As the saying goes, it is easy to buy a car, it is difficult to keep a car, it is difficult, it is difficult! In particular, many car owners are not very familiar with vehicle insurance, so they buy a lot of insurance in a vacuum, and when a traffic accident occurs, they find that the car insurance they bought is not suitable, so how to buy car insurance correctly?
What are the types of car insurance? Everyone often says that car insurance, does not refer to an insurance, but a package of several insurance collections, car insurance is mainly divided into: traffic insurance and commercial insurance, in order to make everyone better understand, Xiaobian here to find a structural diagram for everyone to help you understand.
But with so much car insurance, how to buy it? Don't buy it!! Because what car insurance to buy, and your usual driving habits are actually very much related, let's simply make a pinch ~ traffic insurance: the necessity of purchase: five stars Dear owners, please pay attention! This one is a must buy! Because you can't get a license without buying this, you have to buy it every year, this is mandatory by the state!
Three-tier insurance: Necessity of purchase: five stars
In simple terms, the three insurances are insurance that pays for the damage to the other party's victim and the other party's vehicle. For example, Xiao Wang scratches other vehicles due to improper operation, and if the amount of compensation paid by the other vehicle has exceeded the amount of compulsory traffic insurance, then the rest will be paid by the three insurances. Car damage insurance: the necessity of purchase: The five-star car damage insurance is mainly to compensate for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use. Even if most natural disasters cause vehicle damage, insurance companies can still pay the same.
Regardless of deductible insurance: necessity of purchase: five stars When a traffic accident occurs, according to the deductible rate stipulated in the main insurance clause of the corresponding insurance, the part of the deductible amount that should be borne by the owner himself, the insurance company will help you to pay the compensation.
The above four kinds of insurance Xiaobian recommend here that they must be purchased! The rest of the commercial insurance please consider carefully! Here, Xiaobian has made three types of car insurance choices for the daily habits of car owners
1. Novice drivers (who have just learned to drive and purchased their first car, more distressed car) traffic insurance + three insurance + car damage insurance + car damage insurance + theft insurance + glass damage insurance + no deductible insurance + body scratch loss insurance
2, their own driving technology is not bad, can also bear part of the risk and have a fixed parking lot of the owner (the most cost-effective) traffic insurance + three insurance + car damage insurance + car personnel liability insurance
3, the artist is bold car owners, car owners who have money to take all risks (not so recommended!). Compulsory traffic insurance