Not even an insurance policy！ How else can I buy a car？

After happily give money to buy a car, only to find that a lot of insurance to buy, that what is the meaning of these insurance？

Compulsory insurance

Compulsory motor vehicle traffic accident liability insurance is the full name of compulsory motor vehicle traffic accident liability insurance。

This is China's first compulsory insurance system by the provisions of national law, the premium is the implementation of the national unified charging standards, unified by the state regulations。 Just different car models of compulsory insurance price is not the same, the main determinant is the " number of car seats"。

For compulsory insurance, must buy after buying a car。 If you don't buy, the car can only put home collection。

Commercial risk

1 ) third party liability insurance

Third party liability insurance is commonly known as " three liability insurance", a total of 50,000, 100,000, 200,000, 500,000, 1 million and other grades。

The insurance company is responsible for compensation if your car is in an accident on the way and causes personal or property damage to a third party。 This must be bought。

2 ) vehicle loss insurance

For ordinary damage to the vehicle, whether small scraping or small rub ( daily bumper cars, fancy reverse, etc. ), or serious losses ( such as what volcanic eruption to hit the car, lying after the car was thunder split, etc. ) are paid by the insurance company。

This is also must buy buy buy。

 

3 ) the whole car stolen rescue

Full - vehicle theft and rescue is an additional risk, but parts such as tires and mirrors are not covered if stolen。

Generally can choose not to buy。 After all, now steal a car, the relevant departments to check monitoring can solve crimes。

 

4 ) glass breakage risk alone

This is an additional risk to the vehicle loss insurance, but only the windshield and window glass are covered。 For example, breakage of lamp and mirror glass is not covered。

The purchase price of imported cars and domestic cars were 0. 25 % and 0. 15 %, cylinder elder brother suggested to buy, because the price is not very high。

5 ) spontaneous combustion loss insurance

If the purchase of spontaneous combustion loss insurance, then when the vehicle internal circuit, line or oil supply system failure, or the loss caused by the spontaneous combustion of the goods in the car by the insurance company to pay。

Of course, if you are in the car fireworks, barbecue, the damage caused by the insurance company is not responsible for。

It is recommended that new cars may not be purchased for the time being, and older cars may be considered for purchase。

6 ) body scratch risk

After the purchase of the body scratch insurance, when the car was used keys, small stones, knives and other scratch damage will be the responsibility of the insurance company。

This is suggested to buy, drunk car, Xiong Haizi painting creation and other cases have occurred。

7 ) water - related risks

If the car parked far away from the reservoir, less rain, high terrain area owners can not buy。

8 ) excluding special insurance

This must buy, because if you don't buy out the risk situation may only compensate for 80 % of the cost of loss。

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