【Car owner's car knowledge]Insurance is an item that every car owner must consume after buying a car, but many car owners do not know where to start in the face of complicated car insurance items. I don't think it's worthwhile to buy all of them, and I don't feel so relieved if I don't buy them. Therefore, it is very necessary to understand the role of auto insurance and the purchase needs, so that you can save money and rest assured.
A must-buy car insurance
1. Compulsory insurance
The full name of compulsory traffic insurance is "compulsory motor vehicle traffic accident liability insurance". Mandatory liability insurance covering compensation within limits. At the same time, compulsory traffic insurance is also the first compulsory insurance system implemented by national laws in China. Therefore, compulsory traffic insurance is one of the car insurance that car owners must buy.
2. Vehicle damage insurance
Vehicle loss insurance means that the insured vehicle suffers from natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer pays compensation according to the provisions of the insurance contract.
It is worth noting that the cost of vehicle damage insurance is linked to the value of the vehicle, and the cost will vary greatly depending on the purchase price of the vehicle. For some models with a longer service life, this fee will be slightly lower.
3. Third party liability insurance
Third-party liability insurance (referred to as three-liability insurance) refers to the accident caused by the insured or his permitted driver in the process of using the insured vehicle, resulting in personal injury or property damage to a third party. The insurance company is responsible for compensation. Because the compulsory traffic insurance has lower compensation for the third party's property damage and medical expenses, you can consider purchasing third-party liability insurance as a supplement to the compulsory traffic insurance.
At the same time, if with the written consent of the insurance company, the insured incurs arbitration or litigation costs, the insurance company will compensate beyond the limit of liability, but the maximum limit does not exceed 30% of the limit of liability.
Second, can not buy car insurance
1. Theft and rescue
The insurance liability of the whole vehicle theft insurance is the loss of the vehicle caused by the theft, robbery, and robbery of the whole vehicle, as well as the damage during the theft, robbery, and robbery, or the loss of parts and accessories on the vehicle. cost. It can be seen that the insurance liability of motor vehicle theft and rescue consists of two parts: one is the loss of the insured vehicle caused by theft, robbery and robbery; the second is the reasonable expenses caused by the theft, robbery and robbery of the insured vehicle expenditure.
Because, there is a 20% deductible for theft and rescue, and the insurance company refuses to pay for the theft of the car and the theft in the manned parking lot, repair shop and other areas. Therefore, the editor suggests that the owner of a non-specially expensive new car may not purchase theft insurance.
2. Car seat liability insurance
Also called on-board personnel liability insurance or on-board liability insurance, it is an additional insurance for vehicle commercial insurance. Responsible for compensating for the casualties of the vehicle caused by the traffic accident of the insured vehicle.
The premium for this type of insurance is not high, but the amount of compensation is also relatively limited, usually 10,000-20,000 yuan. Therefore, you can choose according to your own situation. If you often carry people and do not have other personal injury insurance, you can buy this type of insurance.
3. Spontaneous combustion risk
The full name is vehicle spontaneous combustion loss insurance. It is an additional insurance type of motor vehicle loss insurance. The owner can only insure vehicle spontaneous combustion insurance on the basis of insuring motor vehicle loss insurance. The insurance amount of spontaneous combustion insurance is generally negotiated based on the actual value of the insured vehicle, and the cost is not too high. If it is a used car or a vehicle that has been running for several years, you can choose to buy it.
1-2 years old new car does not need to buy spontaneous combustion insurance, because this should be the responsibility of the manufacturer. For used cars and vehicles beyond the warranty period, it is more appropriate to choose spontaneous combustion insurance.
4. Glass breakage risk alone
That is, a commercial insurance in which the insurance company is responsible for compensating for the loss of the glass of the vehicle when the vehicle is in use. Broken glass alone means that only the windshield and window glass (excluding lights and mirror glass) of the insured vehicle are damaged.
Users who often run at high speed can choose this glass breakage insurance alone. There are many cases where small stones break the glass. For example, cracks are common, and the glass breakage insurance alone can compensate for this situation. Insurance companies usually pay for glass breakage according to the actual loss. There is no need to determine the insurance amount when applying for insurance, but it is necessary to determine whether to insure according to domestic or imported glass, so as to determine which kind of glass to be compensated for when making claims.
Third, you can buy car insurance according to the situation
1. Vehicle scratch insurance
Car owners can only insure scratch insurance on the basis of car damage insurance. The insurance liability of scratch insurance is "man-made scratches on the body of the insured vehicle caused by the malicious behavior of others".
Although this premium is not high, it is not recommended to purchase non-high-end models, as the number of reports will increase, which will increase the premium in the coming year. Second, vehicle scratch insurance is nothing more than scratches on the paint surface. If there are other accidents in the vehicle loss insurance project, sometimes they can be dealt with together.
2. Vehicle wading insurance
As the name implies, it means that vehicles drive on low-lying, stagnant roads and travel in water. It usually occurs in rainy weather, and the lack of drainage equipment leads to the low-lying sections of the road where there is water on the road.
In most cities in China, the drainage measures are not in place, which often leads to flooding after heavy rains. If this situation is often faced, then the vehicle wading insurance is necessary, after all, the owner can reduce the loss to a lower level.
Summarize:Reasonable purchase of insurance can not only save money but also guarantee the owner's loss and safety. I believe that through the explanation of this article, new car owners have a certain understanding of how to correctly purchase insurance.
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