Which types of insurance are better to buy for car insurance, and which types of insurance are bette

Hello! To buy insurance for a car, you should generally consider compulsory traffic insurance, three liability insurance, car damage insurance, car liability insurance, and deductible insurance. The specific description is as follows:

1. Compulsory traffic insurance is compulsory by the state, when the vehicle has an accident, the compensation object is the party who was hit, and the amount of compensation is limited, and the maximum limit is 10,000 yuan.

2. Third-party liability insurance. As the name suggests, it is to compensate the third party, not only the personnel, but also other vehicle damages, and even fixed property such as street lamps and houses are paid by the third party insurance. Therefore, it is recommended to buy 500,000 yuan for the sum insured amount, and 1 million yuan if possible, so that you will not go bankrupt when you hit someone or a luxury car.

3. Car damage insurance is used to repair your own car, if you accidentally scratch or hit your own car, you can use car damage insurance to repair your car. If you hit another car and are judged to be fully responsible, then in addition to using car damage insurance to repair your car, you must also use the three insurances mentioned above to repair the other party's car.

4. If you often ride your family in the car, and you and your family have taken out accident insurance and accident medical insurance, then as a private car, there is no need to insure the liability insurance of the personnel on the car, because the coverage provided by the accident injury and accident medical insurance basically covers the protection that the liability insurance of the personnel on the car can provide. However, if you often have different people in your car, it is best to take out on-board personnel liability insurance, and the maximum compensation limit of on-board personnel liability insurance is divided into several compensation levels: 10,000, 20,000, 50,000, and 100,000.

5. As mentioned earlier, insurance generally has free odds, and the free odds of different insurance companies are between 15% and 20%. In other words, if there is an accident, the insurance company will pay most of the amount, and it will still have to bear a small part of the cost. If you buy without deductible, the insurance company will pay the entire cost.

Hello, compulsory traffic insurance is a must-buy. Commercial insurance to buy, that is, three insurance, excluding deductibles, car damage insurance, and the people on the car. Of course, there are other additional risks. For example, glass insurance, theft insurance, spontaneous combustion insurance, etc. It is advisable to be fully insured.

It is best to buy full insurance so that your car has no worries in all aspects.

In fact, they are all useful, and you can only choose according to your own payment situation.

GeneralCar insuranceIt is sufficient to purchase the following types of insurance:

Compulsory traffic insurance

If a driver wants to go on the road legally, he or she must purchase compulsory traffic insurance. The cost of the first year of the new compulsory liability insurance is still 950Metaand 1100 yuan, the subsequent insurance cost needs to be adjusted according to the situation of the vehicle traffic accident.

2. Third party liability insurance.

No matter how the amount of compulsory insurance is adjusted, the amount of compensation is still relatively small, and sometimes the car owner needs to pay for it himself. For example, in the event of a serious injury in a traffic accident and the medical costs are very high, this is where third-party liability insurance comes into play, and the new third-party liability insurance has a higher insurance limit.

Car damage insurance

After the reform of car damage insurance, compensation can be paid in almost all cases. After the car damage reform, the insurance combines some of the original additional insurance, so it is strongly recommended that drivers purchase car damage insurance.

The amount insured and premium for car damage insurance depends on the new vehicle** and the age of the vehicle, and rates may vary from insurer to insurer. When a new car is insured, the amount of insurance is the highest, and it may even be the same as the price of a naked car, but at the same time, the insurance premium is relatively high.

4. On-board personnel liability insurance.

When a traffic accident occurs, the occupants of the vehicle are injured, and the on-board occupant liability insurance can help cover the medical expenses. The insurance amount of on-board personnel liability insurance is 10,000 yuan, and the cost of purchasing insurance is about 50-60 yuan.

The above four types of insurance (except for the three types of compulsory traffic insurance) are all necessary or basic types of insurance for new car insurance. For cars under 100,000 yuan, the insurance premium is about 4,000-5,000 yuan, and for cars under 200,000 yuan, the insurance premium is about 6,000 yuan.

