For those who want to buy car insurance, which car insurance is not necessary

Car damage insurance + third party insurance + deductible + theft 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.

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.

1. Spontaneous combustion insurance.

Spontaneous combustion insurance refers to the insurance company that compensates the insured for the losses and reasonable rescue expenses that the insured must pay when the fire and loss caused by the insured vehicle due to its own reasons in use. However, the probability of a fire is very low, so there is no need to purchase this insurance.

2. Separate glass breakage insurance.

The so-called "separate glass breakage insurance" refers to the insurance that the insurance company will be responsible for indemnifying the windshield and window glass (excluding the lights and mirror glass) of the insured vehicle when it is damaged. This type of insurance has narrow coverage. In fact, under normal circumstances, it is enough for us to apply for car damage insurance.

There is no need to purchase this type of insurance again.

3. Wading insurance.

Wading insurance refers to insurance that the insurance company can compensate for engine damage caused by the insured vehicle wading or being submerged on a waterlogged road. If you are in an area with a relatively low probability of flooding, typhoons, and heavy rainfall, you do not need to purchase this insurance. In addition, the insurance will not compensate the owner for the damage caused by forcibly starting the engine after the vehicle is submerged.

4. Theft and rescue.

The full name of theft and rescue is "vehicle theft and rescue motor vehicle". This is a type of insurance where the insurance company will compensate for the damage to the vehicle due to theft and robbery. Therefore, if only the body parts are stolen, and not the entire car, theft and rescue are refused.

In real life, entire cars are rarely stolen.

Summary: For most car owners, when it comes to buying car insurance, they only need to buy three types of car insurance. Generally, they choose the necessary car insurance, including commercial third-party liability insurance, special insurance with no deductible, and compulsory traffic insurance.

It is not necessary to elaborate on the part of compulsory traffic insurance. This is forced by the state, it is illegal, it is impossible not to pay; Second, deductible-excluded insurance is a very important type of insurance. In the event of a traffic accident, the insured will be compensated in full; Finally, commercial third-party liability insurance is also indispensable.

After all, the amount of compensation for compulsory traffic insurance is not much. After a traffic accident and damage to a luxury car, you can opt for third-party liability insurance, which will make the compensation higher.

Glass breakage insurance, wading insurance, spontaneous combustion insurance, theft insurance, mental damage comfort liability insurance, repair cost compensation insurance, these insurances do not need to be purchased, if you have a strong financial ability, you can also choose to buy.

Spontaneous combustion insurance, glass insurance, wading insurance, theft insurance, scratch insurance, etc., these insurances are not necessary, because the probability of occurrence is very small, and even if it does, the amount he pays you is far from enough.

You can not buy wading insurance, you can not buy separate glass damage insurance, or you can not buy spontaneous combustion insurance. It is also possible not to buy scratch insurance. You can not buy theft insurance.

What is car insurance? Which ones are a must-buy.

With the continuous improvement of people's living standards, there are more and more friends who buy cars, and when everyone is buying a car, car insurance is also a large expense, but some insurance has almost no effect, and there is no need to buy it. This year is the second year of the implementation of the commercial auto insurance rate reform, and the preferential treatment of the auto insurance industry** has ushered in a peak, and the discounts of various auto insurance brands are stronger than the other. Major auto insurance brands have launched a large number of preferential activities, only to buy car insurance fuel card as an example, from 400 yuan to 2000 yuan.

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

There is no need to buy glass insurance. There are a lot of details to pay attention to in glass insurance. Divided into imported and domestic glass, ** will be much worse.

There are two types of claims: damage while driving and damage while parking. There is no compensation for the loss of the film due to broken glass or damage to other equipment in the vehicle.

Some companies stipulate that skylights are not glass, and the owner of the smashed may have to bear 30% of the loss. If there is a third party to blame, there will be a deductible for a certain amount of disturbance if Ms. Zhao broke the glass on the highway because of the stones brought by the wheels. Therefore, when applying for insurance, you must pay attention to the terms of the insurance bank and figure out the way to apply for insurance.

Seat insurance is there to protect the occupants in the car. In general, there are two options for the driver and the passenger to choose from, or it can be decided by your own driving skills. 2.

Wading insurance (not recommended). Didn't understand that if the streets were flooded, it would pay you. Of course not.

This is only for the compensation that will be paid if the engine gets water as a result of wading through the water while driving. So there's no need to go. 3.

Separate glass breakage insurance (not recommended). This insurance is mixed. Some people don't think it's necessary.

In fact, such a situation is not common. So don't buy for advice. If the glass is broken by other accidents, there is actually compensation in the car damage insurance.

You don't have to purchase the following types of insurance:

Self-insured, only within the warranty period of the vehicle. During the warranty period, the spontaneous combustion of the vehicle is the responsibility of the manufacturer's warranty. If you buy this insurance, it is also a duplicate insurance, which is meaningless, and the insurance company will not compensate repeatedly.

After the warranty period, you don't need to buy it. It is recommended that according to the condition of the vehicle, generally after 4-5 years, due to the aging of the line, in the case of poor use environment, you can consider purchasing spontaneous combustion insurance.

Scratches, cars within 200,000 do not need to be bought. The premium for scratch insurance of 2,000 yuan is 400 yuan, and the premium for 5,000 yuan is 800 yuan, which is too expensive. And one or two pairs of paint are out of danger at a time, and it costs 1,000 yuan.

If the restrictions are stacked multiple times, it is really not worth counting the number of occurrences of the impact rate concession next year. If the car is scratched, the scratches can be changed to scratches, and the insurance company has no way to report car damage insurance. You have to buy a luxury car.

In an insured event, glass breakage usually occurs along with the loss of other parts of the vehicle, and the glass breakage at this time falls within the scope of liability of the vehicle damage insurance. When the glass is broken alone, it does not fall within the scope of car damage insurance, but falls within the scope of responsibility for the fierce attack of glass insurance. At this time, if there is no glass insurance company, it will not pay.

Full car theft insurance is not recommended. Now there are cameras everywhere. It's not easy to steal a car.

There are two main types of vehicle insurance: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is a mandatory requirement of the state, known as compulsory liability insurance for motor vehicles. Business insurance is actually a combination that you can choose for yourself.

Millions of car purchase subsidies.