How do you know the car personnel liability insurance is necessary to buy？
[ editor's note ]in recent years, the country's vicious traffic accidents occur frequently, not only bring serious economic losses also caused very serious casualties。 However, the vast majority of insurance coverage in auto insurance is to protect the vehicle itself and a third party, and can protect the driver's car personnel insurance only the car personnel liability insurance。 So, what is the car personnel liability insurance？ Is car personnel liability insurance necessary to buy？
Is car personnel liability insurance necessary to buy？
Many drivers have a feeling that if you buy accident insurance, out of the traffic accident insurance company will make compensation, although the car personnel liability insurance is not expensive, also feel that doesn't seem to be necessary。 In this regard, the insurance house _ Warburg network experts believe that there is no need to insure the car personnel liability insurance mainly depends on two kinds of circumstances:
( 1 ) if often take a private car is family or very familiar with friends, and these people, including the owner has been insured for accidental injury insurance, then you can choose not to buy the car personnel liability insurance。 Because the car personnel liability insurance coverage is only in the car has been insured, the scope of protection is obviously less than the accident insurance。
( 2 ) if the car ride people often change, in the case of not sure whether the passengers have been covered by accident insurance, or to cover the car personnel liability insurance as well。
How to insure vehicle personnel liability insurance？
Car personnel liability insurance coverage from 10 thousand to 100 thousand for four grades, by the applicant according to the demand of free choice, insurance liability to accident death, disability, medical expenses to the maximum amount of insurance shall prevail。 There are two kinds of insurance, one is according to the choice of seat insurance, the other is in accordance with the approved number of seats。 The former rate is generally set at 0. 5 per cent of the compensation limit. 9 %, the latter is 0 % of the compensation limit. 5%。
Warburg warm reminder: car personnel liability insurance in the purchase, must indicate the number of seats insured。 In the event of an insurance accident, the insurance company shall bear only the liability within the number of seats insured。 Therefore, the owner according to the number of seats on the car to buy the car personnel liability insurance, more than a few money, you can give your car family and friends to take a more security。
Is car personnel liability insurance necessary to buy？
Many drivers have a feeling that if you buy accident insurance, out of the traffic accident insurance company will make compensation, although the car personnel liability insurance is not expensive, also feel that doesn't seem to be necessary。 In this regard, the insurance house _ Warburg network experts believe that there is no need to insure the car personnel liability insurance mainly depends on two kinds of circumstances:
( 1 ) if often take a private car is family or very familiar with friends, and these people, including the owner has been insured for accidental injury insurance, then you can choose not to buy the car personnel liability insurance。 Because the car personnel liability insurance coverage is only in the car has been insured, the scope of protection is obviously less than the accident insurance。
( 2 ) if the car ride people often change, in the case of not sure whether the passengers have been covered by accident insurance, or to cover the car personnel liability insurance as well。
How to insure vehicle personnel liability insurance？
Car personnel liability insurance coverage from 10 thousand to 100 thousand for four grades, by the applicant according to the demand of free choice, insurance liability to accident death, disability, medical expenses to the maximum amount of insurance shall prevail。 There are two kinds of insurance, one is according to the choice of seat insurance, the other is in accordance with the approved number of seats。 The former rate is generally set at 0. 5 per cent of the compensation limit. 9 %, the latter is 0 % of the compensation limit. 5%。
Warburg warm reminder: car personnel liability insurance in the purchase, must indicate the number of seats insured。 In the event of an insurance accident, the insurance company shall bear only the liability within the number of seats insured。 Therefore, the owner according to the number of seats on the car to buy the car personnel liability insurance, more than a few money, you can give your car family and friends to take a more security。
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