What kind of car insurance can I do without it? Don t want to spend money in vain

If you don't take risks, you think it's a waste of money, but who dares to guarantee that you won't be in danger?

Now the types of insurance have car damage to repair their own cars.

The three pay someone else's.

Theft is a kind of insurance for losing the car, and the glass insurance is that the car is not broken, but the glass is broken, such as the glass of a stone breaking.

Generally, the car damage on the car does not count the deductible, theft and glass can be done.

Insurance covers the risk of the unexpected. The three main responsibilities, car damage, theft + regardless of deductible, can protect most of the risks. Although the accident rate of others is not high, if they are in danger, they can only consider themselves unlucky.

Like glass broken alone, the premium is not expensive, but it doesn't cost much to replace the front transmission of the car's glass. In the case of personnel, you can buy only one driver. Scratches up to your luck.

These are all small problems, and they can be tolerated.

Landlord, if you dare to ensure that there will be absolutely no problems, then you can not cover anything except compulsory insurance, if you dare not ensure, then it is recommended to cover a full insurance within the range that you can accept. You know, accidents are unknowable.

This is treated specifically.

Broken car is only recommended to buy traffic, three, car personnel new car newcomers on the best full insurance, veterans than broken cars to buy a full car theft is almost the same (within 15w) car damage insurance depends on personal circumstances If it is an ox cart, no one seems to care about this money.

Vehicle insurance: These can not be bought, for example, as follows: 1. Scratch insurance: Scratch insurance refers to the fact that the paint on the surface of the body of the insured vehicle without obvious collision marks is scratched separately during the insurance period, and the insurance company is responsible for compensation according to the actual loss.

2. Spontaneous combustion insurance: The purchase of this insurance is a duplicate insurance, because if the new car within the warranty period spontaneously combusts, the manufacturer should be solely responsible. 3. Seat insurance:

Seat insurance refers to the accident of the insured vehicle, resulting in the driver or passenger on the car** insurance company will compensate ** expenses or accident money. 4. Wading insurance: This type of insurance is mainly to protect the engine damage caused by the vehicle wading on the waterlogged road or being flooded.

However, if the owner of the car forcibly starts the engine after being flooded, causing damage, then the insurance company will not compensate.

Summary. The second is to exclude deductible special insurance, this is a kind of subsidiary insurance, if there is a traffic accident, the insurance company will compensate the owner in full, but sometimes there is a certain deductible odds, and part of the money still needs to be paid by the car owner, but if you buy a deductible special insurance, then they will compensate you in full. The third is commercial third-party liability insurance, such insurance is actually for other people, but it is also a kind of protection for us, because once there is a traffic accident for which we are responsible, then this insurance will play a role, I advise you to buy this insurance a little higher, because cars are very expensive, and it is inevitable that there are some luxury cars, if you accidentally collide, you may go bankrupt.

Car insurance only needs to buy these three.

Yes! Car insurance as long as you buy these three can be the first is compulsory insurance, this is every car owner must buy, so it is called strong insurance, as the name suggests, compulsory insurance, if you do not pay your car will be detained, but also face double fines, after buying, remember to stick the car sticker on the front glass, otherwise it will be fined and deducted points if it is found.

The second is to exclude deductible special insurance, this is a kind of subsidiary insurance, if there is a traffic accident, the insurance company will compensate the owner in full, but sometimes there is a certain deductible odds, and part of the money still needs to be paid by the car owner, but if you buy a deductible special insurance, then they will compensate you in full. The third is commercial third-party liability insurance, such insurance is actually for other people, but it is also a kind of protection for us, because once there is a traffic accident for which we are responsible, then this insurance will play a role, I advise you to buy this insurance a little higher, because cars are very expensive, and it is inevitable that there are some luxury cars, if you accidentally collide, you may go bankrupt.

There are four major types of insurance, including compulsory traffic insurance, car damage insurance, and third-party liability insurance.

1.Compulsory traffic insurance.

If you want to get a new car on the road, you must buy compulsory traffic insurance!

