner does not purchase other insurance, compulsory traffic insurance must be purchased. However, compulsory traffic insurance is not omnipotent, compulsory traffic insurance is a compulsory liability insurance for the victim's personal and property losses caused by road traffic accidents caused by the insured motor vehicle, and compensates within the liability limit, but does not include the car repentance banquet personnel and the insured.

2. Car damage insuranceCar damage insurance is a very basic commercial car insurance. Novices on the road will inevitably bump and scratch, so it is necessary for car owners to purchase a car damage insurance. During the driving process, the vehicle has a risky accident, resulting in damage to the insured vehicle, or some damage to the vehicle.

As long as these are within the insurance coverage of the insurance company, then the insurance company will give a certain amount of compensation according to the agreement. However, there are some exclusions that the insurance company will not compensate, such as broken glass, theft, etc.

3. Third-party liability insuranceThis is actually a supplement to the compulsory insurance of motor vehicle traffic accident liability, that is to say, according to the current compensation standard, the owner still needs to bear considerable compensation after receiving the compensation of the compulsory traffic insurance, so the owner also has to purchase the third-party liability insurance to pass on the potential risk. Third party refers to things other than the insured vehicle, including other motor vehicles, non-motor vehicles, people, animals, road traffic facilities, etc. However, the occupants of the vehicle are not covered by the third liability insurance.

4. Liability insurance for personnel on the vehicle This is a supplement to the third liability insurance, because the third liability insurance does not insure the personnel on the vehicle. Occupant Liability Insurance is responsible for compensating the occupants of the insured vehicle due to traffic accidents**. The amount of the liability insurance for the occupants of the vehicle is chosen by the owner and can be as low or as high as possible.

<> it can be said that the standard of living is much higher than in previous years, and it is in this form that many families can easily buy a car. Buying a car is actually improving the quality of life, and you don't have to worry too much about travel with it. However, you must know that if you incur 620,000 yuan in repair costs, because you are fully responsible, then the compulsory traffic insurance can only pay 2,000 yuan; If Z did not buy car insurance, there was no way to compensate through the third-party liability insurance in the car insurance, so the loss of 620,000 yuan would have to be borne by himself.

We usually divide car insurance into two categories, one is compulsory traffic insurance; The first type is commercial insurance. As we all know, compulsory traffic insurance is a vehicle insurance that must be purchased by the state, but commercial insurance can be purchased freely. Commercial insurance can be subdivided into main insurance and additional insurance to buy, I bought it in China Insurance Property Insurance, and the activity price at that time was 3580 yuan.

If it is a new car that has just been licensed, the 4S store sales will arrange everything, and you don't have to worry about it. May mine be of help to your hand.

Let's talk about what insurance company to choose first. The top four insurance companies that can be found in China, PICC, Ping An, Pacific, China Life (Life), and other insurance companies are in a certain place or region may exceed these four families, the ranking should be the national line, in fact, the current body insurance has included scratch insurance, small scratches, as a few years of car has not been bought, this is body insurance, must be bought, it contains this melon is very salty, you can see it yourself, it is not expensive.

Car damage insurance: car damage insurance is used to protect themselves, car damage insurance is only for the car not for people, car damage insurance is relatively expensive, at present, because the zero ratio of the car is generally high, it is not low to repair the 4S shop, so the car damage insurance can be said to be the most expensive insurance; It is useless if you lose the insurance, because the claimant is the other party's insurance company. If the damage to the accident is relatively large, you should pray that the other party has enough insurance.

By now you should understand that the so-called insurance is only useful when you need to pay for others.

Compulsory traffic insurance, third party liability insurance, vehicle loss insurance, deductible insurance, vehicle damage insurance, scratch insurance. These insurances are mandatory when buying a new car.

What needs to be purchased is scratch insurance, compulsory traffic insurance, third liability insurance, vehicle loss insurance, and deductible insurance.