Dear, buy car insurance, should buy those items

Compulsory traffic insurance is necessary, commercial insurance for new cars, you can buy all of them, you can also choose to buy, it is recommended to buy car damage, three responsibilities, car personnel, theft insurance, glass, scratches, special third-party liability insurance. Cars that are more than five or six years old can be insured with spontaneous combustion insurance. In rainy places in the south, add wading insurance.

Compulsory traffic insurance is a must, three liability car damage and deductible is also essential, glass insurance, theft insurance, scratch insurance can be selected according to the actual situation!

Hello! Compulsory traffic insurance must be bought, and car damage, three, theft, and seat insurance are not deductible. You can consult me if you have any specific needs.

Compulsory traffic + three + excluding deductibles + occupants + car damage + theft, etc., to buy insurance should be based on the guarantor.

Jiaoqiang! Three! Car damage! Deductible not included! Scratch: Scratch Risk! Robbery.

Hello: First of all, the strong insurance must be paid: three: car damage: scratches: excluding deductibles: seats, etc., please chat privately if you have any consultation.

First of all, compulsory traffic insurance + three-party insurance is essential, for the sake of safety or full insurance.

Compulsory traffic + car damage + three + no deductible.

Do full insurance, plus natural insurance as mentioned above! Yesterday there was a female driver in Dunhuang car naturally....

There is no deductible tax for all three.

According to the condition of the vehicle, the use, and personal wishes, compulsory traffic insurance must be available.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

According to the price of the car and the use of the year, the type of insurance purchased is different!

Taiping Auto Insurance is here for you.

1. Compulsory traffic insurance.

The first is compulsory traffic insurance. Compulsory traffic insurance is a compulsory insurance that must be purchased for motor vehicles. This is the compensation by the insurance company for the damage caused by the accident of the insured motor vehicle and the Internet.

This is a must for our car owners and friends, and they cannot be released from insurance at will. Once you get out of bail, you are breaking the law. The cost of compulsory liability insurance is the lowest.

The premium of the first year of compulsory insurance for the same model is the same, and the amount of compulsory insurance is related to the number of seats on the car and the nature of use.

On September 19 last year, the comprehensive reform of auto insurance was launched. The upper limit of the new compulsory liability insurance** will remain unchanged at 30%, while the minimum discount will be expanded from the original minimum discount of 30% to the discount of 50%, and the lower the insurance rate, the more affordable the premium discount.

Taking our common family cars with less than 6 seats as an example, the basic premium of compulsory traffic insurance in the first year is 950 yuan, and before the reform, in the case of no compensation, you can get a maximum of 7% discount in the third year, which can be discounted to 665 yuan; After the reform, it can be discounted by up to 5%, and the maximum discount can be 475 yuan.

In addition, for minor traffic accidents such as small frictions, as long as there are no personnel on both sides**, and the compensation amount is within 2,000 yuan, it will not be included in the factor of the increase and floating of the car insurance premium in the second year, that is, the premium will not rise in the next year.

2. Car damage insurance.

Vehicle damage insurance refers to the insured vehicle suffering from natural disasters or accidents within the scope of insurance liability, causing losses to the vehicle, and the insurer will compensate for the loss of the vehicle. However, natural disasters here are included. If our car owners take care of their cars, they should give their cars a car damage insurance.

3. Third party liability insurance.

This insurance is referred to as "three liability insurance". It means that our car owner or permitted qualified driver, in the process of using the car, has a traffic accident, accident resulting in injury to a third party or damage to property, by the insurance company to compensate. The limit of this insurance is chosen by our car owner, i.e. the insured himself.

Car owners can choose 50,000, 100,000, 150,000, 200,000, 300,000, 500,000 and 1 million. Our car owners can choose according to their actual situation.

4. Liability insurance for on-board personnel.

This insurance, also known as "seat insurance" or "seat insurance", is responsible for paying for injuries caused by the car to the person in the designated seat on the car. Our car owners can set a compensation limit for each seat as needed. This insurance is equivalent to accident insurance.

Generally speaking, our car owners choose these four insurances about the same.

1. Compulsory traffic insurance insurance liability: the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by road traffic accidents. 2. Third Party Liability Insurance Insurance Liability:

If an accident occurs in the course of using the insured vehicle by the insured or its permitted qualified driver, resulting in direct damage to the person or property of a third party, the insurance company shall compensate the insured in accordance with the provisions of the Measures for Handling Road Traffic Accidents and the insurance contract.

1. Comprehensive type: compulsory traffic insurance + commercial three liability insurance (300,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + glass separate breakage insurance + deductible special contract + body scratch loss insurance.

About 20% of car owners choose this type combination.

Suitable for new car owners and car owners who need comprehensive protection.

2. Conventional type: compulsory traffic insurance + commercial three liability insurance (200,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + excluding deductibles.

About 60% of car owners choose this type of combination.

It is suitable for vehicles parked in parking places with long-term fixed personnel guarding, and also suitable for car owners who have a certain driving experience and are willing to bear part of the risks themselves.

3. Economical: compulsory traffic insurance + commercial three liability insurance (100,000 yuan) + car damage insurance + deductible.

About 15% of car owners choose this type of combination.

It is suitable for owners who have been driving for a long time and who are skilled in driving and willing to take most of the risks themselves.

4. Risk-based: only purchase compulsory traffic insurance. Compulsory traffic insurance only pays the third party (injured party) in the accident, the maximum compensation for personnel is 110,000 yuan, hospitalization is 10,000 yuan, and property damage is 2,000 yuan, but the compensation for the death of people caused by car accidents in Chengdu should be more than 200,000 yuan, and the cost of hospitalization and treatment is far from enough, and the cost of vehicle loss of 2,000 yuan is far from enough.