In fact, regarding vehicle insurance, you only need to buy 4 types of insurance, which are 1 car damage insurance, 2 third-party liability insurance, 3 special insurance without deductible, and 4 compulsory traffic insurance. These 4 types of insurance are the most basic types of insurance for vehicles, which can provide comprehensive protection for vehicles. So what are the advantages of his dry drafts?

Imaka Takaten is here to explain to you.

1. Car damage insurance.

Car damage insurance refers to the accident or damage to the vehicle caused by the accident caused by the failure of the insured while driving the vehicle, and the insurance company will compensate within a reasonable range, which is a kind of commercial insurance. It is also the most basic kind of car insurance, which mainly compensates for the loss of the vehicle and the loss to a third party, even if the vehicle loss is caused by a natural disaster, the insurance company will also compensate, such as the impact of external objects or storms, tornadoes, floods and other disasters. The insurance company will compensate for the wear and tear of the vehicle.

2. Third-party liability insurance.

Third party liability insurance is insurance that occurs while the insured person or permitted driver is driving the insured vehicle. If the accident causes the driver or a third party to be injured or the property is damaged, the insurance company will bear the corresponding economic responsibility in accordance with the law, and it is important that if there is a lawsuit with the insurance company, then the litigation costs will also be borne by the insurance company, so this insurance is very important, it can fully protect our personal and property.

Three: compulsory traffic insurance.

Compulsory traffic insurance is a kind of compulsory insurance, which is caused by the insurance company to the accident of the insured vehicle that causes the personal danger or direct loss of property of the driver, then it will give compensation within a certain range, and it is also the first insurance in China to be implemented by the national filial piety regulations, and the insurance fee is also charged by a unified standard.

The above is all I know about car insurance, I hope to provide you with some help when buying car insurance, no longer confused about what insurance to buy, and I wish you all smooth sailing during the drive, thank you.

When buying, it is best to buy a car and ship and clear the insurance or commercial insurance, these two kinds of insurance is the most suitable, the main advantage is that the amount of compensation is relatively high, but also protect a lot of areas, so the accident of Mu Pengling, the owner of the car almost does not have to lose money.

We should buy strong insurance, commercial insurance, and car damage insurance, because after buying these insurances, after we have a traffic accident, the insurance company will settle the claim, and the life insurance company will also pay the claim if it encounters some natural disasters and rental accidents, which can reduce the loss to the greatest extent.

You can buy car damage insurance, the first cherry blossom such as three liability insurance, strong oak insurance, commercial insurance, and also spine spring accident insurance, etc., these insurances can ensure the interests of the car owner himself, and try to bear most of the responsibility.

The first town key must be purchased with compulsory insurance, because this is the insurance that is mandatory to be purchased by China's law, and the car cannot be licensed without compulsory insurance. The second is commercial insurance, in commercial insurance, car damage insurance and third-party liability insurance will generally buy a fight, car damage insurance that when the insured vehicle is damaged, the insurance company and Luxiang will give compensation within a reasonable range, third-party liability insurance refers to the accident caused by the driver and passengers other than the person ** or property loss, the insurance company will give compensation.

Hello! First of all, the compulsory traffic insurance of the vehicle is compulsory insurance, and it must be purchased as long as the motor vehicle is on the road. Secondly, Brother Ran is commercial insurance, which is determined according to one's driving level and personal financial ability.

If you have three responsibilities in business, it is recommended to buy it regardless of whether you have money or not, and you must buy it for at least 2 million; Because the current number of cars is very large, there are many cars on the road, and if you drive well on the road, sometimes it is inevitable that you will encounter others accidentally bumping into it, and then it is possible that your car needs to occupy a certain responsibility.

At present, as long as the commercial insurance buys car damage insurance, it includes theft insurance, deductible insurance, wading insurance, spontaneous combustion insurance, glass insurance, unable to find a third party and so on.

