Why buy insurance for a car? Do I need to buy car insurance?

Consider the need for protection.

With the development of the economy, the number of motor vehicles is increasing. At present, motor vehicle insurance has become the largest type of insurance in China's property insurance business. Motor vehicle insurance already covers the majority of motor vehicle accidents, and China's Ministry of Communications has made it mandatory for car buyers to purchase motor vehicle insurance.

The Insurance Law stipulates that the insured must notify the insurer within 48 hours after the occurrence of the insured event, otherwise the insurer shall not be liable for compensation for the part of the loss that cannot be determined or expanded. However, if you can provide valid proof, including a valid accident liability certificate or property damage certificate issued by the traffic police, you can continue to claim compensation from the insurance company.

In modern society, insurance is a very common business, because many times, we don't know when we will encounter danger, so buying insurance in advance can reduce our property damage when danger comes. The amount of insurance is usually much higher than when you bought it, so this is why insurance is called a high-income investment. Why should we buy car insurance?

This is because cars are often in an uncertain environment, accidents may occur at any time, if you buy insurance in advance, you can reduce the property damage you encounter when disaster strikes.

What are the dangers that cars often encounter? This can be divided into two parts, firstly, when driving on the road, there will be scraping because many other vehicles appear on the road at the same time, because of racing or occupying the road. Rear-end collisions and scrapes are common problems when driving on the road.

Sometimes even if we abide by the law, it is inevitable to meet unruly people when driving, they are easy to hit our car when driving, if we buy car insurance in advance, we can reduce the economic losses we need to bear when we encounter accidents on the road.

In addition, we often encounter a problem is natural disasters, sometimes heavy rain rewards, when driving on the road will encounter obstacles, such as exhaust pipe water, engine water, are very serious problems, the vehicle can not drive, if you buy car insurance, insurance involving floods, you can reduce the loss when floods come. So we know that when we buy insurance, we may not have experienced any disasters, but in order to be unimpeded in the form after that, we should still pay attention to the effective insurance of car insurance to reduce our losses when accidents occur.

Under normal circumstances, you can not buy, if you are a novice or the ** of the car is more expensive, it is suitable to buy.

First of all, let's look at the coverage of car damage insurance:

Collisions, damage caused by natural disasters, glass insurance and theft insurance.

1.If you are a novice on the road, the risk of collision is relatively high, so it is recommended to buy car damage insurance.

2.The maintenance cost of the vehicle with a higher price will also be higher, and even a small scratch will cost thousands, and you will be relieved if you have car damage insurance.

The value of the vehicle is low and the driver is skilled, the probability of collision is low, and the cost of small scraping is not high, so there is no need to go out of insurance, and the premium will increase in the second year after the accident.

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.

In order to protect the interests of the injured party in a car accident (especially to ensure that the injured person of the third party can receive timely medical treatment), the vast majority of places currently have third-party liability insurance.

It is a compulsory type of insurance for motor vehicles.

Without this insurance, the vehicle will not be able to be licensed and inspected.

For owners and users of the vehicle, if you have vehicle insurance for your car.

After the accident, you can get compensation within the scope of insurance liability to avoid huge economic losses caused by car accidents.

The purpose of car insurance is to protect against unexpected risks. To put it bluntly, insurance is mutual assistance and help each other solve financial difficulties.

Buying insurance is a kind of protection for yourself and others if you are in an accident because of your car.

After the purchase of a new car, many novices can be said to be ignorant of the purchase of car insurance, even those who have been driving for many years, do not necessarily know how to buy car insurance, let alone know how much car insurance is appropriate. In fact, when buying car insurance, you need to pay attention to distinguishing the types of insurance first.

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

As the economy becomes more and more developed, cars are increasingly entering thousands of households, and of course, various traffic accidents are also shocking. Driving on the road will inevitably bump and bump, accidents are also big and small, and you will know the importance of insurance after an accident. We generally don't know much about car insurance, and it is easy to be fooled by the 4S shop to buy full insurance, but in fact, there is really no need for that.

To be honest, it is necessary to insure the car, but there is also a skill in choosing car insurance.

Auto insurance is divided into commercial insurance and compulsory insurance, compulsory insurance is compulsory purchase by the state, and commercial insurance is voluntary.

Let's talk about compulsory traffic insurance first. Compulsory traffic insurance is a type of insurance that pays compensation to the victim within a limited amount when the insured causes a traffic accident and causes injury or major property damage. I personally think this type of insurance is also very necessary, after all, if something happens suddenly, there must be a solution.

Commercial insurance includes many types of insurance, such as vehicle loss insurance, third-party liability insurance, vehicle occupancy insurance, full vehicle theft insurance and various additional insurances. I personally feel that it is necessary to take car damage insurance, theft insurance, and car personnel insurance for these kinds of insurance. Car damage insurance is used to compensate for the insured vehicle, and the premium is the most expensive of all insurances, so it is completely necessary for friends who are not confident in their driving skills to take car damage insurance.

Friends who often go out can buy theft insurance. The most important car personnel insurance, which is used to compensate for the accidents of the people in the car, is also very necessary. Other additional insurance has to be chosen according to your own car environment.

Therefore, it is necessary to buy insurance for the car, after all, no one can guarantee that there will be no accidents while driving, and insurance can reduce losses to a certain extent.

Millions of car purchase subsidies.

With the development of the economy, more and more cars are entering every home. Of course, all kinds of traffic accidents are shocking. Driving on the road, it is inevitable that there will be bumps and bumps, and accidents can be big and small. After an accident, you will know the importance of insurance.

In general, we don't know much about car insurance. It's easy for the 4S shop to fool us into buying full insurance, but it's really not necessary. Truth be told, insuring your car is a must, but there are also tricks to choosing car insurance.

Auto insurance is divided into commercial insurance and compulsory insurance, with compulsory insurance purchased by the state and commercial insurance voluntary.

Let's talk about compulsory traffic insurance first. Traffic insurance is a type of insurance that pays insurance benefits to the victim within a limited amount when the insured is injured in a traffic accident or suffers major property damage. The state compulsorily purchases traffic insurance, which is optional.

Personally, I think this kind of insurance is also very necessary. After all, if something happens suddenly, there must be a solution.

There are many types of insurance under commercial insurance, such as vehicle damage insurance, third-party liability insurance, vehicle personnel insurance, vehicle theft rescue, and various additional insurances. These types of insurance are considered necessary by individuals to purchase car damage insurance, burglary insurance, and vehicle occupancy insurance. Car damage insurance is used to compensate the insured vehicle, and the premium is the most expensive of all insurances, so for friends who are not confident in their driving skills, it is absolutely necessary to purchase car damage insurance.

Friends who go out often can buy something for burglary. The most important vehicle occupant insurance, which pays for accidents involving vehicle occupancy, is also very necessary. Other additional risks must be chosen according to your own car environment.

Therefore, it is necessary to have insurance for the car. After all, no one can guarantee that there will be no accidents while driving, and insurance can reduce losses to a certain extent.

Hello! Under normal circumstances, it is best to purchase compulsory traffic insurance, third-party liability insurance, vehicle personnel liability insurance, and deductible insurance.

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.

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.

The correct way to insure is that all the vehicle insurance that suits you should be insured and fully insured to ensure that you will be fully compensated by the insurance company in case of an accident.

At present, there are various ways to apply for car insurance, you can choose to go to the car insurance company to apply directly, you can also apply for insurance through the Internet, and you can also apply for car insurance through **.

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

Focus on the popularization of commercial insurance, most of the car insurance mentioned in daily life refers to commercial insurance, before understanding commercial insurance. The most commonly used is car damage insurance.