What do I need to buy for car insurance, and what should I buy for car insurance?

When applying for car insurance, you need a driving license, if it is a unit to insure, you need a copy of the organization's ** certificate power of attorney, if it is not the same as the insurance company in the previous year, you need to drive the insured vehicle to go, if it is a unit to insure, you must also bring the official seal of the unit.

If you are insured for an old car, you need an ID card and a driving license (some regions require a previous year's policy).

When choosing a car insurance company, it is recommended that you try to choose a relatively large insurance company like Ping An and PICC to insure. Large insurance companies have many outlets all over the country, and it is more convenient to assess losses and settle claims and apply for insurance business. If the market value of your car is relatively high, it is recommended to purchase all-risk insurance.

In the event of an accident, repairs can be expensive, and purchasing an all-inclusive insurance policy can minimize your losses.

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

After buying a car, it is enough to have 3 types of car insurance, and nothing else is practical.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

Here are the recommended must-buy car insurance types:

1.Compulsory traffic insurance: If you don't buy compulsory traffic insurance, you won't be on the road, and if you don't buy compulsory traffic insurance, you will be caught by the traffic police, and you will be fined double the premium, and you must buy it immediately before you can get back on the road. In addition, new cars do not buy compulsory traffic insurance is not given to the household, and the annual inspection cannot be passed.

2.Vehicle damage insurance: Vehicle damage insurance refers to a kind of insurance that the insured or its permitted driver will compensate the insured vehicle within a reasonable range if an insured accident occurs while using the insured vehicle.

Car damage insurance is an insurance that can reimburse a certain percentage of the cost of repairing the vehicle. In addition, if there is a situation that requires distress rescue (such as driving into a lake, etc.), car damage insurance can also cover the cost of rescue for the owner.

3.Third-party liability insurance: The third-party insurance mainly protects the personal and property losses of the third party in traffic accidents, and is a supplement to the compulsory traffic insurance. In the event of a major traffic accident, the protection of compulsory traffic insurance is often insufficient, and the three insurances are needed to supplement it.

4.Excluding deductible insurance: Mainly bear the part of the "non-payable" part of the main insurance or additional insurance.

If you buy insurance without deductible, the car owner does not have to pay out of pocket to bear this part of the cost, and the insurance company will pay for it. However, when purchasing a deductible-free insurance policy, pay attention to its scope and exclusions.

The state stipulates that the purchase of a car must purchase compulsory traffic insurance, and other insurances can be determined at their own discretion. The optional car insurance includes: car damage insurance, third party liability insurance, vehicle occupant liability insurance, theft, glass, basic insurance without deductible, scratch insurance, engine loss insurance, and spontaneous combustion insurance.

Reference: Compulsory traffic insurance + car damage insurance + third-party liability insurance (150,000) + additional insurance (basic insurance does not include deductible).

How to buy car insurance is cost-effective. It is enough to buy these kinds of insurance. Don't give money to the insurance company anymore.

Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance, of which commercial insurance includes two parts: vehicle main insurance and additional insurance. Compulsory traffic insurance is mandatory by the state, and commercial automobile insurance is purchased by the car owner.

Compulsory traffic insurance belongs to China's compulsory insurance, which is compensated to the party hit when an accident occurs, but the amount of compensation is very limited. Generally speaking, the limit is 10,000 yuan, so it is far from enough for those large accidents.

Third-party commercial liability insurance is a supplementary type of compulsory insurance, and it is also paid to others when an accident occurs, and the insurance company can compensate for the part that exceeds the limit of compulsory insurance, so the car owner can purchase the compulsory insurance at the same time, which also solves the worries of major accidents.

Compulsory traffic insurance and three-party insurance are both used to compensate each other, but car damage insurance is used to protect oneself. The above three types of insurance are guaranteed to be bought, and the rest of the insurance can be purchased independently according to the actual situation.

There are two types of car insurance, strong insurance and commercial insurance. Commercial insurance is divided into 4 main types of insurance and 11 types of other insurance. There are more than a dozen types of insurance.

Not only are there many types of insurance, but driving habits, regions, models, etc., will affect the purchase of car insurance. As a result, many friends feel a bit of a headache when it comes to buying car insurance. If they don't buy, they won't do it.

First of all, it's a combination of novice insurance, and it may not be very experienced. Master's degree of Jilin University** "Research on Traffic Safety Characteristics and Accident Prevention Countermeasures for Drivers with Low Driving Age". On the other hand, it analyzed 1,821 traffic accidents and found that drivers who drove for less than one year accounted for the total number of accidents, and drivers who drove for five years accounted for only all accidents.

It can be seen that the more novices, the more likely they are to get into accidents, and the more comprehensive the protection of car insurance, so I recommend a car insurance plan as:Pay for Fitness Insurance, Car Damage Insurance, Triple Insurance, Vehicle Personal Liability Insurance, excluding deductible. In addition, there is the risk of glass breakage, scratches and intolerance to find special third-party insurance.

It's actually a bit pricey. This solution not only compensates for the loss of others, but also makes mistakes and protects oneself from losses. Covered by the insurance company.