As a compulsory type of insurance of the state, compulsory traffic insurance is the most basic guarantee, which is a compulsory liability insurance for the personal and property losses of the victim (the other party) caused by the insured motor vehicle in a road traffic accident, and is compensated within the liability limit, which protects the rights and interests of the victim and pays the compensation to the victim.

2.Car damage insurance.

Whether it is a new car or an old car, car damage insurance is to be bought. Unless you feel that scratching, bumping, bumping and bumping are minor problems, or you are ready to change cars, then you can not buy it.

Car damage insurance refers to a kind of automobile commercial insurance that the insured or its permitted driver is responsible for paying for the loss of our own car due to natural disasters (excluding **) or accidents within the scope of insurance liability when driving the insured vehicle.

3.Third Party Liability Insurance.

Three-liability insurance, the full name of remorse: compulsory insurance for the third liability of motor vehicles. During the insurance period, if the insured or its permitted driver has an accident in the course of using the insured motor vehicle, resulting in direct damage to the person or property of the third party, the third party shall be liable for damages in accordance with the law.

The scope of this third party is basically the same as the "victim" of the compulsory traffic insurance mentioned above, referring to the "other party". At the same time, it should be noted that there are free odds for the three liability insurance.

4.Deductible not included.

First of all, as an additional insurance, deductible insurance needs to be insured with the "main insurance" as the precondition for insurance, and cannot be insured separately or in line. So what is deductible-free insurance? According to the official statement, it is:

Upon special agreement, after an accident occurs, the insurance company will be responsible for compensating the part of the deductible amount that should be borne by the insured in accordance with the deductible calculated according to the terms of the main insurance to be insured.

How not to spend money in vain.

There are three things to note:

1.Types of car insurance.

The above "must-buy" and "optionally purchased" car insurance introduced to you, you should keep your eyes open and see which ones are good to buy according to your own needs, as long as the protection is in place, not more.

2.Insurance company.

When looking at insurance companies, in addition to looking at the scale (the number of outlets is good), we should also look at the ability to claim claims and the quality of service, so that the insurance claim will be more convenient and faster.

3.Insurance Terms.

When buying car insurance, you should pay attention to the protection responsibilities and deductible clauses of the insurance, so as to prevent the insurance from being unable to get a claim due to some problems, which will be a big loss.

When the car is on the road, it is best to take out the insurance policy. According to national regulations, for a motor vehicle, the most basic thing is to pay a strong insurance policy, but the protection is minimal. If something really goes wrong, this insurance is not covered, and commercial insurance needs to be added.

However, there are many items in commercial insurance, and in fact, we don't need to buy all the risks. We only need to buy a few major items, and some minor additional risks can be omitted to save the cost of the car. Let's see which items you can't buy.

Spontaneous combustion insurance For new cars, the purchase of this insurance is a duplicate insurance, because if the new car spontaneously combusts during the warranty period, the manufacturer will be fully responsible! But if you modify the engine yourself and cause spontaneous combustion, even if you buy it, it's useless! So according to the new car, this insurance cannot be bought.

Seat InsuranceSeat insurance means that if an accident occurs in an insured vehicle and causes the driver or passenger on the vehicle**, the insurance company will compensate for the ** fee or accident compensation. That is, Suiwan, we often call on-board personnel liability insurance, which is specially designed to protect passengers (including drivers) on buses. If you don't often run long distances, then this is really unnecessary, the default is 10,000 yuan per seat, and the insurance coverage is too small.

Wading insurance is mainly used to ensure that the vehicle can compensate for engine damage after wading in water or being flooded by noisy people. However, if the owner of the car is flooded and forcibly starts the engine and causes damage, then the insurance company will not compensate! In the rainy season, it is enough not to venture through sections of the road that are prone to water accumulation.

Individual glass breakage insurance companies know that insurance companies are good at word games, and there are really few cases that can cause glass to break every day. As long as you don't leave valuables in your car, thieves won't smash windows for belongings.

Theft emergencies. Today's cars basically have an engine lock system. There are electronic chips in the car keys, and each chip is equipped with a fixed ID (equivalent to an identification number).

The car can only start if the ID of the key chip is the same as the ID on the engine side; Conversely, if they are inconsistent, the car will immediately and automatically cut off the circuit, preventing the engine from starting. So, keep your keys.

