With the improvement of people’s insurance awareness, it is generally recognized that it is necessary to insure car insurance for car owners with car love. However, car owners do not necessarily know which kinds of insurance must be purchased and which ones are not worth purchasing for a wide variety of car insurance projects. Here’s a short edition to tell you.
Must buy insurance: Traffic Compulsory Insurance
This kind of insurance must be purchased when the new car is licensed. It is also a kind of insurance that the state compulsively requires to purchase. The cost of the first year is 950 yuan, and it will fluctuate year by year according to whether there is an accident or not. Because this kind of insurance is the most basic automobile insurance, the guarantee compensation is quite low. On the premise that the insured motor vehicle is liable, the maximum compensation limit for death and disability is 110,000 yuan, the compensation for medical expenses is 10,000 yuan, and the compensation for property is only 2,000 yuan. Therefore, in order to save the premium, it is not enough to buy a compulsory traffic insurance. Once the insurance is out, the compensation can be very limited. Not only will it save money, but even cars may be scrapped.
Recommendation of car insurance purchase scheme
Scheme 1. The insurance combination is the third party liability insurance. Its scope of protection is limited to compensation for the loss of the third party. It is suitable for individual owners who are eager to license and need to pass the annual inspection quickly. Its characteristics are that it is suitable for some owners who think that insurance has no practical effect, or those who are lucky and need to be licensed. The point of this insurance method is that it can be used to deal with the inspection, but if there is a traffic accident, the car can not be compensated.
Plan 2. Loss insurance should be coordinated with third party liability insurance. This combination only insures the basic insurance, but does not include other additional insurance. This kind of insurance combination is suitable for some owners who are in relative danger of driving. This kind of insurance can guarantee their own and other people’s personal and property in the event of traffic accidents. However, this kind of collocation is very necessary, but the cost-effective ratio is relatively low, for owners with certain economic strength can consider buying.
Plan 3: To insure four most necessary automobile insurance, namely, loss insurance, third party liability insurance, non-compensatory special insurance and vehicle theft and rescue. These four kinds of insurance are the most valuable ones with relatively high cost performance. They are relatively reasonable insurance methods for individual owners, but they are not perfect enough to throw away.
The fourth scheme is to add liability insurance and windshield insurance on the basis of the third one. This combination mode takes into account the parts of passengers and cars that are easy to wear out. Whether for the company or the individual, it is a reasonable way to insure the value, but not to spend money wrongly. It can be said that it is worth the money. It is one of the most reasonable ways of car insurance at present.
Plan 5. For some novice car owners, in order to ensure their personal and property safety and other people’s personal and property safety, it is proposed to adopt full insurance. The advantage of this insurance method is that in the event of traffic accidents, the insured can get almost all the compensation, but the cost of this insurance method is higher, only for some large enterprises. Industrial organs and units are more suitable.
It is worth noting that when buying automobile insurance, we should not blindly draw cheap pictures. We should know that insurance is used to transfer risks for us. Once we get out of the insurance, we can avoid large economic losses. Therefore, we suggest that we should think rationally when buying automobile insurance.