What kind of car insurance is better, and what should I pay attention to when buying car insurance?

The most important thing to buy car insurance is service and claims, to figure out the coverage of each type of insurance, according to their actual situation to buy, not to buy the more the better, generally speaking, compulsory traffic insurance is necessary, in addition to the purchase of car damage insurance, third-party liability insurance, excluding deductible insurance to provide more comprehensive protection, other additional insurance can be purchased selectively, if the security around the home is not good, then it is necessary to buy theft insurance, if it is more than 3 years old car, it is recommended to buy spontaneous combustion insurance, If it rains a lot in your area, you can buy water insurance. In terms of car insurance, Zhong'an, PICC, and Taikang are all worth recommending, among which Zhong'an's Bao Biao car insurance has also launched the service of paying first and then repairing the car, and interest-free installment, which can be considered.

How to choose car insurance? How to match car insurance?

1. Compulsory traffic insurance, which is required by the state, must be purchased.

2. Commercial insurance, the insurance in the policy can be purchased according to the customer's own requirements, and the insurance company cannot be compulsorily purchased.

Basic insurance (commercial insurance premiums are mainly here):

1. Vehicle damage insurance, this type of insurance compensates for the loss of unilateral accident vehicles, but does not include the loss of glass breakage alone, the loss caused by parking, if the responsible person cannot be found, 30% of the loss is compensated, and the collision accident is paid according to the proportion of liability, **with the increase in vehicle purchase**, the recommended type of insurance.

If you feel that your driving skills are good and you can tolerate the amount of compensation for minor accidents, you may not choose this type of insurance in order to save money, but if a major accident occurs during the period, you will feel that it is still cost-effective to insure this type of insurance).

2. The scope of compensation is the same as that of compulsory insurance, but it must be compensated after the compulsory insurance is compensated, and the compensation is made according to the proportion of accident liability, and the premium ** corresponds to the corresponding premium according to the size of the insured amount, and the insurance type is strongly recommended (no matter what other types of insurance are not insured, but the insurance must be insured, 200,000-500,000 is recommended**, which can basically cope with the accident of the three parties).

3. The scope of compensation for on-board personnel liability insurance is literal, and the medical expenses incurred by the injury of the on-board personnel are generally about one or two hundred according to the size of the insurance, which is not recommended.

4. Theft insurance, refers to the compensation of the vehicle after the theft of the vehicle and the compensation for the damage and loss of the vehicle due to theft, and the premium changes according to the value change after multiplying the purchase price of the vehicle by the depreciation rate

PICC car insurance, pay attention to the type of insurance purchased and additional insurance.

The car insurance that must be purchased is compulsory traffic insurance, and you can also purchase other commercial car insurance such as car damage insurance and third-party liability insurance according to your needs.

Compulsory traffic insurance: Compulsory traffic insurance is compulsory insurance for motor vehicle traffic accident liability. This is the first compulsory insurance system implemented by national law in China.

Car damage insurance: Car damage insurance refers to a kind of commercial auto insurance that the insured or its prospective driver incurs damage to the insured vehicle in the event of an insured accident while using the insured vehicle, and the insurance company will compensate for it within a reasonable range.

Third party liability insurance: refers to the economic liability of the insured or his authorized driver for personal injury or property damage to a third party caused by an accident while using the insured vehicle. Indemnify.

In addition to compulsory traffic insurance, you can purchase other commercial insurance according to your own economic strength and needs.

Compulsory liability insurance is a compulsory insurance that must be purchased. Car insurance is divided into compulsory traffic insurance and commercial insurance. Compulsory liability insurance is a compulsory insurance that must be purchased.

After the accident, the injured party will be compensated, including property losses of up to 2,000 yuan, medical expenses of up to 10,000 yuan, and personnel and disability of up to 110,000 yuan. The purchase of commercial insurance should be decided according to your own situation.

