Is it necessary to have driver and passenger insurance on the car?

1. The amount of driver liability insurance is generally equal to or higher than the amount of passenger liability insurance. As a rule of thumb, if a passenger is insured for 10,000, the driver is usually insured for 30,000 or 50,000. 2. The insured amount for commuting driving is lower than the insured amount for long-distance driving.

Commuting to and from work, generally 10,000 yuan is enough. 3. There are many self-driving tours, and it is generally recommended to insure more than 30,000 yuan. 4. Refer to whether you have insured other alternative or compensatory insurance products.

At present, there are some insurance products on the market that can protect the driver, and at the same time protect the people on the car, such as Ping An's Owner Supreme Card and Dubang's Driver Comfort Card product. If there is a purchase, the corresponding premium investment can be reduced accordingly. Tips:

Driver insurance is to protect the driver and passengers in the car, and in the event of an accident, the insurance company needs to pay for the personal safety of the driver and passengers. The main difference between driving insurance and seat insurance is that driving insurance follows people.

Summary. Whether there is no need to buy driver insurance and passenger insurance, whether it is necessary to buy it, and the car owner can decide according to his own situation. Driver insurance and passenger insurance can be collectively referred to as vehicle occupant liability insurance, which is used to protect the vehicle from the risk of people in the vehicle due to traffic accidents.

And the premium of driver insurance and passenger insurance is generally not expensive, if the premium budget is sufficient to buy, if you feel that it is not necessary, you can also not configure it.

Whether it is necessary to buy driver insurance and passenger insurance, whether it is necessary to buy a car, and the owner can decide according to his own situation. Driver insurance and passenger insurance can be collectively referred to as vehicle occupant liability insurance, which is used to protect the vehicle from the risk of people in the vehicle due to traffic accidents. And the premium of driver insurance and passenger insurance is generally not expensive, if the premium budget is sufficient, you can buy, if you feel that it is not necessary, you can also not configure.

Driver liability insurance is not an independent type of insurance, but a part of the liability insurance of the car in the commercial car insurance, in addition, car owners can also argue for passengers to dismantle the seat insurance, most of the selected compensation limit is 1-50,000 yuan. Even if an accident occurs, the loss of the car owner can be reduced to a minimum.

The on-board personnel liability insurance is also a kind of main insurance of vehicle commercial insurance, which is responsible for compensating the personnel of the car caused by the accident of the insured vehicle, and the trapped according to the different seat conditions, including the driver's seat and the passenger's seat. The number of insured passenger seats follows the approved capacity of the insured vehicle.

Is there anything else to know.

It is necessary to buy car insurance and driving insurance. Driving insurance is accident insurance, and in the event of an accident, you can get compensation regardless of who is responsible. In addition, the driving insurance adopts the mode of "following people", and the insured can be covered whether he or she is driving or taking a car, and at the same time, he can also be covered by trains, ships, airplanes and other means of transportation.

Extended Information] Vehicle insurance, that is, motor vehicle insurance, referred to as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles. Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles.

At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.

A type of insurance widely carried out in China is a kind of insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject matter of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.

The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle occupant liability insurance, and total vehicle theft insurance. Motor vehicle damage insurance is an insurance that covers the insured vehicle suffering from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer will compensate in accordance with the provisions of the insurance contract. Motor vehicle third-party liability insurance is also responsible for compensation by the insurance company for the amount that should be paid by the insured in accordance with the law if the insured or its permitted qualified driver has an accident during the use of the insured vehicle, resulting in personal damage or property damage to the third party.

Whole vehicle theft insurance refers to.

1) The insured motor vehicle (including the insured trailer) that has been stolen, robbed, or snatched in the whole vehicle shall be filed and investigated by the public security criminal investigation department at or above the county level, and the whereabouts have not been ascertained for 60 days.

2) Reasonable expenses for repairing the entire insured motor vehicle that is damaged or the parts and accessories on the vehicle are lost and need to be repaired after the entire insured motor vehicle is stolen, robbed or snatched.

3) In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured motor vehicle shall be borne by the insurer, and shall not exceed the amount of the insured amount. Losses incurred in three cases can be compensated. Liability insurance for persons on board the vehicle refers to the loss of expenses caused by the driver or passengers in your car**, as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss, which is not intentional by the perpetrator (not intentionally by the actor, but unforeseeable and irresistible by the actor, resulting in the loss of personnel ** or property), as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss, which shall be compensated by the insurance company.

Additional insurance includes glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, engine water ingress insurance, no-fault liability insurance, scooter expense insurance, body scratch loss insurance, excluding the special clause of the odds waiver, vehicle cargo liability insurance and other insurances.

Summary. Dear, I'll do this to you<>

There is no need to buy driver insurance and passenger insurance, driving insurance generally includes driver accident insurance liability and passenger accident insurance liability. Driver and passenger insurance also includes driver's accident insurance liability and passenger accident insurance liability. That is to say, if you buy these two types of insurance, if there is an insured accident, if the driver and passenger are injured, both parties will be compensated by the insurance.

The two types of insurance are actually the same type of insurance, but different people use different names and can be substituted for each other. <>

Is it necessary to buy driver insurance and passenger insurance after buying driving insurance?

Dear, I'll do this to you<>

There is no need to buy driver insurance and passenger insurance, driving insurance generally includes driver accident insurance liability and passenger accident insurance liability. The insurance also includes the driver's accident insurance liability and the passenger's accident insurance liability. That is to say, if you buy these two types of insurance, if there is an insured accident, if the driver and passenger are injured, both parties will be compensated by the insurance.

The two types of insurance are actually the same type of insurance, but different people use different names and can be substituted for each other. <>

It is necessary to buy car insurance and driving insurance. Driving insurance is a kind of intentional source of foreign object splitting insurance, when there is an accident, no matter who is responsible, you can get compensation. In addition, the driving insurance adopts the blind mode of "following people", and the insured can get protection whether he is driving or taking a car, and at the same time he can also get protection by train, ship, plane and other means <>of transportation