What is the best insurance to buy for car insurance, and what is the best insurance to buy for a car

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).

1. Compulsory traffic insurance.

Insurance liability: the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by road traffic accidents.

2. Third Party Liability Insurance.

Insurance liability: The insured or its permitted qualified driver in the process of using the insured vehicle, in the event of an accident, resulting in a third party suffering direct damage to personal ** or property, the amount of compensation that shall be paid by the insured in accordance with the law, the insurance company shall compensate in accordance with the "Road Traffic Accident Handling Measures" and the insurance contract.

3. Vehicle damage insurance.

Insurance liability: The insurance company is responsible for compensating for the losses caused by the insured or its permitted qualified drivers in the process of using the insured vehicle due to the following reasons: the loss caused by the accidental collision, rollover and other accidents of the insured vehicle; Fire around the insured vehicle, damage to the vehicle; Losses caused by the collapse of external objects, the fall of objects running in the air, and the parallel fall of the insured vehicle while driving; Losses to insured vehicles due to the following natural disasters:

lightning strikes, storms, tornadoes, torrential rains, floods, tsunamis, subsidence, ice subsidence, cliff avalanches, hailstorms, mudslides, landslides; Damage to the insured vehicle caused by a natural disaster (only if the driver is with the attendant on board) on the ferry carrying the insured vehicle.

Compensation items: including the loss of the vehicle itself in the accident and the reasonable expenses incurred for the reasonable rescue and protection measures taken on the vehicle.

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

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.

Compulsory traffic insurance must be bought, and I think you can freely buy other insurance according to your own actual situation.

I hope mine can help you, hope, thank you.

I think that as long as the car is insured by a large company, it is the same, such as Pacific Insurance or Chinese Life Insurance.

1. Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes two parts: basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, full vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

2. Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, vehicle cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, and special insurance excluding deductibles. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured. On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured;

The insurance that a car should be insured is as follows:

Compulsory traffic insurance vehicle and vessel tax is a type of insurance that can ensure the minimum standard of vehicles on the road after buying a car, and it is also a type of insurance that is mandatory for the state.

Vehicle damage insurance, also known as vehicle loss insurance, is the most basic type of protection insurance to protect vehicles from loss.

Third-party liability insurance can be said to be the most worthwhile type of insurance among all types of vehicle insurance.

There are two kinds of insurance that cars must buy, one is compulsory traffic insurance, and the other is commercial insurance.

1.There is one kind of insurance that you need to spend money to buy whether you want it or not, and it is the compulsory liability insurance ,..

2.Priority to purchase full third party liability insurance: all car insurance types of third party insurance.

3.Other types of insurance (theft insurance, glass, spontaneous combustion, scratch insurance) are purchased according to your own needs.

Summary. Pro, first of all, from the type of insurance, the most basic must be purchased is compulsory traffic insurance, and secondly, it is necessary to buy car damage insurance, three insurance, vehicle personnel liability insurance, driver liability insurance, excluding deductible additional insurance, these are the most commonly used insurance.

Pro, first of all, from the type of insurance, the most basic must be purchased on the slippery which is the compulsory traffic insurance, and secondly, it is necessary to buy the car damage insurance, three insurance, car personnel liability insurance, driver liability insurance, excluding deductible cover additional insurance, these are the most commonly used insurance.

The car damage insurance is mainly to compensate for the loss of the car in the accident, the vehicle personnel liability insurance, the driver liability insurance to compensate for the loss of the passengers and the driver of the lead car in the accident, the three-beat attacker insurance and the deductible compensation for the loss of the other party's personnel and vehicles caused by the traffic accident.

As for the insurance company, you can choose Ping An car insurance for ordinary people, and if you want to pursue multiple benefits and high insurance amount, you can choose Pacific insurance.

Improve the level of compulsory traffic insurance protection, including: increasing the liability limit of compulsory traffic insurance, optimizing the floating coefficient of road traffic accident rates of compulsory traffic insurance; Expand and optimize commercial auto insurance protection services, including: expanding the scope of commercial auto insurance coverage, deleting exemption clauses that are easy to cause claims disputes in practice, increasing the liability limit of commercial auto insurance, and supporting the enrichment of commercial auto insurance products; Improve the market-oriented formation mechanism of commercial auto insurance terms and rates, including:

Improve the industry's pure risk premium calculation mechanism, reasonably reduce the surcharge rate, gradually relax the floating range of independent pricing coefficients, optimize the preferential treatment coefficient without compensation, and scientifically set the upper limit of the handling fee ratio.

1. If the insurance company does not settle the claim, it can complain to the local insurance regulatory bureau or arbitrate, and if it cannot be resolved, it can sue. 2. "Consumer complaints" refers to the act of requesting mediation from consumer rights and interests protection organizations to protect their legitimate rights and interests after a consumer rights and interests dispute arises between consumers who need to purchase or use goods or receive services for daily consumption. 3. Arbitration is generally a system in which the parties voluntarily submit their disputes to an arbitral tribunal composed of arbitrators from non-judicial institutions for adjudication in accordance with the arbitration agreement concluded between them, and are bound by the adjudication.

4. Litigation refers to the act of a party filing a lawsuit with the people's court on a civil dispute and requesting the people's court to conduct a trial in accordance with legal procedures. That is, to request the court to make the defendant bear some legal responsibilities and obligations through the trial.

