What kind of insurance is good to buy for the vehicle, and which is the most suitable for the vehicl

Hello! There are two main types of auto insurance: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory for the state. Compared with compulsory traffic insurance, automobile commercial insurance is purchased by the car owner.

Commercial insurance includes: vehicle loss liability insurance main insurance (main insurance), commercial third party liability insurance (main insurance), full vehicle theft insurance, vehicle personnel insurance, glass breakage insurance, body scratch insurance, natural insurance, etc., which can be purchased optionally.

As for which is better? This one needs to be chosen according to your actual situation! The right one is the best!

Remind the majority of car owners and friends that when choosing vehicle insurance, they should ** what risks they may encounter, and then purchase car insurance products according to their needs. You can also take a look at the precautions for buying a car, congratulations!

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

Taiping Motor Vehicle Insurance.

1) Vehicle Damage Insurance:

The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the insured or its permitted qualified driver in the course of using the insured vehicle due to the following reasons:

1. Collision and overturning;

2 Fires, **;

3. Collapse of external objects, falling objects running in the air, and parallel falls of insured vehicles while driving;

4 Lightning strikes, storms, tornadoes, torrential rains, floods, subsidence, ice subsidence, cliff avalanches, avalanches, hailstorms, mudslides, landslides;

5 The ferry carrying the insured vehicle suffers from a natural disaster or accident (only if the driver is accompanying the vehicle).

General Riders.

1) On the basis of insuring vehicle loss insurance, the following additional insurance can be insured:

1. Whole car theft rescue.

2. Spontaneous combustion loss insurance.

3. Separate glass breakage insurance.

4. Vehicle suspension loss insurance.

2) On the basis of purchasing third-party liability insurance, the following additional insurance can be purchased:

1. Liability insurance for on-board personnel.

2. Liability insurance for carrying goods.

3. No-fault liability insurance.

4. Liability insurance for on-board cargo drops.

Vehicle insurance, that is, motor vehicle insurance, referred to as car insurance, refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or side accidents caused by motor dust vehicles.

1. Compulsory traffic insurance, the full name of compulsory traffic insurance is"Compulsory insurance for motor vehicle traffic accident liability"It is a compulsory liability insurance that is compensated by the insurance company for the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by a road traffic accident of the insured motor vehicle within the liability limit. It is a mandatory insurance;

2. Third-party liability insurance, third-party liability insurance refers to the economic responsibility that the insured or its permitted driver shall bear in accordance with the law if an accident occurs during the use of the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation. At the same time, if the insured incurs arbitration or litigation costs with the written consent of the insurance company, the insurance company shall compensate beyond the liability limit, but the maximum shall not exceed 30 of the liability limit;

3. Vehicle loss insurance, vehicle loss insurance refers to the loss of the insured vehicle itself caused by natural disasters (excluding **) or accidents within the scope of insurance liability;

4. The insurance liability of the whole vehicle theft insurance is the vehicle loss caused by the theft, robbery and robbery of the whole vehicle, as well as the reasonable expenses that need to be repaired if the vehicle is damaged or the parts and accessories on the vehicle are lost during the theft, robbery and robbery.

Millions of car purchase subsidies.

The insurance that should be bought for the car is: 1. Compulsory traffic insurance: compulsory traffic insurance is a compulsory insurance of the state and is a type of insurance that all vehicles must purchase.

2. Third-party commercial liability insurance: Since the amount of compensation for the compulsory traffic insurance is limited, the purchase of the third-party insurance can compensate for the part of the compulsory traffic insurance that cannot be claimed. 3. Deductible insurance

In the event of an accident, the insurance company normally pays 80% of the damages. 4. Car damage insurance: Car damage insurance claims are a necessary type of insurance, and the insurance company can claim compensation regardless of the damage caused by the car such as collision, scratches, and water soaking.

Summary. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance, and commercial insurance includes two parts: vehicle main insurance and additional insurance. The insurance customers of vehicle insurance are mainly corporate bodies and individuals who own various motor vehicles.

Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance, and commercial insurance includes two parts: vehicle main insurance and additional insurance. The insurance customers of vehicle insurance are mainly corporate bodies and individuals who have various motorized vehicles to return to the car.

Compulsory traffic insurance, this must be purchased, because if you don't buy this, you can't get a license, you have to buy it every year.

The main insurance of commercial insurance includes car dismantling loss insurance, third-party liability insurance, vehicle personnel liability cover and branch insurance, and 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. Physical sensitivity.

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.

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.

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.