After reading this article, you will know how to buy car insurance.
After buying a car, all kinds of expenses for car maintenance come in succession, refueling, maintenance, car washing, violations, insurance, owners want to save more money without affecting the use of the situation, today I will talk to you about the role of vehicle insurance.
Traffic Compulsory Insurance
Traffic Compulsory Insurance is a legal provision, the motor vehicles on the road must be purchased, otherwise the vehicle annual review can not pass, if there is a traffic accident on the road, regardless of whether the other party is responsible or not, it is your right and responsibility. Compulsory compulsory traffic insurance has less compensation quota, the upper limit of personal injury and casualty compensation is 120,000 yuan, and the compensation quota of property loss is 2,000 yuan. For China with luxury cars everywhere at present, this quota is far from enough, so it is necessary to buy commercial insurance.
Commercial and compulsory traffic insurance are classified into several categories.
(1) Vehicle Loss Insurance
Popularly speaking, after a traffic accident, the responsible party is his own words, and he pays for the insurance of repairing his car. This must be bought. Xiaobian has a friend to save more than 1,000 yuan a year. He didn’t buy the insurance of car damage. As a result, he bumped into obstacles on the road without street lights. The repairing cost is tens of thousands of dollars, which is not worth paying. Lost.
(2) Third Party Liability Insurance
Simply put, after a traffic accident, the upper limit of compensation for the loss of the person or property paid to the other party is the amount of compensation for the purchase of insurance. Individuals suggest that more than one million people be purchased.
(3) Vehicle theft and rescue
This kind of insurance is necessary for the parking environment is more chaotic, but only the whole car stolen can be compensated, if a single part is stolen, it will no longer be compensated.
(4) Personnel Liability Insurance on Vehicles
When the party responsible for the traffic accident is on his own side, the passengers on the bus will be compensated when they are injured by accident.
There are also some additional types of commercial insurance, such as spontaneous combustion insurance, that is, automobile spontaneous combustion occurs during the insurance period, insurance companies need to pay for the type of insurance, PS (automobile manufacturers are responsible for the spontaneous combustion of unchanged vehicle lines during the warranty period, so they do not need to buy); the body scratch insurance, to compensate for the damage of paint on the car body; Glass Breakage Risk alone, compensation is only the case of damage to automobile glass; engine special loss insurance, refers to the engine failure insurance caused by vehicle wading or starting in water; excluding deductible, it means that when the insurance claims are settled, the insurance company is not 100% to compensate for all your losses. For example, the special engine loss insurance does not include a 20% deductible rate, which means that the insurance company only compensates for 80% of the maintenance cost of the engine, and you have to bear 20% of the maintenance cost yourself. Excluding the deductible rate, it means that after you purchase the additional insurance, the insurance company will also bear the non-deductible part of the designated insurance project, and you don’t need to spend a penny of your own. It is often overlooked by many people. In fact, it is a very practical additional risk.