There are many types of car insurance for beginners, so how to choose

Although novices will definitely be cautious on the road, the proportion of new drivers causing accidents has increased significantly every year due to the lack of experience in dealing with the situation. Therefore, it is recommended that novices get on the road and buy a few more types of insurance to help themselves.

Compulsory traffic insurance is a statutory type of insurance, so it must be purchased. In addition to compulsory traffic insurance, the basic types of insurance that novices should buy are vehicle loss insurance and third-party liability insurance, of which vehicle loss insurance is to ensure that their vehicle can obtain sufficient compensation in the event of an accident, and third-party liability insurance is to obtain insurance compensation for third-party property losses and personal losses caused by their own liability in the event of an accident. The amount of third-party liability insurance can be selected according to the owner's own driving habits and risk tolerance, and the general insurance amount of the car owner is in the range of 200,000 to 500,000 yuan.

Experts from PICC P&C Shanghai Branch said that with the continuous improvement of urban living standards, the rising standard of personal compensation, and the frequent occurrence of luxury car collisions, third-party liability insurance is the most important for novices on the road, and it is recommended to purchase more than 500,000 or 500,000 yuan.

After purchasing vehicle damage insurance and third party liability insurance, car owners should not forget to purchase special insurance without deductible. According to the provisions of the insurance contract, if there is no additional purchase of such insurance, then in each claim, the insurance company will deduct the deductible and the deductible will be paid again, which is inconvenient and unscientific for novice drivers who frequently have accidents but have a small amount of claims.

In addition, for new drivers who like to often take the whole family on trips or take colleagues and friends to and from work, on-board personnel accident insurance is particularly important, and car owners can purchase driver accident insurance and on-board personnel accident insurance for risk avoidance; If the vehicle is going to go to other places frequently, especially in some remote areas, it is best for the owner to purchase a vehicle theft insurance and luggage insurance; If you are in a neighborhood where people and cars often encounter scratches, you can buy a scratch insurance. Of course, insurance is a low-probability event, any kind of risk may occur, if consumers are extremely risk-averse, then, glass breakage insurance, vehicle spontaneous combustion insurance, engine water insurance, etc., can be fully insured.

With the continuous improvement of urban living standards, the rising standard of personal compensation, and the frequent occurrence of luxury car collisions, novices on the road, third-party liability insurance is the most important, and it is recommended to purchase more than 500,000 or 500,000 yuan.

Compulsory traffic insurance is a statutory type of insurance, and vehicle loss insurance is to ensure that you can get sufficient compensation when your vehicle is damaged in an accident

Generally, you have statutory car insurance. Many routines like to cherish their own cars, so they buy more car insurance.

Although novices will definitely be cautious on the road, because of the lack of experience in dealing with emergencies, the proportion of new drivers causing accidents is increasing significantly every year.

The third-party liability insurance is to obtain insurance compensation for the property damage and personal loss of the third party caused by its own responsibility in the event of an accident.

Compulsory traffic insurance is a statutory type of insurance, so it must be purchased. In addition to compulsory traffic insurance, the basic types of insurance that novices should buy are vehicle loss insurance and third-party liability insurance.

For novices, third-party liability insurance is the most important, and it is recommended to purchase an amount of 500,000 yuan or more than 500,000 yuan.

Buying a suitable insurance for a new car owner is something that every car owner needs to consider when driving home. But as a novice driver, how to clear the clouds and choose a suitable car insurance among Ping An, Life, Dadi, Sunshine, PICC, Taikang, Xinhua and even some insurance companies that I have never heard of?

So, among the many types of car insurance such as car damage, theft, spontaneous combustion, scratches, glass, three, forcible traffic, no deductible, no fault liability, car personnel insurance, and 4S shop repair insurance, how should novice drivers choose?

1. New drivers: new cars + economy cars

Introduce the plan: commercial three liability insurance (higher) + car damage insurance + vehicle personnel liability insurance + deductible insurance.

Reason: The driving skills are unfamiliar, the value of the vehicle itself is low-end, you can choose a higher third-party liability insurance, as well as car insurance personnel liability insurance and other more comprehensive protection.

2. New drivers: old cars + economy cars

Introduction plan: Tanlu commercial three liability insurance (local average) + car damage insurance + vehicle personnel liability insurance + spontaneous combustion insurance + deductible.

Reason: The driving skills are rusty, the cost of vehicle wear and tear is medium, and based on the use of old cars, cars that are more than eight years old can consider the protection of spontaneous combustion insurance.

3. New drivers: new cars + mid-to-high-end cars

Introduction plan: commercial three liability insurance (local average) + car damage insurance + vehicle personnel liability insurance + theft insurance + no third-party special insurance + no deductible.

Reason: The driving skills are relatively unfamiliar, and you need to choose a higher-grade third-party liability insurance, if there is more outdoor parking, you can also match the inability to find a third-party special insurance, theft insurance, glass breakage insurance, etc.

4. New drivers: old cars + mid-to-high-end cars

Introduction plan: commercial three liability insurance (local average) + car damage insurance + vehicle personnel liability insurance + theft insurance + no deductible.