The basic process of the car owner when making a claim:

1. Present the insurance documents;

2. Show the driving license;

3. Present your driver's license;

4. Present the ID card of the insured;

5. Present the insurance policy;

6. Fill in the danger report form;

7. Fill in the details of the accident;

8. Fill in the details of the reporter and the driver and the contact**;

9. Check the appearance of the vehicle, take photos and assess the damage;

10. The claims adjuster leads the owner to conduct a visual inspection of the vehicle;

11. Take photos and verify the damage according to the content of the report filled in by the car owner;

12. The claims adjuster reminds the owner of the vehicle whether there are valuables on the vehicle;

13. Deliver to the maintenance station for repair;

14. The claims adjuster issues a task order to determine the maintenance items and maintenance time;

15. The owner signs and approves;

16. The owner will hand over the vehicle to the maintenance station for maintenance.

Legal basis: Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China. These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.

Buying car insurance is not just about the company's brand, these two are both large companies, and there is not much difference. It is recommended that you should buy the right insurance according to the specific situation of the car, if it is compulsory traffic insurance and three insurance, each company is almost the same, and commercial insurance will have certain differences, depending on your specific needs. Also consider the claims service and efficiency, which can be found in Peiyuan.

I hope to help you with the collapse of the ants, the following is the propaganda selling point of Ping An and PICC.

Ping An: The country has opened fast (one day compensation within 10,000 yuan), easy (local claims can be settled if the documents are complete), and free (free rescue of non-accident roads for countless times) services.

7 24-hour car insurance claim report**95511;

Experts quickly investigate and assess the damage on site;

Nationwide compensation, local claims can be settled if the documents are complete;

Pingwu Songan promises that the car insurance liability accident within 10,000 yuan will be completed within one working day with complete information.

PICC car insurance: many discounts, good service, and fast claim settlement.

Intimate service: exclusive service of car insurance butler.

Rest assured: self-service inquiry of policy information.

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

Compulsory motor vehicle traffic liability insurance.

Compulsory traffic is a must be handed over.

Other types of commercial insurance may be subject to availability.

1. Car damage: I think it should be on it, because it is inevitable to bump and bump;

2. Three responsibilities, I think it should be on, because once you hit others, there will be a lot of expenditure, and it is not good to break;

3. Theft and rescue, if it is a new car, it is best to get on it, and now the world of Qixun is impossible!

In addition, the three responsibilities and car damage plus the deductible will be a little more secure.

Others, such as: people in the car, spontaneous combustion, scratches, glass and other insurance, I don't think it's necessary.

1. Third-party liability insurance, such insurance is actually for other people, but it is also a kind of protection for us, because once there is a traffic accident for which we are responsible, then this insurance will play a role, and I advise you to buy this insurance a little higher, because cars are very expensive, and it is inevitable that there are some luxury cars, if you accidentally collide, you may go bankrupt. 2. Excluding deductible insurance, the full name of deductible insurance is "special clause excluding deductible", which is an additional insurance of commercial insurance and cannot be insured separately. The best advantage of buying a deductible is that after an accident, the deductible amount that should be borne by the owner should be calculated according to the deductible calculated according to the terms of the main insurance that should be borne by the owner, so this type of insurance can be bought or bought.

3. Compulsory traffic insurance, like compulsory traffic insurance, which is a must-buy insurance every year, because it is mandatory by the state, so you have to buy, this does not need to be too detailed, in fact, the money lost by buying this insurance is very small, it is the most basic insurance, but you have to buy it, because you can't get on the road without buying a car, but the cost of this car insurance is not very high.

If you need a more in-depth answer, you can click the link below to receive exclusive services Hello, compulsory traffic insurance is a must to be purchased, commercial insurance, it is recommended to purchase car damage, three and the seat insurance of the people on the bus.

If you need car insurance**, you can click on the small card above, and there will be **specialist's one-on-one service for you**.

You can directly click on the card, and arrange an exclusive senior insurance consultant for you to provide you with long-term service in one minute.

The first thing after buying a car must be to buy insurance, but what kind of insurance to buy insurance is what many car owners are struggling with. Buy more and spend more, buy less is not enough, today we will talk about car insurance.

I'm on the three 100w, car damage, car seats, compulsory traffic insurance, vehicle and vessel tax, the rest is not on, and the new car has also been on the theft insurance, not counting the deductible.

