Here, I want to mention the types of auto insurance and the precautions for buying it: obviously, buying auto insurance doesn't cost a penny.
Auto insurance is mainly divided into two categories: compulsory insurance and commercial insurance.
1. Compulsory insurance
The compulsory insurance is purchased by the state. You can't drive on the road without buying it, and you can't buy a new car, let alone the annual inspection. If you don't mind, you will be fined and detained by the traffic police.
In fact, the cost of compulsory insurance is not expensive, generally around the first year 1000 yuan. If there is no insurance accident, the cost will be reduced in the second year.
However, it is not enough to buy compulsory insurance. The essence of compulsory insurance is third party liability insurance. The object of compensation is the personal injury and property loss of the third party. If someone in your car is injured or your car is damaged, you can't pay for it.
And the coverage of compulsory insurance is also very low. Let's take a look at the contents of compulsory insurance:
If an accident really happens, the loss may be far more than 1.22 million guaranteed by the compulsory insurance.
2. Commercial insurance
Compared with compulsory insurance, the types of commercial insurance are more and more complicated. Commercial insurance mainly consists of main insurance and additional insurance.
The main insurance mainly includes car damage insurance, third party liability insurance, vehicle personnel insurance and theft and rescue.
? Car damage insurance: it mainly covers the losses caused by traffic accidents, accidents and falling objects in the air, and is generally the highest insurance premium. Driving bumps are inevitable, and it is generally recommended to buy.
? Third party liability insurance: Like compulsory insurance, it is also paid to others. It is recommended to buy. Accidents, large and small, such as car crashes, trees, people, etc. It will inevitably happen during driving, causing personal injury or property loss to a third party. This part of the loss will be compensated by compulsory insurance and third-party insurance, and the recommended coverage is 50- 1 10,000.
? Vehicle personnel liability insurance: including drivers and passengers, the cost will not be very high. If you are a novice driver or often drive your family and friends out, you can buy it. If you have already configured a complete accident insurance, you don't have to buy it.
? Car theft rescue: mainly to prevent economic losses caused by stolen or robbed vehicles. At present, the public security in general residential areas is quite good, and the anti-theft technology of vehicles is constantly improving, so there is no need to buy it.
? There are many additional risks, including 1 1. Specifically, it includes: separate glass breakage insurance, spontaneous combustion loss insurance, new equipment loss insurance, body scratch loss insurance, engine wading loss insurance, cost compensation insurance during repair, on-board cargo liability insurance, mental damage compensation insurance, regardless of odds insurance, motor vehicle loss insurance, inability to find a third party special insurance, and designated repair shop insurance. These additional types of insurance actually vary from person to person and from car to car. Everyone should choose according to their actual needs, and there is no need to buy them all.
? For example, excluding deductible insurance, we can't find a third-party special insurance, or we suggest buying it. Non-deductible insurance refers to the part of the deductible borne by the insured after the insured accident, which can be compensated by the insurance company according to the agreed deductible rate. When the vehicle is damaged and the perpetrator can't be found, you can't find a third-party special insurance and you don't have to bear the loss yourself, otherwise you will "admit that you are unlucky."
finally
Remind everyone again that there are many auto insurance routines. I suggest you know the car insurance trap in advance to avoid into the pit: the car insurance routine reveals the secret, and the old driver teaches you not to spend money.
I hope this answer can help you ~
Source: Nanba Daily