In addition, in exceptional cases where car damage insurance cannot be fully compensated, for example, glass is broken by stones, paint is scratched, car is hit by someone, and the perpetrator cannot be found. Car insurance can provide some protection. It's like preparing all the closed clothes for spring, summer, fall, and winter, and putting on clothes if necessary.

This is relatively complete. Older cars may need to be insured against spontaneous combustion. In "Causes and Prevention of Spontaneous Combustion Accidents in Automobiles", the use time increases, and the electrical circuits and fuel lines on the engine may be damaged.

This time, it is easy to cause a disaster and cause spontaneous combustion.

1. Car damage insurance: used to repair the loss of your own car caused by your own reasons.

2. Three-party insurance: used to compensate for the loss of the other party.

3. On-board personnel insurance: compensate for the loss of your own on-board personnel.

4. Theft insurance: It only refers to the theft of the whole car.

5. Glass insurance: there are no collision marks, and the glass is broken alone (such as being broken).

6. Scratch insurance: obvious man-made scratches on the car body (no need to be on-site).

7. Excluding deductible insurance: car damage, three, personnel, robbery, additional insurance of four types of insurance, do not buy this insurance, then these four types of insurance have 15% and 20% (robbery) free of charge.

8. Compulsory traffic insurance: compulsory three-party insurance, must be bought.

The lawyer answered that the car insurance compulsory traffic insurance must be bought, and the car without the compulsory traffic insurance cannot be transferred and disturbed on the road. As for other commercial insurance, whether you buy it or not will not affect the car on the road, and it is not necessary to buy it, and you can choose to buy it according to your own situation. According to Article 17 of the Road Traffic Safety Law, the state implements a compulsory third-party liability insurance system for motor vehicles and establishes social assistance for road traffic accidents**.

The specific measures are stipulated by ***. Article 98 If the owner or manager of a motor vehicle fails to take out compulsory liability insurance for motor vehicles in accordance with the provisions of the state, the traffic management department of the public security organ shall detain the vehicle until it has been insured in accordance with the regulations, and shall impose a fine of twice the amount of the insurance premium that should be paid in accordance with the minimum liability limit for insurance purchase. All fines paid in accordance with the preceding paragraph shall be included in the social assistance for road traffic accidents**.

The specific measures are stipulated by ***.

Here are five basic types of vehicle insurance that need to be purchased:

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which 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.

Vehicle damage insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability. As one of the most private car insurance plans with the highest premiums, many car owners are unclear about how to calculate vehicle damage insurance.

The meaning of third-party commercial liability insurance refers to the accident that occurs in the process of using the insured vehicle by the insured or its permitted legal driver, resulting in direct damage to the third party's personal ** or property, and the insured shall bear economic responsibility and the insurance company shall be responsible for compensation according to law. Since the introduction of compulsory liability insurance, third-party liability insurance has become an optional insurance and can be used as a supplement to compulsory liability insurance.

The insurance liability of the whole vehicle theft insurance is the vehicle loss caused by the theft, robbery and robbery of the whole vehicle, as well as the reasonable expenses that need to be repaired if the vehicle parts and accessories on the vehicle are damaged during the theft, robbery and robbery.

The liability insurance of the personnel on the car, that is, the seat insurance on the car, is the passenger part of the liability insurance for the personnel on the car, which refers to the insured who is cautiously allowed by the qualified driver to have an insured accident in the process of using the insured vehicle, resulting in the personal life of the passengers in the car, and the insurance company will compensate in accordance with the insurance contract.

Legal basis: According to the "Motor Vehicle Insurance Regulations", new cars must purchase compulsory insurance: compulsory traffic insurance is compulsory insurance in China, and all vehicles must purchase a type of insurance.

Millions of car purchase subsidy.

The first is compulsory insurance, commonly known as compulsory insurance, which is required by national laws and regulations. Generally, the amount of compulsory traffic insurance with displacement less than is 950 yuan. This type of insurance is responsible for paying the other party's vehicle or property after each accident, and the compensation limit is 2,000 yuan.

Car damage insurance is usually necessary, such as daily scratches and other issues, and the cost of repairs can be reimbursed by the insurance company. Especially after an accident, if the perpetrator cannot be found, the insurance company will pay 70% of the cost. However, it is worth noting that if you want to pay for car damage insurance, it will pay according to the age and depreciation of the car.

Usually, the depreciation rate is kept at an annual rate. Buying this type of insurance is definitely a guarantee to reduce financial losses.

The third type of liability insurance is highly recommended as it is the most direct protection for people with poor driving skills. Typically, it's not very expensive every year. If an accident does occur, the insurance company will compensate according to the corresponding amount, regardless of whether the third party suffers loss of personnel** or other property.

The last type of insurance you want to buy is also mandatory, and that is to cover special insurance that does not include no compensation. This type of insurance is an add-on to the three business risks you purchase, as all business types have an absolute deductible or absolute deductible. To put it bluntly, it's the commercial insurance you buy.

After you are out of danger, some money will be deducted and cannot be compensated to you. However, after you buy this rider, the insurance company will normally be able to compensate you in full.

Millions of car purchase subsidies.