After more than 100 years of development, the automotive industry has now become a common means of transportation, and the general development of the automotive industry has also driven the development of related industries. The significance of the existence of car insurance companies is to help car owners resist risks and solve their worries.
Compulsory traffic insurance is an insurance that the state compulsorily requires car owners to purchase, and vehicles that do not buy compulsory insurance are not allowed to drive on the road. Due to the limited amount of protection of compulsory traffic insurance, it can only pay up to 122,000 yuan, so many car owners will also buy commercial insurance after buying compulsory traffic insurance. Commercial insurance can not be bought casually, some insurance costs a lot of money, and it cannot be used once.
First, the body scratch risk.
When I bought the car, I purchased the body scratch insurance, and the body scratch insurance belongs to the additional insurance, and the cost is more than 200 yuan. When I bought body scratch insurance, I didn't think so much, just thinking that when the body had scratches, I could take insurance to repair the car without spending my own money.
In the first year of buying a car, there were indeed two scratches on the surface of the body, and when I called to report the insurance claim, I was told that the scratch insurance could only compensate up to 2,000 yuan, because I did not buy deductible insurance, the insurance company could only compensate 80%, and the owner himself needed to bear 20% of the cost.
Second, vehicle spontaneous combustion insurance.
What should I do if the vehicle accidentally spontaneously combusts during the use of the car? Many car owners will spend a few hundred dollars to buy a vehicle spontaneous combustion insurance. In fact, spontaneous combustion insurance is also an IQ tax, and the probability of spontaneous combustion of vehicles during the warranty period is very small.
During the New Year, a large number of firecrackers are set off, and some vehicles may be accidentally ignited by firecrackers, resulting in spontaneous combustion. Insurance companies will identify the vehicle, and if it is found that the spontaneous combustion of the vehicle is caused by human causes, not natural disasters and the cause of the vehicle itself, it will usually not be settled.
Third, vehicle wading insurance.
Car owners in coastal areas, worried that their vehicles will be damaged by blisters, may also spend hundreds of dollars to buy wading insurance. First of all, we should be clear that wading insurance is not in all cases will be settled, the owner can not start the engine again after the vehicle is soaked by rainwater, if the owner starts the vehicle twice, the insurance company will refuse to compensate.
Fourth, vehicle theft and rescue.
This type of insurance is mainly to prevent the vehicle from being stolen during the parking process, or other losses. Now the security situation on the mainland is getting better and better, vehicles parked on the side of the road will hardly be stolen or robbed, and car owners do not have to spend hundreds of dollars to buy this type of insurance.
Fifth, glass breakage risk.
This type of insurance specifically protects the glass of the car, if the glass cracks and broken, the owner can make insurance to make a claim. The coverage of broken glass insurance is limited, only the glass of the vehicle is covered, not other parts. And only if the glass is damaged alone, the insurance company will make a claim, hoping that the owner will think clearly.
The owner of the car to buy commercial insurance can pass the risk to the insurance company, after the vehicle accident, the insurance company to make a claim can reduce the personal burden of the owner. I hope that when you buy insurance, you will know more, some insurance types are very important, and some insurance is not useful.
Third-party liability insurance, car damage insurance, regardless of deductible insurance, car personnel insurance is a more important insurance, we are best to buy. Scratch insurance, glass break insurance, wading insurance, lamp alone damage insurance is not commonly used, the scope of protection is also limited, the owner can choose according to their actual situation, there is no need to buy all.
The pictures in this article are from the Internet, if there is infringement, please contact to delete