Reason: The driving skills are unfamiliar, the cost of vehicle wear and tear is high, although it is a high-end old car, but it is still necessary to choose motor vehicle loss insurance, third-party liability insurance, and the liability insurance of the personnel on the stool.

Car accidents are fiercer than tigers, driving on the road, carrying everyone's lives, therefore, as a novice driver, whether in driving skills or psychological quality, there can be no slack. Even if the vehicle is out of danger, don't panic, first detect whether there are people**, then report to the traffic police department, and report to the insurance company within 48 hours, notify the investigators to come to investigate, to confirm whether the accident is true, and try to use the mobile phone to shoot the scene ** as evidence. Finally, I would like to remind you that if the vehicle is scratched very lightly, or you can't see it at all, it is recommended that you repair it yourself, because if you have an insurance, the next compensation will be less and the premium will increase.

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Introduction: When buying a car, there are usually many types of insurance for people to choose, but not every one of them is suitable for themselves, only by choosing the right insurance can they ensure that they can get the right claim if there is no accident in the case of not spending money in vain, so how to choose the right type of insurance according to their needs?

Compulsory traffic insurance, this is the insurance that all motor vehicles must pay when they are purchasedMoreover, the payment of compulsory traffic insurance is mandatory, and the fee paid is not high, and the amount of reimbursement is not high. Moreover, the compulsory traffic insurance protects the safety of others, that is to say, when the compulsory traffic insurance is reimbursed, it cannot be reimbursed for yourself, but to reimburse the other party in the accident. Whether you want to buy this compulsory traffic insurance or not, the amount is good, so everyone can afford it.

Car damage insurance is a commercial insurance, and the reimbursement of car damage insurance is for yourself. That is to say, if the car is damaged in an accident, such as engine damage, damage to the door, or damage to your car in a traffic accident, you can take car damage insurance in such a situation. And because it is a commercial insurance, there are more options for car damage insurance.

In general, it is recommended to purchase car damage insurance, which can protect the safety of your car. However, whether it is car insurance or compulsory traffic insurance, if there is a traffic accident or a claim, then the cost will be increased when the insurance is renewed for the second time.

If you are driving a car or are worried that you will affect other people during driving, you can also buy a third-party liability insurance, which mainly means that if some people are involved in a traffic accident for no reason, then this third-party liability insurance can help you make a claim.

First of all, you have to look at some places you usually go in, and you also have to see whether your car is expensive. You should also look at the price of the car in your community, and then make the most correct choice based on some actual conditions.

First of all, the insurance that must be purchased is compulsory traffic insurance, and secondly, you should choose car insurance according to your actual economic conditions, and the more recommended insurance is third-party liability insurance, wading insurance, car damage insurance, and car personnel liability insurance.

At this time, it should be based on the individual's car model, but also according to the individual's income capacity and economic ability, and then choose a suitable insurance, and should also go to a professional car insurance company for consultation, be sure to pay attention to the content of the contract, must pay attention to the cost performance.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

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.

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We all know that we need to buy insurance after buying a car, but there are many types of car insurance, which ones should you buy? Is it necessary to buy full insurance, today I will explain it to you one by one.

Compulsory traffic insurance and vehicle and vessel tax are mandatory and must be underwritten by the state, and it is recommended to cover three types of family cars, car damage insurance, unable to find a third party, and a scratch insurance can be added if it is a new car.

The most important insurance for a new car should be: vehicle loss insurance, third-party liability insurance of 100,000 is about the same, glass breakage insurance alone, excluding deductible insurance, scratch insurance, theft insurance, compulsory traffic insurance, in addition to the vehicle and vessel use tax, the new car should go to the local taxation bureau where the household registration is located, and the late fee will be fined when the insurance is not paid in the second year.

It's best to buy all of your new car in the first year. Traffic, car damage, robbery, theft, glass scratches, spontaneous combustion.

If chosen, the robber spontaneous combustion can be compared to not buying. It also depends on your local security and road conditions.

1. Basic insurance, vehicle loss insuranceIn motor vehicle insurance, vehicle loss insurance and third-party liability insurance constitute its main insurance, and with the cooperation of a number of additional insurances, it jointly provides insurance customers with multi-faceted risk protection services. The subject of vehicle loss insurance is the body of various motor vehicles and their parts and equipment.

2. Third party liability insurance: Motor vehicle third party liability insurance is an insurance that covers the risk of damage claims of third parties caused by accidents caused by accidents when the insured or its permitted qualified drivers use the insured vehicle. Since the main purpose of third party liability insurance is to protect the safety and interests of the public, it is usually used as statutory insurance and is mandatory in practice.

3. Additional insuranceThe additional insurance of motor vehicles is an important part of motor vehicle insurance. From the perspective of China's current motor vehicle insurance terms, there are mainly additional theft insurance, additional spontaneous combustion loss insurance, additional new equipment loss insurance, additional deductible special insurance, additional driver accident injury insurance, additional passenger accident liability insurance, etc., insurance customers can choose additional insurance according to their own needs.

After the car insurance reform, it is actually very simple, and you can buy the three main types of insurance, car damage, and the three are not counted as deductible insurance. In general, this is enough. Especially for the three types of insurance, it is best to keep the amount not less than 1 million. Other types of insurance can be purchased according to your own situation.