How on earth should I buy car insurance？ It is said that 90 % of car owners don't know
How to buy car insurance？ This is one of the most frequently asked questions by fans of " after having a car", which shows that many people still have a little bit of scrutiny about buying auto insurance。 Subject to the length of the background reply, brick uncle can only simple reply every time。 Today, let's talk about this in detail with the owner's vital interests related topics, first to listen to the advice of the unreliable little editor。
@ Mao Shiba:
Cut！ Insurance companies are in order to earn money, buy insurance must be lost, if not mandatory, I don't even want to buy compulsory insurance！ Drive carefully is, which have so bad luck！
@ 20 % discount brother:
Words can't say so, the so-called " accident", is " unexpected", the weather is unpredictable, people have a fate！ Insurance or buy all good, otherwise had an accident cry all cry not to come out！ You see me, can buy all the risks, rest easy！
@ bear child paper:
Have what good entanglements, don't buy a car is not finished！
@ all:
Cut
Mao Shiba and 20 % discount brother's point of view, though a bit extreme, but it represents two common practices: either only buy compulsory insurance, or muddled what risk to buy。 Brick uncle although can't say they are wrong, but don't agree with, in a word: Buy auto insurance or rational！ That is, on-demand insurance。
Except .. Compulsory insurance In addition, the common auto insurance and third party, car damage insurance, seat insurance, theft and other main risks, and excluding non - compensation, self-combustion insurance, glass risk, scratch risk, water-related insurance, parking loss insurance and other additional risks。 How on earth should these insurance be bought？
Third party liability insurance
Recommended purchase index: 10
The effect of this insurance is similar to the compulsory insurance, is to protect the hit object。 Third - party liability insurance is usually used as a supplement to compulsory insurance due to limited compulsory insurance coverage。 For example, if a driver crashes into a dead person, he will have to compensate 500,000 yuan, but the maximum amount of compensation for compulsory insurance is 100,000 yuan. if there is a third party insurance, you can let the third party insurance to compensate some more。 Under normal circumstances, third party insurance is recommended to buy more than 200000。
Seat insurance
Recommended purchase index: 9
In the event of an accident, compulsory insurance and a third party do not protect their car, so it is best to buy seat insurance。 Seat insurance is bought according to the number of people, can buy the car's rated seat number at most。 If 5 cars can buy up to 5。 If the average car pull less opportunity, can be appropriate to reduce the number of purchases。
Car damage insurance
Recommended purchase index: 8
Car damage insurance is to protect the car itself, when an accident or encounter in addition to the earthquake caused by natural disasters, car damage insurance can be paid accordingly。 The purchase of car damage insurance can be purchased according to the value of the new car, can also be purchased according to the actual value, what's the difference between the specific, we will say again later。 It is worth noting that there are a lot of car damage insurance is not guaranteed, we will elaborate on below。
Pirate rescue
Recommended purchase index: 5
As the name suggests, stolen rescue is when the car was stolen or robbed, the insurance company is responsible for the compensation of insurance。 The owner can assess the need for this type of insurance according to the surrounding security situation。
Non - compensable
Recommended purchase index: 8
In front of many of these types of insurance are exempt from odds, that is to say, can't compensate all, if the purchase of non - compensable, accident, according to the provisions of the corresponding insurance of the main insurance clauses of the exemption of odds calculation, shall be borne by the owner of the amount of free compensation, the insurance company will help the owner to compensate。
Self - combustion risk
Recommended purchase index: 5
Car damage insurance does not protect the loss caused by the car spontaneous combustion, so there is the additional risk of self-combustion insurance。 Of course, not all the losses caused by spontaneous combustion can accompany, this later。 For this risk, we recommend that vehicles that have not moved the line during the warranty period may not be purchased。
Glass hazard
Recommended purchase index: 5
The risk of glass breakage alone is also an additional risk of car damage, because car damage also does not protect glass breakage alone。 For management, parking is safer place, this risk can not buy。
Scratch risk
Recommended purchase index: 5
When there is no obvious collision trace of the car body surface paint scratch alone, car damage insurance is not compensate, then need to scratch insurance。 For management, parking is safer place, this risk can also not buy。 In addition, for small scratches don't care about the owner also don't need to buy。
Water - related risk
Recommended purchase index: 3
Water - related risks on the basis of the purchase of the car damage insurance, for the engine into a kind of additional risk。 General car was flooded, if the owner lighter cause damage to the engine, car damage insurance is not compensate, but if the purchase of water-related insurance can compensate。 This risk can be taken into account in places where flooding often occurs。
Stop loss insurance
Recommended purchase index: 1
Vehicle suspension loss insurance is responsible for compensation for the car insurance accident caused by vehicle damage, due to the loss of suspension。 There is no need to buy this kind of insurance for ordinary family cars。
It's your turn.
What kinds of insurance have you bought for your car？
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