Is it necessary to have insurance for a car, and is it necessary to have insurance to buy a car

It is certainly necessary to buy insurance. Insurance cannot avoid accidents, nor can it affect our birth, old age, sickness and death, but buying insurance can reduce the financial impact caused by illness and accidents, and reduce the financial burden for yourself and your family. The main types of life insurance on the market include accident insurance, medical insurance, critical illness insurance, and life insurance.

Premiums are limited to 5% to 20% of annual income.

Depending on your actual needs, insurance is actually a form of protection or risk reduction. If it is understood as a way to make a profit, its meaning has already been misinterpreted.

There are so many types of car insurance, which ones are necessary to buy and which ones are not.

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.

Hello, must-buy insurance: compulsory traffic insurance, third liability insurance, vehicle loss insurance. You don't have to buy insurance: full car theft insurance, special insurance without deductible, spontaneous combustion loss insurance, no-fault liability insurance, and glass breakage insurance.

Be sure to buy it, whether it is a new car or an old car, car accidents can happen, and once it happens, traffic accident insurance cannot cover your losses. If you hit someone, it will be more troublesome, so you need to buy commercial car insurance.

So try to buy it, just in case, and that's good for you.

Questions. Oh. Thank you.

There are two kinds of car insurance, one is compulsory insurance, which is mandatory and belongs to compulsory insurance. The other is commercial insurance, which is voluntary insurance. It is recommended to pay a certain amount of commercial insurance, even if it is a three-party insurance, mainly to be responsible for the society and yourself.

Personally, I think it must be necessary, and if you have insurance, you will be ***.

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