1. Must buy insurance.

1. Compulsory traffic insurance.

Compulsory traffic insurance does not need to be explained too much, and you will not be able to travel on the road without buying compulsory traffic insurance.

2. Third-party liability insurance.

Third-party liability insurance, like compulsory liability insurance, is compensation for the injured third party, which is actually a supplement to the compulsory liability insurance. The payout amount of compulsory traffic insurance is limited and relatively low, with a maximum of 10,000 yuan. For third-party liability insurance, it is recommended to insure 50-1 million, and if the economic conditions are good, you can insure 1.5 million or higher.

3. Car damage insurance.

Car damage insurance is a kind of compensation for the loss of your own vehicle, and the premium of car damage insurance has a lot to do with the purchase of the car** and the number of seats. In other words, the higher the price, the higher the premium.

2. Vehicle full insurance refers to: compulsory traffic insurance + vehicle damage insurance + third-party liability insurance + deductible + vehicle personnel insurance, etc., and if conditions permit, you can also add theft insurance, glass insurance, body scratch insurance, and spontaneous combustion insurance.

1. Vehicle loss insurance: Vehicle loss insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract.

2. Third-party liability insurance: Commercial third-party liability insurance refers to the direct loss of personal or property suffered by others due to the insurer's liability accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract.

3. Whole vehicle theft rescue: responsible for compensating for the personal damage of the personnel on the vehicle and the direct damage to the goods carried on the vehicle caused by an accident.

4. Separate glass insurance: During the parking or use of the vehicle, other parts are not damaged, only the glass is broken or broken alone, and the loss of the glass is compensated by the insurance company.

5. Spontaneous combustion loss insurance: the loss of the insured vehicle due to the failure of the circuit, line, and fuel supply system of the vehicle and the combustion of the goods carried by themselves.

6. Excluding deductible special insurance: The insurance company shall be responsible for the compensation caused by the insured accident caused by the vehicle damage insurance or the third-party liability insurance for the insured in the event of vehicle damage insurance or third-party liability insurance.

7. Liability insurance for personnel on the vehicle: If the vehicle accident causes the injury of the personnel on the vehicle, the insurance company shall be responsible for compensation.

Hope it can be adopted by you!

Hello! There are two main types of auto insurance: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory for the state.

Compared with compulsory traffic insurance, commercial insurance is the car owner's choice whether to purchase or not. If you want to have more comprehensive protection for a new car, it is recommended that you choose all-risk insurance. Automobile full insurance, generally including compulsory traffic insurance, car damage insurance, third-party liability insurance, vehicle personnel liability insurance, deductible, theft insurance, etc.

The type of commercial insurance purchased is based on the actual driving environment and driving skills of your vehicle and other factors, and it is recommended that you purchase the appropriate type of commercial insurance to ensure that your interests are maximally protected.

At present, there are various ways to apply for car insurance, you can choose to go to the car insurance company to apply directly, you can also apply for insurance through the Internet, and you can also apply for car insurance through **. Generally speaking, these car insurance policies are good, but which one to choose depends on your personal choice.

In short, you need to be reminded that when choosing car insurance, you should ** what risks you may encounter, and then choose car insurance products according to your needs. The correct way to insure is that all the vehicle insurance that suits you should be insured and fully insured to ensure that you will be fully compensated by the insurance company in case of an accident.

Compulsory traffic insurance is a must. Vehicle damage insurance, commercial third party liability insurance 50w and their deductibles are basic benefits. What kind of insurance to buy needs to refer to the situation of the vehicle and the use of the vehicle.

Compulsory traffic insurance. Vehicle and vessel tax, vehicle loss insurance is fully insured (new cars can not float the price, the second year of insurance can not be reduced to 75% more than 4 times, insurance), three insurance is recommended to be 500,000, seat insurance driver seat is recommended 50,000, passenger 10,000. All types of insurance are not subject to deductible.

The glass is broken separately, the reversing mirror and the headlights are damaged separately (just safe), and the engine is wading (if you often drive in the desert, this is not used). That's pretty much what is practical.