What insurance should I buy when I buy a second hand car?

Hello, there are two main types of car insurance: compulsory traffic insurance and commercial insurance. Remind you that when choosing vehicle insurance, you should ** what risks you may encounter, and then choose car insurance products according to your needs. Compulsory traffic insurance is mandatory for the state.

Compared with compulsory traffic insurance, automobile commercial insurance is purchased by the car owner. Under normal circumstances, it is best to purchase compulsory traffic insurance, third-party liability insurance, vehicle personnel liability insurance, and deductible insurance. Here's a reference link for you.

How to buy car insurance).

You have to buy all the insurance you should buy, now there are cars on the road, you don't hit others, others have to hit you, in case you hit a good car, it will be strained!!

So 1Compulsory traffic insurance must be bought.

2.The third liability insurance is 500,000 yuan (preferably 1 million).

3.Car damage insurance This is to pay for your own car.

4.Deductible (there is no deductible is the compensation ratio between the insurance company and you, and there is no deductible is how much money you don't have to pay).

5.If the used car is old, you can consider spontaneous combustion insurance.

It is not recommended to buy car damage insurance for the three on it, don't buy anything else.

If you want to buy insurance for a second-hand car, the first thing you must buy is compulsory traffic insurance, and commercial insurance can be voluntary.

1. Compulsory traffic insurance: According to the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, the owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability.

2. Commercial insurance: There are many options for commercial insurance compared to compulsory traffic insurance, and it is very important to insure commercial insurance according to your own car. Commercial insurance can be selected according to the model and age.

3. Car damage insurance: to protect the loss of the car, the car damage insurance includes: motor vehicle theft, ** and its secondary disasters, glass breakage, spontaneous combustion, engine wading and other insurance liabilities. When the car is out of the house, it can be more comprehensively protected.

4. Three-party insurance: third-party liability insurance and compulsory traffic insurance are essentially to provide timely protection for the victims of traffic accidents, compared with the compensation amount of the three-party liability insurance is higher, and the compensation amount for the accident is also more, and it is also very necessary to purchase third-party liability insurance as a supplement, and the insurance amount of the third-party liability insurance should be bought enough, and it is recommended to be more than 1 million.

The most important thing to buy a Liangqiao or second-hand car is to inspect the car before buying, and people who don't know the car are advised to find a doctor to check before buying a car, so as to ensure that the condition of the car is transparent at the same time, it can also reduce the safety risk of the vehicle.

Second-hand cars are generally bought with compulsory traffic insurance, commercial insurance, and car damage insurance.

All three. There are many types of car insurance, and for car owners who don't have a particularly good budget, they can choose affordable car insurance. 1. Compulsory traffic insurance: according to the "Compulsory Insurance of Motor Vehicle Traffic Accident Liability".

The Regulations stipulate that the owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability. 2. Commercial insurance: There are many options for commercial insurance compared to compulsory traffic insurance, and it is important to insure commercial insurance according to your car.

Commercial insurance can be selected according to the model and age of the vehicle. 3. Car damage insurance: to protect the loss of the car, car damage insurance includes:

Insurance liability for theft and robbery of motor vehicles, ** and its secondary disasters, separate glass breakage, spontaneous combustion, engine wading, etc. When the car is out of the house, it can be more comprehensively protected. 4. Three risks:

Third Party Liability Insurance.

In essence, compulsory traffic insurance provides timely protection for victims of traffic accidents, compared to three liability insurance.

The amount of compensation is higher, and the amount of compensation for the accident is also more, and it is also very necessary to purchase third-party liability insurance as a supplement, and the amount of third-party liability insurance should be bought enough, and it is recommended to buy more than 1 million.

Generally speaking, when the second-hand car is transferred, the other party's insurance can be directly transferred to his own name, but if the original owner is unwilling to transfer the insurance or the insurance amount of the original car.

If it is not high, it is more cost-effective to buy it yourself.

The type of insurance that must be purchased is compulsory traffic insurance, and other insurances can be chosen by yourself. I recommend Third Party Liability Insurance.

and spontaneous combustion insurance. The scope of liability of third-party liability insurance is basically the same as that of compulsory traffic insurance, but its compensation liability is greater and the degree of protection for car owners is higher. Therefore, even second-hand cars with a low price per mu should be insured with car damage insurance.

and third party liability insurance.

