What insurance is important for people who have just bought a car?

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.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

The main types of vehicle insurance include car damage insurance, theft insurance, glass insurance, third-party liability insurance, on-board liability insurance, as well as additional insurance such as natural damage insurance, scratch insurance or limb insurance, wading insurance, and special insurance excluding free escort. "When buying car insurance, compulsory traffic insurance must be bought, and new car owners also need to buy 8 major types of insurance, such as: compulsory traffic insurance + commercial third-party liability insurance (300,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + glass insurance + body scratch loss insurance + natural loss insurance + excluding deductible special insurance, this combination is more comprehensive.

If a novice drives an old car, in addition to compulsory traffic insurance, as long as you buy 4 types of insurance, including car damage insurance, commercial third-party liability insurance, vehicle personnel liability insurance, and special insurance without deductible. Even if the glass of the old car is cracked, as long as it does not affect the driving, the glass breakage insurance can not be guaranteed.

For the type of "hungry old shirt" driver driving a new car, you can add car damage insurance, commercial third-party liability insurance, theft insurance, glass breakage insurance, vehicle personnel liability insurance, and scratch insurance.

If the "old" driver drives an old car, he needs the least amount of car insurance, and generally only needs to buy three types of car damage insurance, commercial third-party liability insurance, and on-board personnel liability insurance.

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

In addition to the compulsory traffic insurance that the state compulsorily purchases, it is also necessary to purchase commercial insurance. Commercial insurance usually buys auto damage insurance and third-party liability insurance, as well as water insurance, spontaneous combustion insurance, auto personnel liability insurance, etc., which are all chosen by the owner according to their own wishes.

Buy car insurance, these types of insurance must be bought, otherwise you will regret it.

Generally, after buying a car, you must first buy car insurance, and secondly, you can buy full insurance, in case of any accident, the insurance company will compensate you in full.

There are four types of insurance you can buy after buying a car:

1.Compulsory traffic insurance.

2.Car damage insurance. It is used to repair the car by yourself.

3.Third Party Liability Insurance. To buy 1.5 million quota.

4.Comprehensive Accident Insurance. This is bought for yourself.

It is enough to buy these four types of insurance, and there is no need to buy full insurance.

What must be paid is compulsory insurance, followed by commercial insurance, you can also pay a third-party insurance, and the rest can be paid or not.

Compulsory insurance, compulsory insurance, vehicle and vessel tax, and new cars are best added with car damage insurance, and the three insurances must be on, with a minimum insurance amount of 1 million.

The specific insurance to buy when buying a car is related to the needs of the person who buys the car. If you need to buy some insurance after buying a car, in addition to the insurance that must be purchased, other insurance can be selected according to the purpose of your car and the length of time you use it. Among them, the insurance that must be purchased includes compulsory traffic insurance, which is required by the state to be purchased, and the car can only be on the road after purchasing compulsory traffic insurance.

Other insurances include third party liability insurance, occupant liability insurance, and theft insurance, some of which are not needed, for example, theft insurance, if the car is often parked in some remote places need to be purchased, if the car is in the garage do not need to be purchased.

Compulsory traffic insurance, vehicle loss insurance, third-party liability accident insurance, vehicle theft insurance, on-board liability insurance, glass breakage insurance, spontaneous combustion loss insurance, special insurance excluding exemption of empty compensation and other types of insurance.

Purchase principle: Principle 1: Priority to purchase sufficient third-party liability insurance;

Principle 3: After buying enough insurance for the empty loss of the people on the car, then purchase the car damage insurance;

Principle 4: Buy other types of insurance after purchasing car damage insurance;

Principle 5: Purchase deductible insurance for three-party insurance, driver-passenger Doubi seat liability insurance, and vehicle damage insurance;

Principle 6: Other types of insurance (theft insurance, glass, spontaneous combustion, scratch insurance) should be purchased according to your own needs.

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

When taking out a loan to buy a car, these types of insurance must be purchased:

1. Compulsory traffic insurance. This is a type of insurance that must be purchased by the state. As long as the borrower buys a car, compulsory traffic insurance is a must-buy insurance, and there is no negotiation.

2. Third liability insurance. In terms of compensation, the amount of compulsory liability insurance is relatively low, and if the borrower has purchased third liability insurance, the amount of compensation after the accident will be relatively high.

3. Whole car theft insurance. After the purchase of a new car imitation town, it must be a pain like a baby, especially a good car, of course, it is afraid of being stolen and robbed. With the guarantee of this insurance, the borrower does not have to worry about the new car being stolen and robbed.

4. Vehicle loss insurance. This is one of the most common types of insurance purchased for new cars, and if the car is used in the future, it can be claimed if there are abrasions and other injuries to reduce the borrower's losses on the way to the car.

5. Deductible insurance is not included.

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

The only insurance that you have to buy when buying a car is compulsory insurance, which must be purchased, because if you don't buy this, you can't get a license plate, you have to buy it every year, or you can't pass the annual inspection.

Extended Fiber Cluster Reading: [Insurance] Guess how to buy, which one is good, teach you to avoid the insurance of this Zheng argue"pits"