What should be paid attention to in second-hand car insurance

If we blindly pursue perfection, we should be more superior and redundant. Determine which insurance items to purchase according to the condition of the vehicle and daily use habits.

The insurance issue is the quasi-new car in two to three years. No spontaneous combustion insurance is required. Many people tend to choose full insurance after buying a car, but in the process of using a car, many types of insurance often do not work. For example: new car spontaneous combustion insurance. Generally speaking, the probability of spontaneous combustion of a new car within three years is quite low. Even if spontaneous combustion occurs, the manufacturer is responsible. Therefore, some quasi-new cars do not have spontaneous combustion insurance within three years.

It is best to buy more insurances for the three types of insurance, which is essentially different from traffic accident insurance.

The meaning of third-party commercial liability insurance is that the insurer or driver is allowed to use the insured vehicle during the accident, causing personal injury or direct property damage to the third party. Compulsory traffic insurance essentially provides timely protection for victims of traffic accidents, but there are big differences in the scope of protection and the limits of protection. In the event of a traffic accident, compulsory traffic insurance shall be liable for compensation. If the scope of compensation is exceeded, third party liability insurance shall be liable for compensation. So for today's high-end projects, third-party commercial liability insurance can be more to prevent excessive expenditures. For some other types of insurance, such as glass insurance, reverse mirror insurance, light damage insurance, wading insurance, and theft and rescue, you can choose according to your own situation.

Whether the insurance is transferred or not will directly affect the subsequent claims.

Before we discuss the issue of insurance transfer, let us give an example. After Mr. Wang went through the vehicle transaction procedures, a traffic accident occurred within a few days of driving. Due to the complicated situation at the time, the insurance company asked the original car owner to assist in providing relevant information when settling the claim, but the original owner refused to help Mr. Wang settle the claim in time because of his busy work. Mr. Wang's insurance claim form is on the back. If the insurance was directly transferred at the beginning, there would not be so many problems later. This is a problem.

Check whether the insurance has expired.

Insurance transfer is a problem that many people easily overlook. After the new car is registered, many people drive directly without changing insurance at the first time. If the accident occurs during the period when the insurance has not been changed, although the claim can be resolved under the new insurance law, the intermediate procedures are more complicated. In addition, it should be noted that after the transfer of the vehicle ownership, it is necessary to check whether the auto insurance has expired. If an accident occurs after the expiration of the period, the insurance company will not compensate, and the car owner can only compensate himself.

The risk record affects the cost of updating.

According to the "Interim Measures for the Floating of Compulsory Insurance Rates for Motor Vehicle Traffic Accident Liability", there were more than 2 road traffic accidents in the previous year, the mandatory insurance rate increased by 10%, and the fatal accident rate increased by 10%. The responsible road traffic volume in the previous year accounted for 30%. If there are no responsible traffic accidents in the last year or consecutive years, car owners can enjoy a discount of 10%-30%.Many people always pay more attention to the condition of used cars, and often ignorecarInsurance records. The insurance record of the previous car owner not only better reflects the usage of the car, but also directly affects the insurance cost of the current car owner. So when buying a second-hand car, you can first check the insurance record of the model you want to buy.

Choose as many large insurance companies as possible.

Nowadays, many auto insurance companies have various preferential advertisements, and some small auto insurance companies also directly attract consumers with low prices. Although we all choose the same insurance, in case of an accident, the time for settlement of claims is different.Especially in the insurance sector