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In the first case, the new car that is still within the warranty period, especially the car within the three-year warranty period, it is recommended that you choose car damage insurance, because many new cars within the warranty period have crashed into a traffic accident, and a considerable number of them will choose to go to the 4S shop for maintenance.

In the second case, the car price is higher than 250,000 cars within six years of age, it is recommended that you buy car damage insurance, generally speaking, the car price is higher than 250,000 cars, even if the bumper scratches a paint surface, it has to be hundreds, plus disassembly and assembly to get down to more than 1,000. Therefore, if you have car damage insurance, you will be more at ease when driving with a car, otherwise you will have to pay one or two thousand for a random scratch, especially if you hit a part involving safety, it will be more expensive, for example, if the headlight is cracked, it will take thousands of headlights down, so it is recommended that you consider buying car damage insurance.

In the third case, luxury cars such as BBA and more expensive cars, because these luxury car parts and accessories are more expensive to repair, it is recommended that you buy car damage insurance, otherwise it will be really painful to repair in the event of a collision.

In the fourth case, no matter how old the car is, some technical secrets, for example, Volvo's circuit involves technical confidentiality, so in this case, if the car is damaged, you can basically only go to the 4S shop to repair, ** will become outrageous, accessories are very expensive, and the cost of man-hours is also very expensive, and it will be very painful to calculate, in this case, you must buy car damage insurance.

If you buy car insurance, you must buy it, compulsory traffic insurance and car damage, and a third party can do it.

1.Must purchase insurance: compulsory insurance.

This type of insurance must be purchased when the new car is licensed, and the cost for the first year is 950 yuan, and if there is no accident, it decreases slightly year by year. The compensation of this insurance is quite low, under the premise that the insured motor vehicle is responsible, the maximum compensation limit for death and disability is 110,000 yuan, the compensation for medical expenses is 10,000 yuan, and the property compensation is only 2,000 yuan.

Description: In order to save insurance costs, many car owners only buy a compulsory traffic insurance, and once a traffic accident occurs, the loss of car damage is very large, and only 2,000 yuan of property compensation is probably far from enough. Therefore, we do not advocate the practice of only buying compulsory traffic insurance.

Even if the driver is cautious, if it is a non-motorized collision with a motor vehicle, according to the provisions of China's road traffic law, you still have to lose money, and the compensation amount of compulsory traffic insurance is too low and far from enough.

2.Basic insurance: vehicle loss insurance + third-party liability insurance (reasonable purchase and matching).

Vehicle Loss Insurance: 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, and the insurer shall compensate according to the provisions of the insurance contract.

Note: The cost of vehicle loss insurance is linked to the value of the vehicle, and the cost will vary greatly depending on the purchase of the vehicle. For some models with a longer service life, this cost will be slightly lower.

For some consumers who buy a used car or a new car with a low value, it is understandable that you don't want to buy vehicle damage insurance. As long as there is no major traffic accident, it is enough for the owner to deal with minor accidents or scratches with the money from insurance.

Ancillary insurance of vehicle damage insurance: excluding deductible insurance + designated special maintenance insurance.

Note: Many new car owners are novices, and when they buy car insurance for the first time, they think that they will be fully compensated by the insurance company after purchasing vehicle loss insurance. In fact, this is not the case, if the car owner does not buy deductible insurance, the insurance company will only pay 8% of the loss of the vehicle.

The meaning of the designated special maintenance insurance is very clear, if you want to go to a repair shop or 4S to repair the car, then if you don't buy it, and you don't go to the repair shop designated by the insurance company to repair it, then the insurance company will have a reason to refuse to pay the full amount.

1. Compulsory traffic insurance.

The first is compulsory traffic insurance. Compulsory traffic insurance is a compulsory insurance that must be purchased for motor vehicles. This is the compensation by the insurance company for the damage caused by the accident of the insured motor vehicle and the Internet.

This is a must for our car owners and friends, and they cannot be released from insurance at will. Once you get out of bail, you are breaking the law.

2. Car damage insurance

Vehicle damage insurance refers to the fact that the insured vehicle suffers from natural disasters or accidents within the scope of insurance liability, causing losses to the vehicle, and the insurer will compensate for the loss caused by a contract. But natural disasters here are included. If our car owners take care of their cars, they should give their cars a car damage insurance.

3. Third party liability insurance

This insurance is referred to as "three liability insurance". It means that our car owner or permitted qualified driver, in the process of using the car, the car shouts a traffic accident, the accident caused by the third party injury or property damage, by the insurance company to compensate. The limit of this insurance is chosen by our car owner, i.e. the insured himself.

Car owners can choose 50,000, 100,000, 150,000, 200,000, 300,000, 500,000 and 1 million. Our car owners can choose according to their actual situation.

4. Liability insurance for on-board personnel

This insurance, also known as "seat insurance" or "seat insurance", is responsible for paying for injuries caused by the car to the person in the designated seat on the car. Our car owners can set a compensation limit for each seat as needed. This insurance is equivalent to accident insurance.

Purchase Considerations.

Second, if the vehicle is insured once, there will be no discount.

3. Pay attention to fraud**, it is best to go to a regular insurance company, shop around, and choose the most cost-effective insurance company to insure.

Fourth, the insurance must be in full.

5. Duplicate and over-insured are not cost-effective.

6. Car insurance renewal should be reasonably matched with insurance types. In addition to the compulsory insurance of the sail shed, the owner can purchase it voluntarily, and there is no need to buy some insurance that is not used.

7. Online insurance and manual insurance are the same.