It is a common thing to buy a car insurance for your car, but everyone has their own considerations when buying car insurance. Some people feel that they are not skilled in driving and may not be able to afford it in case of an accident, so they buy a wide range of car insurance. But there are also people who only buy one compulsory traffic insurance when buying car insurance, and don't consider anything else.
Compulsory traffic insurance is a kind of compulsory insurance. As long as you buy a car, you need to buy compulsory traffic insurance. The function of compulsory traffic insurance is a compulsory liability insurance that the insurance company will compensate within the liability limit when a traffic accident occurs on the road where the insured vehicle causes personal injury or property damage to the victim other than the death of the insured person and the person in the vehicle. Generally, the compulsory insurance fee for a private car with less than 6 seats is 950 yuan. If there is no accident in one year, the insurance premium can be reduced in the second year.
The compensation amount of compulsory traffic insurance is only tens of thousands. If you encounter a luxury car worth millions, this money is not enough to compensate. Those people who only buy compulsory traffic insurance and no other commercial insurance after buying a car, do they do so because they have no money? Insiders say the reason is a little different from what everyone thinks.
Some people only buy compulsory traffic insurance not because they are poor, but because they are very confident in their driving skills. Generally, novice drivers will choose a few more types when buying car insurance. On the contrary, experienced drivers who have been driving for several years will buy fewer types of car insurance. Because they feel that they already have experience, they are the biggest guarantee.
The other part is because I have a bias against insurance. I feel that the salesperson asked me to buy other commercial insurance just to earn more commissions, and I don’t want to be the “taken advantage of”. There are also some people who have too many cars at home, and it is too expensive to buy full insurance for each car. Car owners only buy full insurance for their commonly used cars, and only buy compulsory traffic insurance for other vehicles on the road. That's it.
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