What insurance does a Nissan Qichen D50 buy in installments?

The state requires compulsory insurance. There is nothing to say. Commercial insurance is sold by different companies, Ping An, PICC and Pacific ... These are several large property insurance companies in China, but the starting rates are similar, and there is no difference between good and bad. The insurance liability of different clauses is different. In fact, commercial insurance is a supplement to compulsory insurance. How to understand it can only be explained as follows:

First of all, the compensation of compulsory insurance is mainly the casualties and medical treatment of the other party, but the amount is very low, with the highest medical expenses 1 1000, the highest property losses of 2000 and the highest casualties/10000, which has no effect at all. If the other party needs a vehicle maintenance fee of 30,000 to 50,000 yuan, you don't have to bear it yourself, so the commercial third party is.

Second, it is easy to understand that a stolen car can be compensated, which is better than losing it for nothing.

The third kind, car damage insurance, is the insurance that reimburses the maintenance cost of your car when an accident happens unilaterally. Compulsory insurance does not provide any insurance protection for yourself and your car.

Fourth, vehicle personnel liability insurance is insurance for personal injury or medical expenses in your own vehicle. Generally, you buy 10000 each, which is not very helpful.

Fifth, there is no deductible. If you don't choose this option, some payments will be paid in proportion, not how much you spend, but how much you buy, which is commonly called full coverage.

Of course, there are some small types of insurance, such as spontaneous combustion insurance, water-related insurance, separate glass breakage insurance, car body scratch insurance and so on. You can buy it or not.

To sum up, I will give you my opinion from a professional point of view for your reference.