Insurance should not implement the "use until use" principle. Completely different from other insurances, car insurance has almost no threshold for use. It can be insured for as little as 500 yuan or as big as 2 million accidents. But we need to comprehensively weigh the necessit

insurance should not implement the "use-it-all" principle.

What is completely different from other insurances is that car insurance has almost no threshold for use. It can be insured for as little as 500 yuan or as big as 2 million accidents.

But we need to comprehensively weigh the necessity of purchasing and using insurance. Some people use the principle of "buy insurance, why not use it", and insurance claims will be notified for almost any accident.

Insurance itself is a product that protects interests, and not all accidents require insurance.

There is one principle that should be implemented when it comes to insurance: whether the cost of an accident has reached a certain level, and if the cost of an accident has been very high, then it is undoubtedly most appropriate to repair it yourself.

For example, there is absolutely no need to take risks for small daily scratches.

Real case:

A Haval H6 at home was scratched on the bumper while reversing, and the fog lights were also damaged. The repair cost given by the 4S store was about 2,000 yuan.

did not choose to take risks in the end.

It is true that you can get rid of an accident once and for all. After completing the process, you can go directly to the 4S store and drive for two or three days without paying a penny. For some people, this is the purpose of buying insurance.

The reason why I didn’t choose to apply for insurance is:

First, after the accident, the premium will go up in the second year. If it is full insurance, it will increase by about 500 yuan next year. If you don’t get out of danger, the insurance will go down next year.

Secondly, after an accident, there will definitely be insurance records and 4S shop maintenance records. If you want to sell the car two years later, it will become a bargaining point for car dealers to a certain extent. Generally speaking, how much does the insurance cost? When driving the car, it will also respond to how much it is cheaper.

For me, the real meaning of insurance is to make us more calm when encountering major accidents, such as a collision or scratch between two cars, and the value of insurance will be highlighted in a real sense only after the repair amount is tens of thousands. .

After all, our annual insurance coverage is in the millions. It can indeed be used to deal with minor accidents of less than 2,000 yuan, but it is convenient and will also increase the cost in the future.

Moreover, if a minor accident of less than 2,000 yuan is handled by yourself, the cost can actually continue to drop.

For example, if the 4S store quotes a repair price of 2,000 yuan, in fact, the aftermarket can offer a price within 1,000, bypassing the insurance and handling it yourself. In addition, there will be no maintenance records from the 4S store. You can save money by replacing the car and buying insurance in the future. Get rid of more unnecessary worries.

Today, as the insurance mechanism becomes more and more mature, every motor vehicle on the road is equipped with insurance to protect every driver's property, but the reasonable use of insurance is also very important.

Generally speaking, if the cost of an accident is more than 5,000 yuan and a third party is involved, the problem must be solved through insurance. If it is just a small and insignificant problem such as a scratch on the vehicle, damage to the car glass, or a rupture of the bumper , bypassing insurance is the wisest choice.

In a word, don’t have the idea of ​​“why not use insurance if you have it?” After all, the post-process of activating insurance is quite cumbersome. It is easiest and most convenient to solve small problems by yourself.

Insurance is a high-investment maintenance item and must be used wisely.