Spontaneous combustion insurance, generally after 3-4 years, the wiring on the car gradually ages, and the probability of spontaneous combustion of the vehicle is greatly enhanced, so for second-hand cars, it is more cost-effective to buy a spontaneous combustion insurance.

Of course, you can also consult the staff of the second-hand car market when buying a car, and ask them to help you recommend insurance for you. The last time I bought a car in the Runhua second-hand car market, I was troubled by the staff to introduce me to the common second-hand car insurance in the market, he introduced it very professionally, gave me a lot of advice, very useful but I can understand it at once.

When renewing the second-hand vehicle insurance, the insurance type can be matched with the insurance type according to your actual needs, mainly to see whether the account is over, and it is good to handle it according to the normal procedures.

1. Vehicle damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident while driving the insured vehicle or its permitted driver. The third liability insurance is the third party liability insurance in the commercial notice credit insurance, which means that the insured vehicle suffers personal or property losses to the third party due to an accident, and the insurer shall compensate in accordance with the provisions of the insurance contract.

2. First of all, handle the insurance transfer, many car owners who buy second-hand cars attach great importance to the performance indicators of the car, but it is easy to forget some details of the amount of insurance insured by consumers, which is directly related to the amount of compensation.

3. Used car refers to the car that has been registered with the public security sockwheel traffic management authority before reaching the scrapping standard of the national system, and can be traded and transferred to the ownership of the car, including three-wheeled steam in the car, low-speed trucks, that is, the original agricultural vehicles, trailers and motorcycles.

Compulsory traffic insurance must be difficult to buy, it is recommended to buy full insurance, insurance Wang argues that the money is not too much, but if you do not buy full insurance, once there is an accident, you need to pay a lot more than you need to pay, no one can guarantee that there will be no accidents, according to your own economic conditions and other decisions.

Click to talk about my avatar to see the introduction, and take you to understand the car condition query method! Professional query [accident record], [4S maintenance record], etc., the data is accurate, and the report is issued in seconds! One-click investigation of bad car conditions such as accident scattered old hall cars, soaking cars, meter adjustment cars, and fire cars!

Compulsory traffic insurance can be opened.

The insurance to buy for second-hand cars are: compulsory traffic insurance: compulsory traffic insurance is a mandatory insurance that the state needs to buy, which can provide basic protection for car owners, and only after buying second-hand vehicles can they be on the road and annual inspection; All three.

The third-party liability insurance clause means that after you hit the other party with your own car, the insurance company will pay the other party's losses; Car damage insurance: vehicle damage insurance clause, after your car is affected by a natural disaster or bump, the insurance company will pay for the loss of your vehicle; Driver and passenger insurance: Liability insurance for people on board the motor vehicle, when you drive out, the person sitting in the car is injured, and the insurance company will pay for the loss of the driver and passenger.

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".

From September 19, 2020, the Guiding Opinions on the Comprehensive Reform of Motor Insurance will be officially implemented, and the total liability limit of compulsory traffic insurance will be increased from 10,000 yuan to 200,000 yuan.

The meaning of third-party commercial liability insurance refers to the accident that occurs in the process of using the insured vehicle by the insured or its permitted legal driver, resulting in direct damage to the third party's personal ** or property, and the insured shall bear economic responsibility and the insurance company shall be responsible for compensation according to law. Since the introduction of compulsory liability insurance, third-party liability insurance has become an optional insurance and can be used as a supplement to compulsory liability insurance.

Third-party commercial liability insurance, also known as third-party liability insurance, in the past, the vast majority of places listed third-party liability insurance as compulsory insurance, do not buy this insurance, motor vehicles can not be licensed and can not be inspected annually. After the introduction of compulsory motor vehicle traffic insurance, third-party liability insurance has become non-compulsory. Because the compulsory liability insurance is relatively low in terms of compensation for the property damage and medical expenses of the third party, the purchase of third-party liability insurance can be considered as a supplement to the compulsory liability insurance.

1. Whether it is a second-hand car or a new car, you must buy compulsory traffic insurance, because it is a compulsory insurance implemented by national laws.

2. It is necessary to have vehicle loss insurance, third-party liability insurance and deductible insurance in commercial insurance, followed by seat insurance, and other types of insurance can be purchased according to the actual situation and needs.

