What is better to buy car insurance, and what kind of car insurance is better to buy

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.

Now the insurance industry is more transparent, ** everyone is about the same.

You can buy ** car insurance, like PICC Ping An Pacific ** are almost the same, and the claims are good.

In terms of insurance, you must buy it, and you can choose the others by yourself, and the car damage is useless.

Car insurance that must be bought for new and used cars: compulsory traffic insurance.

Compulsory traffic insurance must be bought, which is clearly stipulated in the terms of the law. When renewing the insurance, the insurance company will adjust the amount of compulsory traffic insurance according to the owner's insurance record during the one-year insurance period, and the cost is about 1,000 yuan.

Commercial third-party liability insurance is a third-party liability insurance in the supplementary compulsory traffic insurance, and the policyholder often only buys the maximum insurance amount of 50,000 yuan. Insurance experts suggest that this project should try to invest 100,000 yuan in insurance.

Any car owner who drives does not dare to guarantee that there will be no accidents, and even if he does not go out, he will inevitably encounter vehicle losses caused by others or spontaneous combustion. Therefore, this money cannot be saved.

"Excluding deductible" means that even if the car owner is not at fault, the insurance company still has an insurance amount ranging from 5 to 20 that can not be paid. However, if the owner of the car has purchased deductible liability insurance, the insurance company will pay the full amount.

For a new car that has just been bought for more than a year, experts suggest that theft insurance is worth buying, because in case of an accident, if there is theft insurance, the insurance company will make relevant compensation according to the price of the car after confirmation and verification to reduce losses.

The longer the service life of second-hand cars, the risk of spontaneous combustion increases, and spontaneous combustion insurance is indispensable.

7 In summary:

It is recommended that the best combination of new car insurance is: compulsory traffic insurance (must be insured) third-party liability insurance vehicle loss insurance owner personnel liability insurance + excluding free odds insurance, and then consider whether to add theft insurance and body scratch insurance according to the actual situation.

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

1. Third-party liability insurance, that is, car insurance that bears the loss of a third party. Third party liability insurance has different insured amounts and therefore different amounts. 2. Compulsory traffic insurance, that is, compulsory insurance for motor vehicle traffic accident liability, must be purchased legally on the road.

3. Car damage insurance: Car damage insurance is to ensure that the car itself is covered by insurance. (Details are as follows)1

Third-party liability insurance, i.e., car insurance that pays for the loss of a third party. Third-party liability insurance has different coverage amounts, so the sum insured is also different. Based on the current level of the economy and the situation of luxury cars in various places, we have to buy at least a high quota to ensure that we do not need to invest in additional costs.

2. Compulsory traffic insurance, that is, compulsory insurance for motor vehicle traffic accident liability, must be purchased legally on the road. Cars without compulsory insurance are not allowed to drive on the road, and new cars are not allowed to have license plates if they are not subject to compulsory insurance. Moreover, when the car is in the annual review, it is also necessary to show a copy of the compulsory traffic insurance.

Compulsory traffic insurance is paid to a third-party victim after a car accident.

3. Car damage insurance: Car damage insurance is a type of insurance to ensure the car itself, mainly to compensate for certain losses of the car. That is, some accidental losses in the process of using the car, including traffic accident car losses, car losses caused by self-driving, and small scratches, are all compensated by car damage insurance.

Car damage insurance is to compensate for one's own car or loss, and compulsory traffic insurance does not compensate for one's own car's omission, and bears compensation for the other party or other losses. Whether it is a traffic accident between two parties or a one-sided traffic accident, the car insurance company will exempt the person responsible for the accident from repairing the car within the specified amount.

4. Deductible insurance is not included. After we have purchased car damage and third-party insurance, the car insurance company will not compensate 100% of the loss amount in the event of compensation, but will compensate 100% according to the actual repair and loss amount after purchasing the deductible insurance.

Millions of car purchase subsidies.

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. In order to protect the interests of their own property, some people will ask what kind of insurance is good to buy for car insurance?

First of all, compulsory traffic insurance is mandatory by the state, and cars without compulsory traffic insurance are not allowed to go on the road, but compulsory traffic insurance only protects the third party in traffic accidents, and does not insure car damage. Secondly, in other commercial insurance, third-party liability insurance is mainly the type of insurance that compensates other people's vehicles; Car damage insurance is mainly for compensation due to heavy rain and traffic accidents; Another is that the deductible is not counted, which can increase the amount of compensation in the event of an accident. These 4 items are generally selected when buying car insurance, and there are many others, such as scratch insurance, wading insurance, etc., and various commercial insurance types can be selectively insured according to their own circumstances.

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.

