Will everyone buy more car insurance?

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.

will buy, but generally just buy compulsory insurance

The following types of insurance are generally purchased for motor vehicles:

1. Compulsory traffic insurance.

Compulsory traffic insurance is compulsory insurance purchased by the state, and it is a compulsory liability insurance for the personal and property losses of the victim caused by a road traffic accident caused by the insured motor vehicle within the liability limit, but does not include the vehicle personnel and the insured. If you don't buy compulsory traffic insurance, you will be caught by the traffic police if you don't buy compulsory traffic insurance, and you will be fined double the premium, and you must buy it immediately before you can get back on the road. In addition, new cars do not buy compulsory traffic insurance is not given to the household, and the annual inspection cannot be passed.

2. Car damage insurance.

Vehicle damage insurance means that the insured or the driver allowed by the insured person is driving the insured vehicle and the insured vehicle is damaged, and the insurance company will compensate within a reasonable range. It should be noted that the scope of this insurance does not cover theft, robbery, glass breakage, wheel damage, etc., so not all vehicle losses can be covered by insurance companies after an accident.

3. Third party liability insurance.

Third-party liability insurance is a supplement to compulsory traffic insurance, mainly to protect the third party's personal and property damage in traffic accidents, and the third party refers to things other than the insured vehicle, including other motor vehicles, non-motor vehicles, people, animals, road traffic facilities, etc.

Extended Information] Motor vehicle insurance generally pays for repairs, but if the vehicle reset** is cheaper than the repair cost, the insurance company is likely to claim that the vehicle is a total loss. Generally speaking, the insured amount of motor vehicle insurance is the purchase of a new car** or the value of the vehicle at the time of insurance, but the vehicle is depreciated in use, and the insurance company will set an absolute deductible, so in the case of a total loss, the compensation will definitely be lower than the insured amount. The insurance period of this type of insurance is generally one year or less, and if there is no claim during the insurance period, you can enjoy the no-claim preferential rate when you renew the policy.

1. Priority in purchasing sufficient third-party liability insurance.

The third party is the most important for all types of car insurance. After all, you can't drive a car if it's ruined, but you can't be exempted from compensation from others, and you should put the ability to compensate others for their losses in the first place when buying car insurance. Otherwise, the only thing that can be done is to sell the house first after the accident, or divorce to preserve the property, are you willing?

The premise of the above loopholes is that the other party has not applied for property preservation of your assets. Therefore, in order to avoid similar troubles, it is better to insure the third party insurance in full.

The insured amount of the second and third insurance should refer to the compensation standard of the location.

The compensation standard is different in various parts of the country, according to the calculation of the highest mark of car insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Beijing may be 800,000 yuan. For example, if the 2008 traffic accident pays full responsibility, one person dies, the deceased is 30 years old, and the Beijing city hukou is calculated as follows, and it is estimated that 600,000 yuan is required.

Hello! Car insurance is divided into two types: type disturbance and commercial car insurance, of which the compulsory traffic insurance can only be purchased in one copy according to the law, and commercial car insurance can be used to buy multiple copies, but the insured amount of the insurance shall not exceed the value of the vehicle itself, and the insurance compensation will only be paid within the value of the vehicle itself, and the excess part will not be paid. For example, if the value of the car you buy is 500,000 yuan, but you have 300,000 yuan of insurance in two insurance companies, then after the accident, the two insurance companies will only pay 500,000 yuan instead of 600,000 yuan.

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

What insurance do you need to buy to buy a car.

First of all, it is necessary to purchase compulsory motor vehicle traffic accident liability insurance (referred to as compulsory traffic insurance). Compulsory traffic insurance is a compulsory liability insurance that the insurance company compensates the victim (excluding the vehicle personnel and the insured) for personal and property losses caused by road traffic accidents caused by the insured motor vehicle within the liability limit. Compulsory traffic insurance is compulsory insurance implemented by national laws, and its premiums are subject to a unified national charging standard.

Secondly, you can choose to purchase some commercial insurance as a supplement to the compulsory traffic insurance and protect the vehicle and the insured.

1. Third-party commercial liability insurance (referred to as three-liability insurance), three-liability insurance is an accident that occurs during the use of the insured vehicle by the insured or its permitted legal drivers, resulting in direct personal damage or property to the third party, and the insured shall bear economic responsibility and the insurance company shall be responsible for compensation according to law. It is not compulsory insurance, because the compulsory liability insurance is lower in the part of the compensation for the property damage and medical expenses of the third party, and the purchase of third-party liability insurance can be considered as a supplement to the compulsory liability insurance. Additional liability does not include a deductible.

2. On-board liability insurance (including driver and passenger). Vehicle liability insurance refers to the motor vehicle insured in the process of use, accidents, resulting in direct damage to the goods contained in the insured vehicle and the personal life of the person on the vehicle, according to the law should be borne by the insured Ye Liang economic compensation liability, as well as the insured to reduce the loss and pay the necessary and reasonable rescue and protection costs, the insurance company in the insurance policy stated in the insurance compensation limit to calculate compensation. Additional car liability is not subject to deductible.

3. 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. Most insurance companies' vehicle damage insurance generally covers the loss of the insured vehicle and related rescue expenses caused by natural disasters such as lightning strikes, storms, heavy rains, floods, and accidents such as collisions and overturns.

Additional damage is not subject to the deductible.

4. Whole vehicle theft loss insurance (referred to as theft insurance). The insurance liability of theft insurance is the reasonable cost of repairing the vehicle caused by theft, robbery and robbery of the whole vehicle, as well as the damage caused by the theft, robbery and robbery, or the loss of parts and accessories on the vehicle and the spine of the spine. Additional theft is not deductible.

In addition, there are some supplemental types of coverage that are purchased based on the use of the individual or vehicle. For example: body scratch insurance, glass breakage insurance, scratch insurance, spontaneous combustion insurance, etc.

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