How much insurance should I buy for a new car, and what types of insurance should I buy for new car

1. Body insurance (responsible for the repair cost of the car's accidental loss), it is recommended to purchase it at 8%.

2. Compulsory traffic insurance, if you have no choice, you must buy it.

3. Third-party liability insurance (responsible for the loss of people or property other than the car), it is recommended to purchase it at 200,000 yuan.

4. Personnel insurance on the car (injuries on the car.) Death drug expenses or compensation fees), it is recommended to purchase at 10,000 yuan.

5. Theft insurance (80% of the insured amount will be compensated for the loss caused by the theft or robbery of the car) 6. Deductible insurance is not included (this insurance is guaranteed, 100% of the car repair and the third party will be reported, and the insurance company will pay 85% if this insurance is not insured).

7. If the new car is a novice, it is recommended to buy vehicle scratch insurance, which will not be lost, and the glass alone is not recommended to be insured, it only compensates for the windshield, and other glass is broken, and the curve must be reported, spontaneous combustion insurance, no need to insure, and the new car must only burn, which can only be said to be unlucky.

1.Vehicle damage insurance (responsible for the repair cost of the accident loss of the vehicle).

2. Third party liability insurance (responsible for the loss of persons or property other than the car) 3On-board personnel insurance (injuries on the bus.) Death Medication or Compensation) 4.

Theft insurance (80% of the insured amount will be compensated for the loss caused by the theft or robbery of the car) 5Excluding deductible insurance (if you insure this insurance, the car repair and the third party will pay 100% of the compensation, and if you don't cover this insurance, the insurance company will pay 85%)

In addition, there is a separate glass breakage insurance, and vehicle scratch insurance can be selected according to your own needs (100% report).

Spontaneous combustion insurance is given free of charge by the People's Property Company, and it is responsible for it without paying a fee.

The types of insurance purchased for new car insurance are as follows

1. Compulsory traffic insurance, the full name of which is "compulsory insurance for motor vehicle traffic accident liability", this is a must to buy, if you do not go on the road with compulsory insurance, it is an illegal act.

2. Car damage insurance, car damage insurance is an insurance to compensate for vehicle losses, which is used to reduce the loss caused by damage such as car bumps, especially for new cars, this is very necessary.

3. Third-party liability insurance, in the event of an accident that causes losses to a third party, the owner can get the corresponding compensation, which belongs to the insurance paid to others in the event of an accident, which is also very necessary.

4. Car personnel insurance, when a car accident occurs, the insurance company will compensate the car owner and the passengers for medical expenses, but it is only responsible for the scope of medical insurance, and the car personnel insurance has 50,000 and 100,000.

5. When the vehicle is stolen, the insurance company will lose money according to the depreciation and then 8% off, and if the insurance does not include the deductible insurance, it can be paid according to the value of the whole car.

Summary. Hello, glad to answer for you. The types of insurance to buy for new car insurance are as follows:

1. Compulsory traffic insurance is compulsory insurance, all vehicles must be bought, in case of a traffic accident, the insurance company only compensates the party who was hit, that is to say, the conditions for compensation are limited, but if you do not buy compulsory traffic insurance, the car can not be inspected annually and cannot be driven on the road. 2. Third-party liability insurance, the third-party insurance can compensate for the part of the compulsory traffic insurance that cannot be claimed, and in case of an accident, you can also get a more reasonable amount of compensation. 3. Car damage insurance, for new cars, this is a necessary insurance with the widest scope of claims, regardless of the car has been damaged, such as collision and water soaking, you can get a claim, how to make a claim, need to be determined according to the cause of the event, loss and many other conditions.

4. Scratch insurance is a separate additional insurance, and the unilateral liability of the new car can compensate for the cost of repairing the car.

What types of insurance to buy for new car insurance.

Hello, glad to answer for you. The types of insurance to buy for new car insurance are as follows: 1. Compulsory traffic insurance is compulsory insurance, all vehicles must be bought, in case of a traffic accident, the insurance company only pays to the party who was hit, that is to say, the conditions for compensation are limited, but if you do not buy compulsory traffic insurance, the car can not be inspected annually and cannot be driven on the road.