It's important to choose the right car insurance for you, as it's about the safety and financial benefits of everyday use. Here are some things to look out for when buying car insurance:

1.The purchase of the sum insured should be appropriate: the sum insured should not be too high or too low, and the choice should be made according to your actual situation.

2.Choose a regular insurance company: You can check the evaluation and compensation ability of major insurance companies through the Internet, and choose a company with good evaluation and high reputation.

3.Pay attention to the deductible: The deductible refers to a part of the expenses that you need to bear in the event of an accident, the lower the deductible, the higher the compensation amount, but at the same time, the premium will be increased accordingly.

4.Choose the type of insurance according to the age of the car: new cars can choose "full insurance", and old cars can choose "compulsory traffic insurance" and "commercial insurance" according to the actual situation.

5.Comparison**: Different companies may vary greatly, compare the ** and service content of several companies before buying, and choose the most cost-effective car insurance products.

The above are some of the things you need to pay attention to when buying car insurance, I hope it will be helpful to you.

It is relatively good to protect people and be safe.

There are two main types of car insurance, compulsory traffic insurance and commercial insurance.

Compulsory traffic insurance, the full name of which is "compulsory insurance for motor vehicle traffic accident liability", to put it bluntly, is a kind of car insurance that the state compulsorily purchases.

It's illegal to drive on the road without compulsory insurance, and you can't get your new car into the house.

The annual inspection will be seized and fined if it is found by the traffic police.

Regarding compulsory traffic insurance, remember three words: must buy!!

Since there is already compulsory traffic insurance, why buy commercial insurance.

This? Although the compulsory traffic insurance is very cost-effective, but there are two fatal shortcomings, first of all, the object of compulsory traffic insurance is the third party's personal ** and property damage, the object of compensation is limited to the third party, if your car is damaged, or the person in your car is injured, sorry, the compulsory traffic insurance is not compensated.

Secondly, the amount of compulsory traffic insurance is very low, in the same insured accident, the compulsory traffic insurance pays a maximum of 2,000 yuan for the property loss of the third party, and the excess part can only be borne by the car owner (if the car owner has purchased the third party liability insurance in the commercial insurance, the excess part will be borne by the commercial insurance company). If the person is injured, the medical expenses will be compensated up to 10,000 yuan, and if the person is unfortunately killed or disabled, the compulsory traffic insurance will compensate up to 180,000 yuan for death and disability.

Generally speaking, many veteran drivers will buy the following types of car insurance.

1.Compulsory traffic insurance. A type of car insurance that must be bought, and if you don't buy it, you can't go on the road.

2.Commercial Third Party Liability Insurance. It is recommended to set the sum insured at more than 500,000.

3.Liability insurance for people on board. It is used to compensate for the injury of people on the vehicle due to accidents.

4.Motor Vehicle Damage Insurance. A more practical type of insurance can be used to compensate for the loss of the vehicle caused by natural disasters and accidents.

5.Deductible not included.

As for other types of insurance such as body scratch insurance and wading driving insurance, you can buy it according to your own needs, which is more economical. As for the insurance company, it is recommended that you take a look at China Auto Insurance, which has a wide range of insurance types, simple and convenient insurance, and fast claim settlement.

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Dear, you are auspicious in the morning, 1, the compulsory traffic insurance in the car insurance, is a mandatory type of insurance, this is needless to say;

2. Vehicles with expired compulsory traffic insurance are not allowed on the road, and the owner must remember not to forget to buy them. In addition, the annual inspection of the vehicle should also check whether the compulsory traffic insurance is within the validity period.

3. In addition to compulsory traffic insurance, the rest are called commercial insurance, and car owners can choose by themselves.

4. Although commercial insurance is not mandatory, it doesn't matter if you don't buy anything, but for risk awareness, some types of insurance still need to be purchased.

5. The most important of these is car damage insurance. If a vehicle encounters an accident, whether it is a single-vehicle accident or a multi-vehicle accident, your own car will definitely be damaged. If you want to repair your car, you have to rely on car damage insurance. [

Another type of insurance that needs to be purchased is third party liability insurance. Although compulsory traffic insurance is also a claim for a third party, the upper limit amount is too low, and the fundamental compensation for personal injuries and property damage is insufficient. The larger the amount of third-party liability insurance, the higher the ability of the car owner to resist risks, and now the third party generally buys 1 million.

In fact, there are many other types of insurance, such as glass insurance, wading insurance, vehicle personnel insurance, theft insurance, etc., these small types of insurance are not high, and each bears different claims coverage. For example, if you often go in and out of the container truck or near the construction site, you can buy glass insurance. If the terrain of the community is low and it is easy to accumulate water, then add a wading insurance.

In order to reduce the risk of repairs borne by themselves, car owners can also choose several of them to purchase.

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