The most suitable thing to buy car insurance is 2 million for commercial three responsibilities, and then buy a car damage insurance, car personnel liability insurance, compulsory traffic insurance, and these basic insurance types are fully configured, I hope the above will help you, thank you!

Compulsory Insurance! Third! Car damage! A must have!!

You should directly purchase compulsory traffic insurance, car damage insurance, third-party liability insurance, PICC insurance, deductible insurance, etc. These insurances are very necessary to purchase, and the insurance coverage is relatively wide.

The cost of compulsory traffic insurance for a new family car with less than 6 seats is 950 yuan, and the cost of a new family car with more than 6 seats is 1,100 yuan.

If you need a more in-depth answer, you can click the link below to receive exclusive service commercial insurance, which can be selected according to your actual situation.

General car damage insurance, third-party insurance and deductible insurance are mandatory to buy, and you can choose other types of insurance according to your actual situation.

General car insurance compulsory traffic insurance + commercial insurance (commercial insurance can choose car damage + three + driving insurance) We have a one-to-one ** specialist to serve you.

If you should buy third-party liability insurance, the amount of compensation paid by this insurance is relatively large, and it will be paid if you are responsible.

Compulsory traffic insurance, third-party liability insurance, car damage insurance, deductible insurance, etc., these types of insurance are relatively good, and they are all worth buying.

You can buy compulsory traffic insurance, commercial three liability insurance, car personnel liability insurance, third party liability insurance, car damage insurance, these are very good choices, for your future is very secure.

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

Compulsory traffic insuranceThese are the three major coercive risks of the state. It only protects others, regardless of yourself.

Car damage insuranceThis is for you to repair your own car.

Three insurances. This one is recommended to buy 2 million.

After the car insurance premium was reformed, the price reduction of the three insurances was the largest. Among the three, 2 million is generally around 300 yuan to 600 yuan, and now the traffic ** compensation is generally more than 1 million. For example, the highest figure in Tianjin is 1.4 million.

The additional insurance of the outer three medical insurance is 300,000 yuan. If you can pay for medicine out of your own pocket, the premium is about 20 to 30 yuan.

It's well worth it, but a lot of people don't know. Accidental medical expenses are high. If you add steel nails and steel plates, it will cost tens of millions, and many of them belong to self-funded equipment.

5.Finally, buy an accident insurance.

6.Driving accident insurance is also called driver insurance: please be careful not to attach it directly to the car insurance, which will seriously affect the cost performance.

Nowadays, many car insurance companies have separate driver insurance, which can be purchased together with car insurance. For example, Ping An car insurance and driving accident insurance for 260 yuan can protect each person with 300,000 yuan of accidents and 300,000 yuan of medical treatment. It also comes with a reimbursement of 200 yuan for taxi fares when repairing the car.

Good value for money.

1. Compulsory traffic insurance is compulsory insurance purchased by the state, which is a compulsory liability insurance for the personal and property losses of the victim caused by a road traffic accident of the insured motor vehicle within the liability limit, but does not include the personnel of the vehicle and the insured. If you don't buy compulsory traffic insurance, you will be caught by the traffic police if you don't buy compulsory traffic insurance, 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 means that the insured or its permitted driver has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range. It should be noted that the scope of this insurance does not cover theft, robbery, glass breakage, wheel damage, etc., so not all vehicle losses can be covered by insurance companies after an accident.

3. The third party liability insurance is a supplement to the compulsory traffic insurance, which mainly protects the personal and property losses of the third party in traffic accidents, and the third party refers to things other than the insured vehicle, including other motor vehicles, non-motor vehicles, people, animals, road traffic facilities, etc.

4. Deductible insurance is not included. In the event of a traffic accident, unless the owner is not responsible, most car insurance types have a certain deductible odds, the greater the responsibility, the higher the deductible odds, and the car owner needs to pay this part of the cost out of his own pocket. If you buy deductible insurance, you can pass on this part of the cost to the insurance company, and the insurance company will pay the full amount, so the deductible insurance is a very practical type of insurance, and it is recommended to buy it.