What you must buy and what you can t buy new car insurance

Make a purchase according to your driving habits and economy. Of course, if you buy more comprehensive insurance, driving is more secure.

New car insurance must be bought:

1. Compulsory traffic insurance. If you don't buy it, you can't get a license plate, you have to buy it every year, or you won't have your car inspected.

2. Third-party liability insurance. Be sure to buy it. Even if the owner of the car drives carefully, according to the current traffic law, if the car is lent to someone else to drive, and there is an accident and hits someone, it is the responsibility of the car.

And just because you drive carefully doesn't mean that others won't hit you. (The recommended amount is more than 200,000).

3. Vehicle loss insurance. It is recommended to buy, each company may have different regulations, Ping An Insurance does not buy this, and many additional insurances cannot be purchased.

Can not buy: 1. Theft insurance: If you come and go in a safe place, you can not buy it. If you are going out or traveling a lot, it is recommended to buy it.

2. Scratch insurance. In some 4S shops and repair shops, body scratches can be paid directly by car damage insurance.

3. Spontaneous combustion insurance. Now the general manufacturer or 4S shop in the first 2 years of the new car is the first 2 years of the spontaneous combustion insurance, do not need to consider, you can buy after 2 years, this insurance is cheap.

4. Separate loss insurance for glass. You don't have to buy it, but you can't go to the car damage insurance to pay for glass damage, so you should ask clearly when you buy.

5. Liability insurance for on-board personnel. The limit is very low, instead of buying, it is better to get a car owner credit card.

Hello, to buy car insurance for a new car, it is recommended to have compulsory traffic insurance, third-party liability insurance, and commercial 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.

1.Compulsory grinding and banquet insurance, required by the state. If you don't buy it, the traffic police will detain the fine.

2.Motor vehicle damage insurance, also known as vehicle damage insurance, mainly compensates the insured vehicle for losses caused by natural disasters and accidents. This is the most versatile and useful insurance, and it covers a wide range of minor and serious injuries.

Damage to the vehicle caused by the accident can be repaired by the insurance company. Third-party liability insurance, which mainly targets the victims of a third party, refers to an accident in which the insured vehicle causes property damage or even personal injury to a third party.

1. The only insurance required for a new car is the compulsory insurance of motor vehicle traffic accident liability, which is a compulsory insurance system implemented by national laws, and the vehicle must be purchased when driving on the road.

2. According to the provisions of Article 39 of the Regulations on Traffic Xun Zhaoyu Compulsory Insurance Insurance: If the owner or manager of a motor vehicle fails to take out compulsory insurance for motor vehicle traffic accident liability in accordance with the regulations, the traffic management department of the public security organ shall detain the motor vehicle, notify the owner and manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium payable in accordance with the minimum liability limit for insurance in accordance with the regulations.

Buying insurance <> a new car is an important thing that every new car buyer should consider because it can help you protect your property in the event of an accident. This article will cover the types of insurance that new car buyers should consider and how to choose the right insurance product for you.

1. The type of insurance that new car buyers should consider.

There are three main types of insurance that new car buyers should consider: compulsory traffic insurance, commercial insurance, and vehicle loss insurance.

1.Compulsory traffic insurance: Compulsory traffic insurance refers to compulsory insurance for automobile traffic accident liability, which is an insurance that must be purchased by car owners. Its main function is to bear the personal injury and property damage caused by the car in the event of a traffic accident, as well as the legal liability arising therefrom.

2.Commercial insurance: Commercial insurance refers to automobile liability insurance, third-party liability insurance, vehicle theft insurance, glass breakage insurance, spontaneous combustion loss insurance, engine wading loss insurance, body scratch loss insurance, etc.

Its main function is to bear the personal injury and financial loss caused by the accident of the car, as well as the resulting legal liability.

3.Vehicle Damage Insurance: Vehicle damage insurance means that when a car is involved in an accident, the insurance company bears the responsibility for the loss of the car. Its main function is to bear the damage caused by the car when the car is involved in an accident, as well as the resulting legal liability.

2. How to choose the right insurance product for you.

1.Know your needs: Before choosing an insurance product, you first need to understand your needs so that you can choose the one that's right for you.

You can determine your needs based on your actual situation, such as car usage, car value, car use, etc.

2.Compare insurance products: When choosing an insurance product, you can compare the insurance products offered by different insurance companies so that you can choose the one that is right for you. You can compare insurance costs, coverage periods, coverage, and more so you can choose the right insurance product for you.

3.Know the terms of the insurance: When choosing an insurance product, you also need to understand the terms of the insurance so that you can determine the scope of liability that the insurance company will cover.

You can understand the deductible, compensation ratio, and compensation limit in the insurance terms according to your actual situation, so as to choose the insurance product that is suitable for you.

3. Matters that new car buyers should pay attention to.

1.Verify insurance information: When purchasing an insurance product, new car buyers should verify the insurance information to ensure that the insurance product purchased meets their needs.

2.Keep your policy: New car buyers should keep their policy so they can file a claim in case of an accident.

3.Regular inspection: New car buyers should inspect their cars regularly so that they can detect the breakdowns of their cars in time and prevent accidents.

Fourth, summary. When purchasing insurance, new car buyers should consider the types of insurance such as compulsory traffic insurance, commercial insurance and vehicle loss insurance, and choose the insurance product that is suitable for you according to their actual situation. In addition, new car buyers should also verify insurance information, keep insurance policies, and regularly inspect the car so that they can detect car breakdowns in time and prevent accidents.

Compulsory liability insurance is a mandatory liability insurance that must be purchased when buying a new car.

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.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".