3. The insurance of the second-hand car is also transferred at the time of transfer, and the insurance of the second-hand car in the first year (not the year of transfer), that is, the first year after the transfer, all insurance costs will be restored to the original price, that is, there is no discount.

4. Generally, the commercial insurance will be surrendered and the compulsory insurance will be retained. Commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle theft insurance, seat insurance, special insurance without deductible, glass breakage insurance, spontaneous combustion insurance, body scratch insurance and wading insurance.

If the second-hand car is not insured, then the second-hand car owner must purchase compulsory traffic insurance and commercial car insurance according to the new car standard.

If the second-hand car purchased originally comes with car insurance, then the owner of the used car must go through the procedures for transferring the ownership of the vehicle before going through the policy transfer procedures. The transfer of ownership of compulsory traffic insurance and commercial auto insurance is also different.

Compulsory traffic insurance transfer friends carry:

The compulsory traffic insurance "follows the car" is not "with the person", and only the vehicle within the validity period of the compulsory traffic insurance can go through the transfer procedures.

Commercial Auto Insurance Transfer:

1. If the second-hand car insurance purchased by Xiao Chongguo is about to expire, the owner can choose to surrender the insurance and buy a new insurance to transfer the ownership. In this case, car insurance for a used car must be purchased according to the standard of a new car.

2. If the purchased second-hand car insurance has a long insurance period, the owner can choose to change the original policy elements and transfer the car insurance to his own name until the insurance expires, but in this case, the second-hand car insurance is not calculated according to the new car standard.

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

Second-hand car insurance and Xinshi Chang car insurance is the same, but also need compulsory insurance and commercial insurance, compulsory insurance is a kind of national compulsory payment of liability insurance, if you buy a second-hand car, compulsory insurance has not expired, then you can continue to use, commercial insurance is a choice of hidden shirt selective purchase of a kind of commercial insurance, including third-party insurance, car damage insurance, etc., generally buy second-hand cars when you need to re-purchase, compulsory traffic insurance is necessary to buy, commercial insurance is recommended to buy in order to carry their own protection.

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

It is cost-effective to buy insurance for second-hand cars, specifically:

1. Compulsory traffic insurance must be bought, compulsory traffic insurance is compulsory insurance, do not buy can not go on the road, once there is no compulsory traffic insurance on the road, once the traffic police find out, will be fined, the amount of the fine has 2 times the premium of the compulsory traffic insurance, will deduct points and impound the vehicle, in addition, can not carry out the annual review of the vehicle.

2. Although the three insurances in the rough industry insurance are not compulsory insurance, they are also one of the types of insurance that must be bought, the three insurances are for the occurrence of traffic accidents, the personal and property losses of the third party are compensated, although the compulsory traffic insurance is to pay for the liability of the third party, but there is a limit, the maximum amount is 200,000, if it exceeds this amount, there are three insurances that can be paid, which can greatly reduce the burden.

3. If the value of the second-hand car is not high, the car damage insurance can be considered not to buy, because the car damage insurance is to compensate for the loss of their own vehicles, if the value is too low, the significance of maintenance is not great, you can not choose the car damage insurance, but if the value of the second-hand car is high, you can configure it well, after all, the car damage is basically broken can be compensated.

4. If the second-hand car often carries others, you can buy the liability insurance of the personnel on the car to protect the passengers and the driver. You can inquire through the insurance company underwriting the car insurance, go to the offline counter to inquire, log in to the online channel of the insurance company to inquire, and you can also inquire through the traffic police Dazen team. Generally, the second-hand car bought in this town insurance, can be transferred to the name of the owner, you need to inquire which insurance you have bought, you can take the official app of the insurance company as an example, such as through the Ping An good car owner to inquire about the second-hand car policy, the specific operation is as follows:

Open the safe good car owner;

2. Registration and login.

On the "My" login page of Ping An Good Car Owner, log in with registration;

3. Find and check the insurance policy.

Click Enter, enter your name and ID number, and click to enter the Policy Center;

4. Check the car insurance policy.

Through the insurance car in the policy center, you can find the car insurance policy of Ping An Insurance and see which insurance policies have been bought for used cars.

The above steps are operating in the operating environment:

Phone model: Xiaomi 12

System version: MIUI 13