With the improvement of the mainland's economic level, the quality of life of the people has risen, coupled with the mainland's emphasis on transportation, the development of the mainland automobile industry is growing day by day. So far, the number of national car ownership has risen to 200 million. From this data, it can be seen that the mainland has made achievements in the automotive industry. The automotive industry chain is not only the best-selling car that everyone usually sees, but also the insurance of car owners after purchasing a car is also an indispensable part of the entire industry. Especially commercial insurance, sales are not lost to car sales, and it is easy for everyone to buy insurance when buying a car. However, when buying commercial insurance, you will find that there is an insurance called "tripartite insurance". For the significance of the existence of this insurance, many beginner buyers are very skeptical, does this insurance have to be purchased? Does the level have to be 1 million in damages?
The industrial chain driven by the automotive industry in today's world includes manufacturing and sales, as well as post-maintenance and processing and follow-up maintenance of various small parts, etc. Refueling and insurance are also an indispensable part of the industry, of which auto insurance is particularly important. The existence of the automotive industry can be said to have insurance, and if there is a vehicle purchased in name, the car must be insured. With the rise of car ownership, the incidence of traffic accidents is also gradually rising, after all, driving on the road, there is no guarantee that everyone will not encounter traffic accidents, insurance is a must buy. At present, the car insurance market is diverse, the most important type of insurance accepted is traffic insurance, which is the insurance that all vehicles must purchase compulsorily, and it is also automobile loss insurance and third liability insurance, which are voluntarily purchased by owners.
Generally speaking, third liability insurance is considered to be supplementary insurance that pays for strong insurance. After some accidents occur, the compulsory insurance can make certain compensation according to the details of the accident, but the amount is often not large. Tripartite insurance can be supplemented, but in this case, the amount of compensation for this insurance is also much more than this, so owners who value insurance will choose to buy tripartite insurance. Most car owners buy tripartite insurance for 500,000 or 1 million, which grade is more cost-effective? The loss fixer stated the actual situation, and many owners said that they had suffered losses! In general, the higher the amount of car insurance, the higher the amount of compensation in the event of an accident in the future. I know why, but in order to get better protection, car owners tend to choose a higher amount, is this really necessary? Many car owners choose to buy tripartite insurance because the amount of compensation for this insurance is much higher than the premium.
Although the maximum amount of compensation stipulated in the insurance is less than 200,000, the amount of the three insurances can reach 10 million. Judging from the current traffic situation and the price of cars, the compensation of 200,000 yuan is obviously a small salary, and the effect of encountering a large-scale traffic accident is not large. In contrast, the three insurance plans actually look more flexible. The maximum amount of the three insurances is 10 million US dollars, the minimum insurance amount is 500,000 yuan, and the compensation amount of different insurance types is different, and the natural price is also different. Judging from the current value of most families' vehicles, more car owners choose insurance levels divided into 500,000 and 1 million, there is a big gap between the two, but the price is not large. The general insurance company's price of 500,000 insurance amount is about 1600 yuan, and the price of 1 million insurance amount is about 200 yuan, and there is only a gap of a few hundred yuan between the two.
Some car owners may subjectively believe that the tripartite insurance for car purchase is mainly to compensate others, but only car damage insurance is really their own economic protection, if you want to buy tripartite insurance, of course, you will choose a lower price of insurance. But from another point of view, in the event of a traffic accident, the main responsible person should compensate, bear the main responsibility, insurance compensation, and the owner himself bears. If the amount of third-party insurance can give more compensation to the third party, the amount of compensation you need to bear will be less, and the real benefit in the end is yourself. The number of luxury cars on urban roads is also increasing, but if there is a friction accident with a luxury car due to operational error or negligence, the amount of compensation that needs to be borne will be very large. At this time, the three-party insurance worth $500,000 is worth a small salary, and it is inevitable that there will be various small accidents when driving, and even the insurance cost of the hundreds of dollars is not comparable. Tripartite insurance actually requires $1 million in coverage, and then consider not regretting it.