What kind of insurance do you need to buy for a car, and what kind of car insurance you need to buy

When you buy insurance for the car, the salesman will ask you to buy full insurance, saying that it is fully insured. In fact, many of them are not needed at all, and it is enough to buy these 4 types of car insurance.

Car insurance needs to buy the following:1Compulsory traffic insurance.

Compulsory traffic insurance is a type of insurance that the state mandates to purchase, and a new car cannot be bought on the road without it. Compulsory traffic insurance is mainly used to protect the personal and property damage of traffic accident victims, note that the victims here do not include the car personnel, that is, only to compensate for the losses of others; 2.Car damage insurance.

The literal understanding is the loss of the vehicle, note that the damage to the car here is only your own vehicle, it is recommended to be fully insured, and the value of the car is as much as you want; 3.Third Party Liability Insurance. Abbreviated as "three responsibilities", that is, to protect the personal injury and property damage of third parties.

This is a supplement to the compulsory traffic insurance, because the amount of compulsory traffic insurance is limited, and the maximum is only 200,000. Therefore, third-party liability insurance generally has different insurance amounts for you to choose from, such as 500,000 yuan, 1 million yuan, etc., which can be selected according to your needs; 4.Seat insurance for people on board.

Insured for accidental death and medical treatment of drivers and passengers, and for injuries and losses of the vehicle; 5.Liability insurance for external drugs. After the insurance, the other party's self-financed drugs during hospitalization can also be reimbursed, otherwise the insurance can only compensate for the reasonable expenses within the scope of hospitalization, and those outside the medical insurance catalog cannot be compensated, and the car owner has to pay for it.

Among the above: compulsory traffic insurance, car damage insurance, and third-party liability insurance are required for vehicles. Several other free options.

1. Compulsory traffic insurance.

This is the insurance that must be purchased according to the state, and if you don't buy it, the traffic police will have to withhold the fine. The insurance does not pay much, mainly for others, and does not pay for your own car.

2. Third liability insurance.

In the accident, if the accident causes direct damage to other people** or property other than the driver and passengers, the insurance company stipulates compensation. The insurance company can compensate in full, and if it is its own full liability, the insurance company has a 20% deductible.

3. Car damage insurance.

Car damage insurance is paid to oneself, especially for novices, it is inevitable to scratch and scratch, and buying this insurance can reduce the loss of self and dry chain.

4. Deductible insurance is not included.

This kind of insurance is a supplementary insurance, and in many accidents, the insurance company has a 5-20% deductible in the compensation, and if you buy a deductible insurance, you can avoid these deductibles and get full compensation.

The following is the insurance that must be bought for cars, which is compulsory traffic insurance, and car owners can also buy corresponding insurance according to their own knowers, and the actual situation. Compulsory traffic insurance is a compulsory insurance that must be purchased for motor vehicles, and the insurance company will compensate the victims (excluding the personnel of the vehicle) for personal and property losses caused by road traffic accidents of the insured motor vehicles within the liability limit. Compulsory traffic insurance cannot be taken out of insurance casually, and it is illegal to get out of insurance.

The following is an introduction to the content of other auto insurance: 1. Third party liability insurance: refers to the direct damage to the person and property suffered by the third party due to an accident caused by an accident in the use of the vehicle by the insured or its permitted qualified driver, and the insurance company will compensate mainly to supplement the lack of compulsory traffic insurance.

2. Vehicle loss insurance: Vehicle loss insurance refers to the loss of the insured vehicle itself caused by self-suspected disasters (excluding **) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract. 3. Liability insurance for people on board:

Referred to as "seat insurance" or "seat insurance", it is responsible for compensating for the personal injury of the person assigned to the seat of the car caused by the liability of the car, and this type of insurance is equivalent to accidental injury insurance.

The car mainly buys basic insurance and additional insurance, and the basic insurance and additional insurance are summarized as follows: basic car insurance: vehicle damage insurance and third-party liability accident insurance.

Additional car insurance: full car theft insurance, car liability insurance, glass breakage insurance, and spontaneous combustion loss insurance are voluntary insurance items for car owners. Basic Car Insurance:

Including vehicle loss insurance and third-party liability accident insurance, the insurance cost of Chunshan vehicle loss insurance is generally the vehicle, and the insurance value is determined according to the purchase of the new car. The insured amount can be determined according to the actual value at the time of insurance, or it can be determined by the insurance company through negotiation with the car owner, but the insured amount shall not exceed the insured value. The maximum compensation limit of third party liability insurance per accident is divided into five levels, and the car owner can choose to take out the insurance on a voluntary basis.

Different models of insurance premiums are used differently. Additional insurance for automobiles: In the additional insurance, it is more appropriate for small car owners to separately insure the whole car theft insurance, on-board liability insurance, spontaneous combustion loss insurance, glass breaking insurance and deductible special insurance.

For large car owners and truck owners, in addition to these additional insurances, it is also necessary to take out the cargo fall liability insurance on the vehicle, and the insurance cost is limited to the compensation limit.