With the continuous popularization of cars, there are more and more vehicles on the road, and traffic accidents may occur if you are not careful. The incidence of car accidents is now several times higher than it was a few years ago, and the loss of vehicles has also become higher. Therefore, many car owners have formed a sense that no matter whether their cars are expensive or not, car insurance must be bought higher, otherwise it will be miserable to encounter luxury cars.
Wuling Hongguang is the cheapest type of car in China, and its price is only 30,000 or 40,000 yuan. In everyone's mind, the owners of Wuling Hongguang are ordinary people, and they may not be able to afford to lose when they hit a luxury car. But there was also a van crash on the streets of Guangdong, and when everyone was worried about the owner, the owner of the van sat on the side and smoked a cigarette leisurely.
According to the onlookers, the owner of the Rolls-Royce belongs to the normal straight, the van drove out from the door of a nearby store, may not pay attention to the situation on the side of the road, and hit the Rolls-Royce. After the accident, the owners of both cars got out of the car and called the police.
Because the van hit rolls-Royce, this kind of accident is still rare, and many passers-by have gathered around afterwards, and everyone has talked about the responsibility for the accident. Some people are very worried about the owner of the van, because the main responsibility for the accident is on him, he will definitely have to bear the repair costs of Rolls-Royce, in case the cost is too high the owner may not be able to afford to pay.
However, what was surprising was that after calling the police and calling the insurance company, the owner of the van calmly sat down on the side of the road. When some citizens saw him, they asked him, how can you be so calm? The owner of the car did not hesitate to explain: it is okay, can afford to lose, do not believe you look at the back of the car of the paper.
The public half-believed to go over and take a look, found that the rear windshield of the vehicle was pasted with a piece of paper, which said "2 million for three, you always look at it." Seeing this note, the citizens finally understood why the owner was so calm, it turned out that the owner bought a three-way insurance, and the cost of compensation was borne by the insurance company, and there was no need for him to worry about anything.
Many people think that the bread owner is a very smart person, although his own car is not expensive, but he bought the highest amount of three insurance for his car. After all, Guangdong is also one of the most economically strong provinces in China, luxury cars are everywhere, in case of accidental collision with luxury cars, it is not safe to lean forward without car insurance.
However, there are also many people who are very curious, now that there are so many types of car insurance, how to buy it is cost-effective?
One of the car insurance that must be bought is compulsory traffic insurance, without which the car cannot be on the road. Generally, the traffic insurance of five-seater cars is 950 yuan, and if a car accident occurs, the premium will rise in the next year.
The second thing to buy is third-party liability insurance, which is a kind of insurance to compensate others, and if you hit someone else's car on the road, it can be compensated. The sum insured of the three insurances spans a large range, and everyone can choose according to their economic strength. In economically more developed cities, a three-fold insurance of 2 million is necessary.
The third is car damage insurance, falling objects, driving accidentally hit a telephone pole, cement piers, etc., can be compensated with it.
The fourth does not count as a deductible.
Generally speaking, if you buy a new car, it is the most secure, because the novice driving technology is not skilled, there may not be any accidents, and buying full insurance can have more protection. If the technology is skilled, there is no need to buy full insurance, these 4 kinds of insurance can basically protect our interests.
summary:
Car insurance provides a guarantee for our travel, but this protection is also limited. And there are also plenty of deductible clauses that insurance companies can refuse to cover. Therefore, don't think that you can do whatever you want with car insurance, always keep safety in mind, and avoid some unnecessary accidents.
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