Many friends only know that you must buy auto insurance, but they don’t know much about which protections are worth choosing and how to match them more cost-effectively. Today, Xiaobao will talk to you about car insurance through this article. The main content is as follows:
1. What are the protections for car insurance?
2, commercial auto insurance, comparison of 3 sets of solutions!
3. How to strengthen the protection for those with cars?
Part.01
The car insurance I buy every year, what should I cover?
Auto insurance that includes compulsory motor vehicle insurance and commercial insurance accounts for the majority of our car maintenance costs. Let’s take a look at their protection first.
1, compulsory traffic insurance
compulsory traffic insurance is also called compulsory traffic accident liability insurance for motor vehicles. As the name suggests, it is something that every car owner must choose. If he does not buy it, he cannot go on the road. The premium is unified nationwide. Compulsory traffic insurance can only compensate others for losses, mainly for the accident, the other party’s casualties, medical expenses and property losses, and the maintenance costs of your own vehicles, injuries to people in the car, etc., are not compensated.
Moreover, the compensation for compulsory motor vehicle insurance is calculated according to the project. Each project has a fixed compensation limit, and the part that exceeds the limit must be borne by yourself.
Refer to the table below⬇️
2, commercial auto insurance
Commercial auto insurance can be freely chosen whether to insure, and the specific insurance amount can be determined by yourself. It is recommended that everyone focus on these three types: third-party liability insurance ( hereinafter referred to as "three-party insurance"), car personnel liability insurance , car damage insurance . Xiaobao has sorted out the specific guarantees:
A brief introduction⬇️
Third party liability insurance:
It is not to protect the car owner, but compensates the third party . Third-party liability insurance is actually when you hit someone else's car, item or person. As long as it is within the scope of insurance liability, the insurance company will pay the compensation unconditionally. Of course, the amount of compensation is also based on what you filled in at that time, but since the prices of each level are similar, it is recommended that the car owner be insured to the larger amount of insurance just in case.
Car damage insurance:
After an accident or a natural disaster , you need to use car damage insurance when your vehicle needs to repair it. If you don’t buy this, if an accident occurs, it is not the other party’s full responsibility, then you have to pay for your own car repair money.
Personnel Liability Insurance on the Car:
also known as " Seat Insurance ", protect the passengers and drivers on your car, and you can choose the insurance amount by yourself. In the event of personal injury and death, you can pay a sum of money to the car owner. Among the three types of insurance types:
, it is recommended that everyone focus on "three insurance" , and you can buy 10 million insurance amount.
Part.02
Commercial auto insurance, how to choose?
Different people have different ideas about buying car insurance: some people think that it is enough to buy compulsory motor vehicle insurance; some people think that at least three insurance should be added... How to buy it specifically depends on their own situation. small insurance assumes three situations. Car owners and friends choose
1, compulsory motor vehicle insurance + three insurance
suitable for with limited budget 1, veteran driver
, annually only 1,000 yuan.
2, compulsory traffic insurance + three-part insurance + vehicle damage insurance
is suitable for novice or friends with more expensive vehicles.Whether it is an accident or a vehicle damage caused by driving against the wall, you can use vehicle damage insurance to compensate, and it won't hurt too much when repaired.
3. Compulsory traffic insurance + three-part insurance + car damage insurance + seat insurance
Friends who often drive and carry people can add a "seat insurance". However, the price of seat insurance is relatively expensive, so it is not as cost-effective to buy a driving insurance. We will introduce it in detail below.
In general, the higher the insurance amount, the more comprehensive the protection, and the more expensive the price. In addition, it is also recommended that you try to choose a company with a large number of service outlets when buying car insurance. In case of an accident, the insurance company can quickly come to the scene and quickly settle claims for with , and the experience will be better.
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