Car BuyEasy Car Accident Insurance Issues

When buying a car, in order to avoid buying an accident car, you need to check some parts of the body. There is a screw on the engine cover of the car that cannot be unscrewed. As long as a traffic accident occurs, the engine will be seriously damaged.

From this it can be seen that the car must be an accident car, and you can also look at the color of the screws, because the screws are all the same color when they leave the factory. If the color changes, it should be an accident car.

How to identify an accident vehicle:

1.Paint: Observe the body paint for scratches, cracks, blisters, rust, scratches and any traces of the external coating. It is important to check that the gaps of the doors are even, that the doors are worn, that the doors are easy to open, that there are no scratches on the painted surface or that the corners are rusty.

2.Glass: The windshield and rear glass must be free of damage and scratches. In order to visually observe the windshield, make sure that the platform markings on the bottom of the glass are clearly visible.

3.Tires : No brake scratches. S shop can handle seamlessly. Double-check the wheels for dents, blockages with stones, cleaning, dents, or abrasions.

4.Chassis: Check the chassis for scratches or abrasions, and whether there are obvious unsuitable positions in the leaky pipe. Look for cracks in the suspension. Observe the cleanliness of the chassis and see if the car you need is a plateau car or someone else's.

5.Other parts: Check the left and right front ends of the cabin and the metal plates of the headlights for gold stamps and folds. Wrinkles are generally accident cars. Similarly, check the left and right metal plates of the rear housing for friction.

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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.

Resolutely do not buy second-hand cars from informal merchants. There are a lot of used cars, in the used car market, or some roadside stores where used cars are concentrated. He will have a few cars**.

Check to see if they are legally qualified before making a purchase. Generally, the probability of informal merchants deceiving people is still relatively large. Ways to avoid buying an accident car when buying a car:

1。We can automatically open the hood of the car without having to change the screws. But if the screws in this place are passive, it is likely that this range hood is not only open, but also replaceable; 2.

For car owners to do and Wu, most of them will not replace this item, because it is very expensive, and there is no point in replacing it, unless the car has a rear-end accident and the hood is hit very badly, so naturally there is no way to replace one; 3.Car water tank screws. The same goes for this place.

His position is deep, next to the engine, and he will not touch it until he has to. However, if the screws here are not normal, it means that this tank must have been replaced; 4.And its location is so secretive that it has been replaced.

It must have malfunctioned or had been hit very badly. In most cases, the sides of the engine are basically well protected from being hit. If there is a collision here, there is a high probability of a serious accident.

This car is an accident car, and we don't have to buy it even if we like it.