What kinds of car insurance must be bought?
What kinds of car insurance must be bought? Knowledge of car insurance purchase
The peak period for auto insurance renewals and purchases is approaching. With so many types of insurance on the market now, what type of insurance should we buy? Let’s briefly summarize what kind of insurance we buy together.
According to the analysis of relevant professionals, compulsory traffic insurance that is not allowed to be purchased when purchasing self-driving insurance is a kind of insurance that must be purchased following the official regulations of our country. Other types of commercial insurance are voluntarily purchased by owners and friends according to the actual situation. So what kind of car insurance should we buy?
Generally speaking, vehicle loss insurance, third-party liability insurance, countless deductible insurances, and theft and rescue of the entire vehicle in the corresponding commercial insurance are the best types of insurance and play a very important role for car owners.
What kind of car insurance should I buy?
First, vehicle loss insurance can provide car protection from a wider range. Compensation is mainly based on the following situations:
1. The car has other collisions and rollovers in the accident.
2. The car had a natural boy and an explosion accident.
3. Accidentally smashed by external objects, or suffered losses during the normal driving of the car.
4. Due to natural disasters, such as earthquakes, etc., the vehicle has suffered certain losses, etc. If the above-mentioned situation occurs, the car owner can apply for a claim from the insurance company according to the process. In addition, if the insured takes the corresponding measures to prevent the further expansion of the accident when the accident occurs, the corresponding loss can also be compensated by the insurance company.
Combining the above aspects vehicle damage insurance is still very necessary, especially for those friends who often go out, this car damage insurance is a good choice.
Second, the third-party liability insurance of auto insurance should also be purchased as much as possible. The coverage of third-party liability insurance is relatively large. The majority of drivers and friends can include their actual driving experience and their own according to their actual situation. The driving skills and the ideas of your supervisors can be reasonably insured.
Third, it is necessary to purchase the car theft and rescue the car according to local conditions. Now the security of many communities is not very good, and there is no fixed parking space of their own. And those common models that are more likely to be lost must also be purchased for theft and rescue. In this way, once there is a problem with your car due to being stolen or robbed, the insurance company can make compensation so that the owner’s loss can be minimized.
Fourth, most car owners don’t care what the exemption is. Young new drivers, in particular, should be given special consideration regardless of tax-exempt coverage, as the probability of a new driver in a variety of situations is high.
What do I need to buy car insurance? Blindly saving money is worse than choosing appropriately
4S stores generally recommend that new car owners buy “full insurance”, but full insurance does not mean full insurance, should you buy spontaneous combustion insurance? Buy insurance in the second year, and enjoy discounts according to the accident situation, but phone insurance seems to be cheaper, should it be renewed or replaced? The car has already begun to depreciate in the third year. What problems should I pay attention to when buying insurance at this time?
“Full insurance does not mean full insurance”, many car owners may not know this truth. In general, all-inclusive insurance includes 15 and 16 types of insurance, but most of the all-insurance provided by 4S stores includes 8 types of insurance, namely traffic compulsory insurance, vehicle loss insurance, excluding deductible insurance, third-party liability insurance, and vehicle insurance. Personnel liability insurance, full car theft and rescue, scratch insurance, and separate glass breakage insurance. In fact, except for compulsory insurance, the other 7 types of commercial insurance are optional.
Some types of insurance can be saved, some are not. A must-buy regardless of the deductible. This type of insurance is a combination of auto damage insurance and commercial third-party insurance. If you do not take this insurance, in the event of an accident, the insurance company will have a certain deductible. Generally unilateral accident or take full responsibility in the accident, you have to bear 20%. Regardless of whether you are a novice or a veteran, it is best to buy car damage insurance and three-way insurance at the same time.
There are many types of car insurance. For friends who have just bought a car, or even friends who have been driving for several years, they do not know much about what car insurance must buy? Which auto insurance is suitable for you? Is the type of auto insurance you bought enough to protect you or is it too wasteful? The following auto insurance alliance will sort out what you must buy for auto insurance? Car owners understand the types and coverage of car insurance and can determine which insurance they need to buy according to their circumstances.
What do I need to buy car insurance? According to the advice of senior auto insurance experts, the best protection plan is compulsory traffic insurance + third party liability insurance + vehicle personnel liability insurance + vehicle damage insurance + theft and rescue + no deductible special contract + separate glass breakage insurance + scratch insurance.
Regardless of whether it is a new car, an old car, or a novice or a veteran, what do you have to buy for auto insurance? The first is insurance. Compulsory traffic insurance is compulsory insurance that must be purchased. It mainly provides On timely and basic protection for casualties and property losses caused by traffic accidents. In addition, if the economy is not very wealthy or the car owner with low vehicle value, you can only choose third-party liability insurance, which provides the lowest protection. On timely the basis of the above-mentioned third-party liability insurance and compulsory traffic insurance, vehicle loss insurance is added. This is a common combination, which can guarantee the loss of oneself and the other party’s vehicle. Vehicle loss insurance, third-party liability insurance, and theft and rescue are the basic insurances, and on this basis, the additional insurance that does not include deductibles is added. It is the choice of most people at present, which can reduce the risk of vehicle loss to a very low level. If your car does not have an independent garage, and it is often parked on the side of the road, the glass may be easily smashed. It is recommended to purchase separate glass breakage insurance. If there is an independent garage, or if the parking is safer, you may not need to buy it. A special reminder here is that in the first year of a new car or a novice, it is easy to scratch and other minor accidents, and it is recommended to purchase scratch insurance.
Senior car owners suggest that you should choose car insurance as carefully as when you buy a car, and shop around, but this is not for consumers to choose the cheapest car insurance to buy, the reputation of the insurance company, after-sales service, and the reaction after the accident. Comprehensive strengths such as speed should be taken into consideration. In summary, what should car insurance buy? In addition to the compulsory traffic insurance stipulated by the state, car owners can choose the most suitable insurance type based on their actual situation, which is both economical and comprehensive.
For high-end and luxury car owners, it is recommended to purchase separate glass breakage insurance for the first four or five years. If you don’t take this insurance, you can’t get compensation for the broken glass alone, and 4S shops have very high prices for glass accessories for such cars, and car owners will be more troubled when they encounter this situation. Scratch insurance can also be purchased by car owners depending on the parking lot. Taking a BMW car as an example, the cost of repainting a scratch may be one or two thousand yuan, while the insurance premium is only 100-200 yuan. Recommended for car owners who park frequently in unattended locations.