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

Buying a second-hand car is the same as a new car, you need to buy insurance for the vehicle. Below we summarize a few common problems when buying insurance for a second-hand car:

　　Insurance question one Blindly seek completeness, do as much as you need, and don’t do what you don’t need. Determine which insurance items to buy according to the vehicle situation and your daily use habits. Insurance question two For quasi-new cars within three years, spontaneous combustion insurance is unnecessary. Many people often choose full insurance after buying a car, and in some car use processes, many types of insurance often do not work. For example: new car spontaneous combustion insurance. Generally speaking, the probability of spontaneous combustion in a new car within three years is actually quite low, and even if spontaneous combustion occurs, the manufacturer is responsible for it, so there is no need for some quasi-new car spontaneous combustion insurance within three years. Insurance question three It is best to have more of the three insurances, which is fundamentally different from the compulsory traffic insurance. The meaning of third-party commercial liability insurance refers to accidents that occur during the use of the insured vehicle by the insurer or its permitted drivers, causing the third party to suffer personal injury or death or direct property damage. Compulsory traffic insurance is essentially to provide timely protection for victims of traffic accidents, but it is very different in terms of protection scope and protection limits. In the event of a traffic accident, compulsory traffic insurance should be responsible for compensation first, if the scope of compensation is exceeded, then third party liability insurance should be responsible for compensation. Therefore, for today's various high-end items, third-party commercial liability insurance can be increased to prevent excessive expenditure. For some other types of insurance, such as: glass insurance, reverse mirror, individual damage insurance for car lights, wading insurance, theft and rescue, etc., you can choose according to your own situation. Insurance question four Whether the insurance is transferred or not has a direct impact on the subsequent claims settlement. Before talking about the issue of insurance transfer, we can first look at an example. After Mr. Wang completed the vehicle transaction procedures, a traffic accident occurred within a few days of driving the car. Due to the complicated situation at the time, the insurance company requested the original car owner to provide relevant information when handling the claim, but the original car owner refused to help Mr. Wang with the insurance claim in time because of his busy work, and Mr. Wang’s insurance claim was being held. Insurance transfer, then there will not be so many problems later. Insurance question five Check if the insurance has expired. Insurance transfer is a problem that many people tend to ignore. After the transfer of the new car and the license, many people drive the car away directly, and did not perform the insurance transfer in the first time. If an accident occurs during the period when the insurance has not been changed, although claims can be settled according to the new insurance law, the intermediate procedures are more complicated.In addition, it should be noted that after the transfer of the vehicle, it must be checkedcarWhether the insurance expires or not, if an accident occurs after the expiration, the insurance company will not compensate, and the car owner can only pay for it. Insurance question six The risk record affects the cost of renewal. According to the "Interim Measures for the Floating Rate of Motor Vehicle Traffic Accident Liability Compulsory Insurance", two or more responsible road traffic accidents occurred in the previous year, and the compulsory insurance premium rate increased by 10%, and the responsible road traffic fatal accident occurred in the previous year , Will rise by 30%. If the vehicle did not have a responsible traffic accident in the previous year or consecutive years, the car owner will enjoy a discount ranging from 10% to 30%. Many people always pay more attention to the condition of the car when buying a second-hand car, often ignoring the car’s risk record. The former car owner’s risk record not only better reflects the car’s usage, but also directly affects the insurance cost of the current car owner. When using an old car, you can first check the insurance record of the model you want to buy. Insurance question seven Try to choose a large insurance company with more outlets. Many auto insurance companies now advertise with various discounts, and some small auto insurance companies directly attract consumers at low prices. Although we all chose the same type of insurance, in the event of an accident, the time for handling claims is not the same. Especially when going out of place, some small insurance companies have few outlets, and neither the claims settlement process nor the procedures have been perfected by large insurance companies. It is also worth mentioning that the rescue provided by some large insurance companies is also better than some small insurance companies, such as rescue services, network coverage, arrival time and so on.