Millions of car purchase subsidies.

These five types of car insurance do not need to be purchased or used at all. They are purely doing charity for insurance companies!

The first is wading insurance. It means that the engine of our car is damaged after soaking in water, and the insurance company has to compensate, but it is not that simple. If you start the engine two or more times after entering the water, you will not be compensated.

This insurance is just a decoration. The second is burglary, which also makes people feel very powerless. Only if all your cars are stolen, the insurance company will compensate.

For example, if some parts of the car, such as mirrors, windows, and wheels, are stolen, the insurance company will not be held responsible.

The third is spontaneous combustion insurance. This insurance means that your car has exploded, and the insurance company will pay for the loss. If you use some means to protect your car, the insurance company is nominally responsible for this part of the loss, but the insurance company has the right to state how much it will pay, so will the insurance company consider itself or for you?

Therefore, buying such insurance is purely for the insurance company to do charity, and it is of little use;

The fourth type, glass insurance, is a direct example. As you can see, if you accidentally hit a tree while driving, the insurance company will not compensate for the damage to the front and windows of the car because the window glass is not broken individually; If your car window was broken by a thief tricking a person, then this insurance company will pay because the thief just broke your car window;

The fifth is scratch insurance, that is, if your car is maliciously retaliated against or deliberately scratched for you, this insurance company will compensate you; However, if there is a traffic accident and the car is scratched, the insurance company will not give you any compensation! Seeing this, do you think that buying these five types of insurance is different from what the people who sell insurance say? And pointed out that when Tong actually sells insurance to you, you are the customer and God, so if something happens, then they are the boss, it is better not to buy it, you have more money to pay for insurance.

Why do you do so for the insurance company?

Millions of car purchase subsidies.

After the auto insurance reform, do you know how to buy car insurance? What are the secrets of car insurance that you are most afraid of? When you understand the thunder to avoid in car insurance, you will find that you can save a lot of money in a year.

When we buy insurance every year, the insurance company will recommend full insurance, in fact, many insurance is useless after buying, but it costs a lot of money. Today, we will introduce some of the most cost-effective and useful ways to buy insurance:

1.Compulsory traffic insurance.

This is a must be purchased, compulsory traffic insurance is the state compulsory purchase of traffic insurance, just like social security, belongs to the state compulsory purchase, compulsory traffic insurance only compensates others, not themselves.

1) Only 110,000 yuan will be paid for the disability, and no compensation will be paid for the excess part.

2) Medical expenses are only compensated 10,000 yuan, and the excess part will not be compensated.

3) Property damage is only compensated 2,000, and the excess part is not compensated.

2.All three.

During the insurance period, the insured or its permitted driver has an accident in the process of using the insured motor vehicle, resulting in direct damage to the third party's personal or property, and the third party shall be liable for damages according to law, and does not belong to the scope of exemption from the insurer's liability, and the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract for the part that exceeds the compensation limit of each sub-item of the compulsory insurance of motor vehicle traffic accident liability. The liability limit for each accident shall be determined by the policyholder and the insurer through negotiation when signing this insurance contract, and the current liability limit can be selected from 10W to 1000W.

3.Car damage insurance.

After the insurance reform, the glass insurance, theft insurance, natural insurance, and wading insurance, which used to need to be purchased separately, are now all merged into the car damage insurance, and only need to buy a car damage insurance to get it. The scope of protection is "the direct loss of the insured motor vehicle caused by natural disasters and accidents, and it does not fall within the scope of exemption from the liability of the insurer, and during the insurance period, the insured motor vehicle is stolen, robbed or snatched, and the loss of the whole vehicle has not been ascertained for 60 days after the case is filed and proved by the public security criminal investigation department at or above the county level where the accident occurred, as well as the direct loss caused by the damage caused by theft, robbery and robbery, as well as the occurrence of an insured accident, Necessary and reasonable rescue expenses paid by the insured or driver to prevent or reduce the loss of the insured motor vehicle. "The amount insured is determined by the actual value of the insured motor vehicle at the time of insurance.