2. Third-party liability insurance, the third-party insurance can compensate for the part of the compulsory traffic insurance that cannot be claimed, and in case of an accident, you can also get a more reasonable amount of compensation. 3. Car damage insurance, for new cars, this is a necessary insurance with the widest scope of claims, regardless of the car has been damaged, such as collision and water soaking, you can get a claim, how to make a claim, need to be determined according to the cause of the event, loss and many other conditions. 4. Scratch insurance is a separate additional insurance, and the unilateral liability of the new car can compensate for the cost of repairing the car.

The amount of vehicle insurance premium is calculated according to the type of vehicle insured, etc., and the corresponding amount is calculated according to the type of vehicle insured by the policyholder, the quality of use, and the type of insurance that needs to be insured. The composition of the vehicle loss insurance premium is: vehicle loss insurance premium = basic insurance premium + insurance amount x rate (%), and the third-party liability insurance will charge a fixed insurance premium according to the type of vehicle and the quality of the vehicle with different compensation limits.

In the automobile insurance business, motor vehicles are divided into passenger cars, trucks, trailers, tank trucks (including fuel tankers, tankers, liquid tankers, refrigerated trucks), special vehicles, motorcycles, tractors and other types, as well as domestic and imported two categories, respectively, with different insurance rates. At the same time, according to the use of vehicles, vehicles are divided into: non-operating vehicles, that is, vehicles used by government agencies, social organizations, enterprises and institutions at all levels or vehicles limited to personal and family life; Commercial vehicles refer to vehicles engaged in social transportation and charging fees.

For vehicles that have both types of use xing, the rate will be calculated according to the high-end rate. Vehicles can also be divided into four types of use, such as administrative vehicles, production vehicles, business vehicles, and rental vehicles, and different charging standards are implemented.

1.You should purchase the following insurance for your new car:1.

2.Compulsory liability insurance is generally mandatory.

3.If you don't buy compulsory traffic insurance, you won't be able to get a license; 2.Third-party liability insurance, that is, personal or property damage caused to the bus other than the driver and passengers, which is compensated by the insurance company; 3.Car Damage Insurance. Noisy for newbies, this insurance is important.

4.When your car is involved in an insured accident and a collision, you need to use car damage insurance; 4.The insurance does not take into account the stress deductible, which is also important.

The type of insurance you need to buy for a new car:

1. Compulsory traffic insurance, which is the type of insurance that must be paid according to the state.

2. Car damage insurance, car damage insurance is generally purchased for new cars, and new cars cannot avoid bumps.

3. Regardless of deductible insurance, if the car is not on the deductible insurance, after a traffic accident, there are a few responsibilities borne by the owner himself, and on the deductible insurance, all compensation is borne by the insurance company.

Extended Materials. Compulsory traffic insurance.

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

From September 19, 2020, the Guiding Opinions on the Comprehensive Reform of Motor Insurance will be officially implemented, and the total liability limit of compulsory traffic insurance will be increased from 10,000 yuan to 200,000 yuan.

Car damage insurance. Vehicle damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident while using the insured vehicle or its permitted driver.

Car damage insurance and third-party insurance are the basic insurance of vehicle insurance, which mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use! You probably think that even if the vehicle is damaged due to a natural disaster, the insurance company will pay for it! That's half true, most of the damage caused by natural disasters is compensated.

Third Party Commercial Liability Insurance.

The meaning of third-party commercial liability insurance refers to the accident that occurs in the process of using the insured vehicle by the insured or its permitted legal driver, resulting in direct damage to the third party's personal ** or property, and the insured shall bear economic responsibility and the insurance company shall be responsible for compensation according to law.

Since the introduction of compulsory liability insurance, third-party liability insurance has become an optional insurance and can be used as a supplement to compulsory liability insurance.

Third-party commercial liability insurance, also known as third-party liability insurance, in the past, the vast majority of places listed third-party liability insurance as compulsory insurance, do not buy this insurance, motor vehicles can not be licensed and can not be inspected annually.

After the introduction of compulsory motor vehicle traffic insurance (hereinafter referred to as compulsory traffic insurance), third-party liability insurance has become non-compulsory insurance. Because the compulsory liability insurance is relatively low in terms of compensation for the property damage and medical expenses of the third party, the purchase of third-party liability insurance can be considered as a supplement to the compulsory liability insurance.