Do you really buy auto insurance？ how to buy auto insurance is the most appropriate
As cars become more and more popular, driving a vehicle becomes one of everyone's necessary skills。 Car on the road more and more, also means that the car accident also gradually increase, his car is indispensable vehicle insurance, not afraid of ten thousand and they were afraid of one thousand, not an accident choose good, an accident insurance still has a great role。 Today, how to choose car insurance is the most appropriate！
What kind of insurance do you have？
Insurance is divided into two kinds, one for compulsory insurance, the other for commercial insurance。 As the name suggests, compulsory insurance is compulsory by the state: motor vehicle traffic accident liability compulsory insurance, also known as compulsory insurance。 Commercial insurance is made by the insurance company to supplement the insurance, the choice of commercial insurance is decided by the owner。 Commercial risks include basic risks and additional risks, among which the basic risks are: 1。 Third party liability insurance 2。 On - board personnel liability insurance 3。 Vehicle loss insurance 4。 Pirate rescue。 Additional risks are: 1。 Non - deductible for basic risks 2。 Glass breakage risk 3 alone。 Water - related risks 4。 Body scratch risk 5。 Designated maintenance factory specialized risk。
What is the role of the main insurance？
Compulsory insurance: simply is to pay the loss of insurance, in the accident, due to your responsibility, need to pay the loss of others encountered, for example, you will be someone else's car crashed, need to pay for the loss, this time is to use compulsory insurance。
Third party liability insurance: the role of third party liability insurance and compulsory insurance is the same, due to the limited amount of compulsory insurance, many times can not meet the needs of people, so the use of third party liability insurance as a supplementary compensation。 The coverage of the three risks is also selected by the customer。
Car personnel liability insurance: car personnel liability insurance is the main compensation for the insured vehicle driver and passengers insurance, in short, is the occurrence of traffic accidents, if their own responsibility, is no one to compensate for their own and the car personnel medical expenses or disability death costs, so the car personnel liability insurance, to make up for this defect。
Loss of vehicle insurance: the loss of vehicle insurance is also used to make up for the damage to the vehicle by its own responsibility to repair the insurance。 Such as driving accidentally crashed, is compensated by the vehicle loss insurance。
Theft rescue: listen to the name can also see, this is the vehicle stolen robbery insurance, installment purchase of a car, this is also must be on the insurance。
How to choose insurance？
First of all, the choice of compulsory insurance is beyond doubt, because it is compulsory insurance, so every car has no choice。 But compulsory insurance coverage is limited, at that time the third party liability insurance is indispensable, as for the three insurance coverage, it depends on the driver's own driving technology and how the road conditions at ordinary times, if in big cities and novices, suggest to choose a larger coverage！ Then there is the vehicle loss insurance, this is also one of the good choice of vehicles, whether driving technology again good, hard to avoid mistakes, so or vehicle loss insurance is also essential。 For the guarantee of the car also have, of course, little not for the guarantee of the people, the car personnel liability insurance is also very important。 Second is the rescue, the insurance, if your car is not installment, basic can not in the process of free choice, near if you have heard that lost a lot of car that is better。
Basic insurance has been selected, now take a look at the additional insurance how to choose: non - compensable liability insurance, this is very necessary on the insurance, in the process of insurance payment, the insurance company will be according to the size of your accident liability can choose to avoid odds, if the greater your responsibility in the accident, the less you pay, additional non-compensable liability insurance company will pay all, or very cost - effective, only car damage insurance, three risks, car personnel liability insurance and theft and rescue have non-compensable insurance。 In the choice of water-related risks, mainly depends on whether the city sewage system is perfect, whether the rain is frequent, the south rainy so many people will choose, the northerners are very few。 Pure car glass is broken, the vehicle loss insurance is not paid, need to separate broken glass risk, but the insurance choice is not a lot of people, if not the pursuit of perfection, don't change the original glass price is acceptable to the average person。 A lot of people are willing to go to 4 s shop repair, more professional, let a person more rest assured, but the price is expensive, so the designated maintenance factory specializing in can meet your wishes, if not, maintenance vehicle accessories price paid according to the market price, want to go to 4 s shop maintenance can only pay for yourself。
Now 4 s shop to buy a car in the store insurance bundle sales, is about to be issued on July 1, the car sales management regulations " was forced to exempt, not forced to buy full insurance, so how to buy insurance, or by their own vehicles to make the most appropriate choice is the most appropriate way to save money, don't because not willing to part with or use insurance, out of the things to pay big pockets, also don't blindly pursue security, pay a lot of insurance money every year！
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