Compulsory traffic insurance is an insurance that the state requires car owners to purchase, in addition, car owners can also decide whether to purchase commercial insurance. Insurance can avoid risks for car owners, is an important guarantee to ensure the safety of vehicles, today we will talk about which insurance is not worth buying.
Compulsory traffic insurance is an insurance that the state compulsorily requires car owners to purchase, with an annual premium of about 950 yuan. In 2020, the mainland auto insurance industry began to reform, and the premium of compulsory insurance fluctuated up and down, and the premium of compulsory insurance could be reduced by about 30% without insurance.
The least cost-effective types of commercial insurance:
First, scratches are dangerous.
Why is scratch insurance useless? However, after the car has scratches, the owner will find that the amount of compensation for the scratch insurance is simply not enough to pay, and it will also affect the premium change in the second year. Some car owners spend more than 400 yuan to buy scratch insurance, and the insurance company pays up to 2,000 when the insurance is insured.
Some novice car owners do not understand the insider of the insurance industry, do not buy deductibles, and the insurance company only bears 80% of the compensation, that is to say, it can only pay 1600. The owner of the car took the scratch insurance to repair the car in the second year the premium increased by 500 to 800 yuan, and the money to buy scratch insurance plus the increase in the premium was similar to the claim cost.
Second, theft and rescue.
Vehicle theft is useful, and if the car is stolen or the property in the car is lost, the insurance company may settle the claim. Most car owners think wrong, theft insurance can only ensure that the car is stolen by others insurance company for compensation, the car lost something in the insurance company does not care at all.
Third, glass breakage risk.
The cost of the windshield of the car is not cheap, it costs more than 1,000 to change a piece of glass, and the more expensive the car windshield, the more expensive it is. Some car owners are worried that the car is parked in the open parking lot and the glass of the car will be smashed, so they will buy glass breaker insurance.
Glass breaker insurance only compensates for the loss caused by artificial damage to the glass of the car if the owner parks the car under a tree. The storm caused the trees to break and smash the glass of the car, and the insurance company would not pay a penny. The indirectness of the glass by the foreign body is accelerated, and the insurance company may also refuse the claim.
Fourth, wading risk.
In 2021, many cities on the mainland fell a rare heavy rainstorm, and tens of thousands of cars became water soaking vehicles. Many car owners will increase wading insurance when buying insurance, and the owner thinks that with wading insurance, the insurance company can pay the full amount after the vehicle enters the water.
In fact, there are several conditions for the compensation of wading insurance, and the owner of the vehicle must immediately turn off the ignition after the vehicle enters the water, and cannot move the car at will. If the owner ignites the second ignition after the vehicle enters the water and turns off, the insurance company will refuse to compensate, and the hundreds of yuan premium paid by the owner will not be of any use at all, and the insurance will rise in the second year.
Editor's Comments:
There are many insiders in car insurance, and the above insurance seems to be very useful, but it is actually completely cosmetic. There is also a kind of insurance that is also useless, which is vehicle spontaneous combustion insurance. The probability of spontaneous combustion of the car is particularly low, just like the first prize. Even if the vehicle does spontaneously combust, as long as it is artificially caused by spontaneous combustion, the insurance company will refuse to pay.
Car insurance seems complicated, but in fact, car owners only need to buy a few. Compulsory traffic insurance must buy three liability insurance and car damage insurance is the most useful commercial insurance, at most add a deductible, other types of insurance are not cost-effective, buying is also a waste of money, do you think there are still some insurance that is useless?
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