What insurance is good to buy in the car, and what insurance is best to buy for the 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.

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Compulsory traffic insurance, car damage insurance: the car damage insurance is paid by the car damage insurance, third-party liability insurance: used to compensate for the other party's property and personal losses, excluding deductibles: the insurance company can be paid in full, seat insurance: used to compensate for the loss of people on the car.

The insurance to buy for the car is: 1. Compulsory traffic insurance, which is one of the insurances to be purchased according to the provisions of the law; 2. Car damage insurance, its daily scratching and other problems, maintenance costs can be found by the insurance company to pay for reimbursement; 3. Third liability insurance; 4. Deductible insurance is not included. Vehicle insurance is referred to as car insurance, also known as car insurance, refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents caused by natural disasters or accidents, which is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance and the emergence and development of automobiles.

The four insurances that must be purchased for vehicles are compulsory traffic insurance, third-party liability insurance, vehicle personnel insurance, and deductible insurance. If you don't know how to buy, the general insurance company will have a recommendation, and you can choose the insurance you want on the basis of the insurance company's recommendation.

Nowadays, with the increase in the penetration rate of automobiles, the insurance business of insurance companies in automobiles is also endless, and there are many patterns, so when people want to buy an insurance for their cars, they are dazzled, and they do not regret what insurance to buy. If you don't know how to buy, the general insurance company will have a recommendation, and you can choose the insurance you want on the basis of the insurance company's recommendation.

The 4 insurances that must be purchased for vehicles are as follows:

1. Compulsory traffic insurance: this type of insurance must be bought, do not buy and do not let the road, compulsory traffic insurance is that after the accident, the insurance company will compensate the victim accordingly in accordance with the contract, but it is necessary to pay attention to the fact that the victim does not include the insured and the people in the car;

2. Third-party liability insurance: that is, a third party other than the owner and the insurance company, when the owner inevitably hits other drivers during the driving process, the insurance company can bear a part of the compensation according to the regulations to reduce the compensation burden of the car owner;

3. Personnel insurance on the car: there will inevitably be passengers on the car, and if an accident occurs after buying this insurance, the insurance company can compensate according to the contract;

4. Excluding deductible insurance: when the accident occurs, the insurance company still has a deductible rate, that is, some of it can not be compensated, and the owner needs to pay part of the money himself.

Hello! In addition to compulsory traffic insurance, you should also consider some commercial insurance, such as three liability insurance, car damage insurance, and special insurance without deductible. Of course, if it is a new car, you should also consider full car theft insurance.

Third-party liability insurance refers to the direct loss of property and personnel of a third party caused by an accident in the driver's use of the insured vehicle. With the current compensation standard, it is recommended to buy at least 100,000, and it is best to buy 200,000 or 500,000 (especially for novices or friends who love to play and fly into cars and friends who are under high work pressure and not easy to concentrate, it is best to buy a high insurance amount), and because the price of 50,000, 100,000 and 200,000 is not much different, in short, this type of insurance is safe to buy. Vehicle damage insurance refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer will compensate according to the provisions of the insurance contract.

This is the opposite of a third party, which is to take care of yourself, and if you take care of your car, you have to buy it. Regardless of the deductible, the special insurance should also be purchased, mainly because the insurance company will have a deductible of about 20% when making a claim, that is, the insurance company will not pay the full amount, and the car owner himself will also bear a part. However, it is not the same after insuring the deductible special insurance, the part of the deductible of the insurance company will also be compensated to the car owner, so that the interests of the car owner can be maximized, so it is best to attach a non-deductible insurance after everyone buys the basic insurance.

Of course, if it is a new car, you should also consider the whole car theft insurance. New cars are easy to attract the attention of thieves, and some are easy to steal models, so insuring theft insurance can prevent accidents; If the location of the car is not fixed, or it is often parked in an open-air unguarded parking lot, it is also recommended that the owner insure the car theft insurance to add a layer of protection to the car.

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

Hello, the car can only be on the road by buying compulsory traffic insurance, but if you are a novice, it is also recommended to buy commercial insurance, there are many commercial insurance, depending on your own situation. There are four types of commercial third-party liability insurance, vehicle loss insurance, vehicle theft insurance, and vehicle personnel liability insurance; Additional insurance includes glass breakage insurance, body scratch loss insurance, spontaneous combustion loss insurance, special clauses without deductible odds, etc. There are dozens of types of commercial insurance, and car owners cannot and do not need to invest in all of them.

Have a great day.