In addition, you will be responsible for any damage or theft of your car. Therefore, this combination is extremely risky.

About 5% of car owners choose this type of combination. Insurance experts generally do not recommend this option.

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

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle damage insurance and third party liability insurance.

Compulsory traffic insurance, that is, compulsory liability insurance for motor vehicle traffic accidents, is an insurance that is compulsory to be purchased by the state. Motor vehicles must purchase compulsory traffic insurance before they can be on the road, annual inspection, and listing, and in the event of a third-party loss that needs to be claimed, the compulsory traffic insurance must be paid first and then other types of insurance.

Commercial insurance is a non-mandatory insurance that can be purchased by car owners according to the actual situation.

Vehicle insurance generally requires compulsory traffic insurance, vehicle loss insurance, third-party liability insurance, vehicle suspension loss insurance, and scratch insurance. Among them, compulsory traffic insurance is an insurance that must be purchased by national law.

1. Compulsory traffic insurance.

Compulsory traffic insurance (full name of compulsory motor vehicle traffic accident liability insurance) is the first compulsory insurance system implemented by national laws and regulations in China.

The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulate that compulsory traffic insurance is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit. The key bends the noise.

2. Vehicle loss insurance.

Vehicle damage insurance refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer will compensate according to the provisions of the insurance contract. This is the opposite of a third party, which is to take care of yourself, and if you take care of your car, you have to buy it.

3. Third party liability insurance.

Responsible for the liability for direct damage to the person** or property of another person (i.e. a third party) caused by an accident in the use of the insured vehicle.

Crashing or hitting someone is the most feared when driving, and it doesn't count the damage to your own car, but also to spend a lot of money to compensate others for the loss. Because the compensation for the medical expenses and property damage of the third party is relatively low, the purchase of the third party liability insurance can still be considered as a supplement after purchasing the compulsory traffic insurance.

4. Scratch insurance.

Scratch insurance is vehicle scratch insurance, which is one of the additional insurances, mainly as a supplement to car damage insurance, which can provide effective protection for body scratches caused by accidents.

Scratch insurance is aimed at scratches on the paint surface of the body, if the collision marks are obvious, there is a cut, and there is a big pit, this does not belong to the scratches, and belongs to the scope of car damage insurance. If you are more cherished car, you must buy it.

5. Vehicle suspension loss insurance.

In the event of an insured accident within the scope of vehicle loss insurance, the insurance company shall compensate for the following losses caused by the damage to the vehicle body and the suspension of the vehicle due to the damage caused by the insured vehicle.

Generally speaking, car insurance is compulsory, car damage insurance and third party liability insurance at BuyBuy:1. Vehicle damage insurance covers the loss of the vehicle itself due to natural disasters and accidents.

This is the most important type of remorse insurance in car insurance. From ordinary scraping accidents to previous car accidents, it is necessary to rely on it to reduce losses. It doesn't cost much to get a lot of protection; 2.

Third-party liability insurance. This type of insurance almost overlaps with the functions of compulsory insurance. It is used to pay for the medical or compensation expenses of the car owner after the car hits the person.

It is no longer necessary to buy insurance. However, from the perspective of the insurance industry, it is more difficult to deal with major personal injury accidents due to limited protection capacity; 3.If the car damage insurance is not covered by the deductible policy, the insurance company has a certain percentage of the deductible, which means that the car owner must pay for the accident himself.

If you do not have deductible insurance, you can ask the insurance company to pay it in full. This is the end of this article, I hope it will be helpful to you.

The items that need to be bought for car insurance are: 1. Compulsory traffic insurance: the insurance company shall compensate the victim for the personal and property losses caused by the road traffic accident of the insured motor vehicle within the liability limit; 2. Liability insurance for people on board:

Responsible for compensating for the personal injury of the person assigned to the seat of the car caused by the responsibility of the car; 3. Third-party liability insurance: refers to the accident caused by the insured or its permitted qualified driver in the process of using the vehicle, and the third party suffers direct damage to personal life and property, and the insurance company will compensate for it; 4. Vehicle loss insurance: refers to the loss of the insured vehicle itself caused by natural disasters or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract.

Car insurance that must be bought for new and used cars: compulsory traffic insurance.

Compulsory traffic insurance must be bought, which is clearly stipulated in the terms of the law. When renewing the insurance, the insurance company will adjust the amount of compulsory traffic insurance according to the owner's insurance record during the one-year insurance period, and the cost is about 1,000 yuan.

Commercial third-party liability insurance is a third-party liability insurance in the supplementary compulsory traffic insurance, and the policyholder often only buys the maximum insurance amount of 50,000 yuan. Insurance experts suggest that this project should try to invest 100,000 yuan in insurance.

Any car owner driving does not dare to guarantee that there will be no accidents, and even if they do not go out, they will inevitably encounter vehicle losses caused by others or spontaneous combustion. Therefore, this money cannot be saved.

"Excluding deductible" means that even if the car owner is not at fault, the insurance company still has an insurance amount ranging from 5 to 20 that can not be paid. However, if the owner of the car has purchased deductible liability insurance, the insurance company will pay the full amount.

For a new car that has just been bought for more than a year, experts suggest that theft insurance is worth buying, because in case of an accident, if there is theft insurance, the insurance company will make relevant compensation according to the price of the car after confirmation and verification to reduce losses.

The longer the service life of second-hand cars, the risk of spontaneous combustion increases, and spontaneous combustion insurance is indispensable.

7 In summary:

It is recommended that the best combination of new car insurance is: compulsory traffic insurance (must be insured) third-party liability insurance vehicle loss insurance owner personnel liability insurance + excluding deductible odds insurance, and then consider whether to add theft insurance and body scratch insurance according to the actual situation.

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