Motor vehicle third-party liability insurance is referred to as third-party liability insurance. It means that an accident occurs when the insured or its permitted driver uses the insured vehicle, causing a third party to suffer personal injury or death or direct property damage. According to the law, The insurance company is responsible for compensation for the financial responsibility that should be borne by the insured.
Four suggestions for car owners to buy car insurance
1. You must buy compulsory traffic insurance! Because this is a type of insurance required by law, any vehicle on the road needs to be insured, otherwise it will not pass the annual inspection and may be investigated and punished by the traffic police department.
2. Try to buy as much insurance as possible for the third party insurance. Donāt be cheap, because the third party insurance covers the compensation provided when the vehicle causes damage to a third party. This is also the last āline of defenseā and should be reinforced as much as possible. This also reflects the social governance function of insurance.
3. Pay more attention to the service quality of insurance companies. When buying car insurance, it is important to have a cheap price, but it is not reasonable to look too much at the price. Car insurance is a financial service, and the service itself forms part of the price. It is recommended that you consider it comprehensively when purchasing car insurance.
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4. Only by developing good driving habits can have fewer accidents, lower risks, pay less premiums, and at the same time, have less negative impact on society and others. This is also the proper meaning of insurance to help a better life.
Four questions that car owners have when buying three-party insurance
1. How much is the appropriate amount of three-party insurance?
Compulsory vehicle insurance only protects the most basic needs of car owners. According to the latest statistics, the current cumulative death compensation for urban residents is as high as 2.11 million yuan, and third party insurance products with low insurance coverage cannot cover such risks. At the same time, as people's consumption levels continue to improve, auto insurance and third-party insurance products of RMB 3 million and above in first- and second-tier cities can more effectively reduce the risks and losses caused by accidents to car owners and protect you. More than 2 million in third- and fourth-tier cities. After the urban and rural has the same life and the same price , it is recommended to buy more than 3 million.
2. What are the differences in the premiums corresponding to the insurance amounts of different commercial third party insurances?
With the comprehensive rollout and implementation of the comprehensive reform of auto insurance, the insurance coverage rate of triple insurance with high insurance coverage has gradually increased. After the comprehensive reform, the premiums of three-person insurance have dropped significantly, and the insured amount has increased significantly.
For example: For a vehicle purchased in 2019, the customer is in danger once every two years. Based on the three-party insurance coverage of 1 million yuan, the corresponding premium is 685 yuan. The insurance amount of the car owner's third party insurance is increased to 2 million, and the corresponding premium is 837 yuan, which is only 152 yuan more.
3. There is no need to increase the insurance amount of the three insurances. The coverage will be based on the corresponding plan of the previous year (the three insurances are less than 1.5 million).
In the actual process of using a car, it still happens that customers bear the excess compensation due to insufficient three-party insurance coverage. Consumers should fully consider the city they actually live in and their personal driving habits to buy themselves a car. A comprehensive auto insurance product.
4. The vehicle is parked for a long time and the frequency of use is low, so there is no need for high-insurance products.
Vehicle commercial insurance protects accidents. The risks caused by accidents cannot be ignored just because the vehicle is used infrequently. Once an accident occurs, the consequences will be disastrous. For vehicles that are used less frequently, third-party insurance products with sufficient coverage are also a must-have for car owners when traveling.
