In recent years, my country's automobile industry has developed rapidly, but the incidence of traffic accidents has also increased year by year. Vehicle insurance becomes very important after a traffic accident occurs, especially for commercial vehicles. Due to people's fixed thinking, when they see a truck involved in a traffic accident, they preconceptionally think that the truck is overloaded, which in turn causes the traffic accident. So today we will talk about buying insurance for trucks. 1. Selection of the nature of vehicle use. The picture above shows the compulsory traffic insurance policy of a certain vehicle. You can see that its registered account name is a company in Xiangyang, and its vehicle use nature is "non-operating truck". Then this vehicle will be registered as registered owner. After that, it can only be used by the company, and the goods pulled are the goods owned by the company. It does not produce any profit-making activities, it is just used as a transportation device. When the registered account is an individual, you can choose the operating or non-operating nature of the vehicle insurance. At this time, you have to consider it carefully. If you buy a car and plan to make money by running freight logistics or selling vegetables and fruits, then your best choice is It is better to buy operational insurance because you are using your car to engage in operational activities and make profits. When you buy a car for your own use only, such as the fish pond contracted by your family, the vegetables you grow, etc. If you need to use the car, you can buy non-operational insurance because it is for your own use. Some users may say that I buy non-commercial insurance to transport freight, but after the accident, I will say that the car is my own, and it is all my own goods. In this case, there is no problem with a small amount of compensation, and insurance companies generally will not delve into it. However, if an insurance company files a ca
In recent years, my country's automobile industry has developed rapidly, but the incidence of traffic accidents has also increased year by year. Vehicle insurance becomes very important after a traffic accident occurs, especially for commercial vehicles. Due to people's fixed thinking, when they see a truck involved in a traffic accident, they preconceptionally think that the truck is overloaded, which in turn causes the traffic accident. So today we will talk about buying insurance for trucks. 1. Selection of the nature of vehicle use. The picture above shows the compulsory traffic insurance policy of a certain vehicle. You can see that its registered account name is a company in Xiangyang, and its vehicle use nature is "non-operating truck". Then this vehicle will be registered as registered owner. After that, it can only be used by the company, and the goods pulled are the goods owned by the company. It does not produce any profit-making activities, it is just used as a transportation device. When the registered account is an individual, you can choose the operating or non-operating nature of the vehicle insurance. At this time, you have to consider it carefully. If you buy a car and plan to make money by running freight logistics or selling vegetables and fruits, then your best choice is It is better to buy operational insurance because you are using your car to engage in operational activities and make profits. When you buy a car for your own use only, such as the fish pond contracted by your family, the vegetables you grow, etc. If you need to use the car, you can buy non-operational insurance because it is for your own use. Some users may say that I buy non-commercial insurance to transport freight, but after the accident, I will say that the car is my own, and it is all my own goods. In this case, there is no problem with a small amount of compensation, and insurance companies generally will not delve into it. However, if an insurance company files a case for investigation after a major traffic accident is involved, and if it is discovered that the non-operational insurance purchased is engaged in freight activities, the insurance company will directly refuse compensation on this basis. 2. Choosing commercial insurance: How to buy commercial insurance and what types of insurance should you buy? Many driver friends are confused. In fact, it is very simple. I will introduce you to a few more practical insurance types. 1. Third party liability insurance. This insurance is a type of insurance that is used to help compensate the other party if one is responsible for the accident. The insurance amount starts from 10,000 with no cap. Generally, our freight vehicles only need to buy a third party for 1 million. 2. Vehicle damage insurance. Vehicle damage insurance is a type of insurance that you are responsible for after an accident. If your vehicle is damaged, you will be compensated for the cost of repairs. If you buy vehicle damage insurance, you will not have to pay for vehicle repairs after an accident. 3. Insurance for people on the vehicle. Vehicle occupants insurance is an insurance that covers the medical expenses of injuries to people on board the vehicle at the time, provided that the number of people on board cannot exceed the capacity. Its insured amount also starts at 10,000, with no cap. It is generally recommended that the driver buy an insurance coverage of 100,000 yuan, and the passenger insurance coverage of 50,000 yuan is enough. 4. Excluding deductible insurance. Excluding deductibles is also called zero deductibles. It is applicable to every commercial insurance and can be purchased individually or together. For example, you can only buy third-party insurance without deductibles, and other expenses such as car damage and car occupants do not need to be purchased. You can also buy all commercial insurance without deductibles. Others are like theft insurance. If you buy the car with a loan, some companies must buy it. If you buy the car with full payment, there is no need to buy this insurance. There are other insurances such as spontaneous combustion insurance, water insurance, glass insurance, etc. Thank you, it is generally not recommended to buy new cars, as it does not have much practical significance. If you buy glass insurance, the premium will cost two to three hundred yuan. A piece of glass for a truck only costs three to four hundred yuan. If you have insurance, it will also take up your number of appearances, which is not cost-effective. Conclusion: In fact, the types of insurance are far more than the ones mentioned above. These are the most commonly used types of insurance. I hope it can give some help to driver friends.
