Doing that is not highly recommended. Why? We will take a closer look at the details of the strong insurance, you can understand more. Strong insurance is a mandatory purchase of a type of insurance, simply put, it is a personal social security for the vehicle. Its insurance cost is not high, for the vast majority of car buyers, a year but also 950 yuan. And if you don't make a claim for three years, the cost of insurance will be as low as 665 yuan or quite cheap.
But it is important to note that the annual credit limit for strong insurance is also not high, for some daily scratching and rubbing, or not much of a problem. Its credit limit is as follows:
The credit limit for compulsory insurance is indeed not high, and it only pays out to the other party involved in the accident. Whether it's your own damage or personal injury, you can't go through the compulsory insurance.
But there are two advantages of compulsory insurance:
One is to be able to advance 10,000 yuan within the limit in a safety accident.
The second is that there are very few provisions for compensation. Can make the strong insurance refused to insure, only the following four items: Article 10 of the following damages and expenses, the strong insurance does not undertake to pay and advances: (a) due to the victim intentionally caused by the damage of road traffic accidents;
(b) all of the beneficiary's assets and the assets on the commercially insured motor vehicle suffered damages;
(c) commercially insured motor vehicle to produce road traffic accidents, resulting in victims of (c) the damage caused by the road traffic accident of the commercially insured motor vehicle, which results in the victim's business being suspended, driving being stopped, electricity, water, gas, work being stopped, communication or internet being interrupted, loss of contents, change of working voltage, etc., and other various indirect damages, such as loss of value of the victim's assets due to changes in price, or the damage caused by the decrease in value of the victim's assets after repairs and maintenance; and
(d) the costs of litigation or appeals due to the road traffic accident, as well as other related expenses. (d) litigation or appeal costs and other related expenses resulting from the road traffic accident.
And in the case of having to make advances, there are only four items that will allow the insurance company to recover the money from the owner of the vehicle after making the advance:
The theft of the commercially insured motor vehicle during the period of the perpetrator; the beneficiary intentionally produces a road traffic accident. In response to the advances of the rescue expenses, the insurance company has the right to recover from the cause of the victim is not shallow. Above all, compulsory insurance has intelligent characteristics, so the insurance cost is lower, can be advanced, and the deductible provision is very small. However, the credit limit of the strong insurance is also relatively low, only to pay for the other party in the accident, but not to pay for their own damages in the accident.
Once a situation occurs that far exceeds the credit limit of compulsory insurance, the inconvenience is far beyond this point, in the know-how to retrieve the "only buy strong insurance", real cases a catch a large number of: driving a light truck out of the road traffic accidents, their own obligations, the car only to buy the strong insurance, their own leg fracture, the car was damaged, and now spends The first thing you need to do is to get a good deal on the price of the car, and then you'll be able to get a good deal on the price.
I bear full responsibility for the other party stipulated to go to the car 4S store overhaul, and I do not buy commercial insurance and third party, only strong insurance, I can stipulate that the other party's car did not go to the car 4S store repair? Rear-end accidents have other people, only buy strong insurance? Road traffic accidents without the same obligation to death or injury, you only buy the compulsory insurance, the other party full insurance and the other party to repair the car money 5600 1000 yourself and the other party exceeded part of how to compensate? Although it is true that you can only buy strong insurance, do not buy commercial insurance, but if only strong insurance on the road, the risk is not generally large.
In addition to the strong insurance, what commercial car insurance is worth buying?
According to the latest auto insurance policy, the current commercial auto insurance has 3 main insurance + 11 additional insurance, which includes car damage insurance, third-party liability insurance, car staff liability insurance, car body scratch damage insurance, repair cost compensation insurance, car goods liability insurance, car wheel independent loss insurance, new upgrade machinery and equipment damage insurance, moral indemnity liability insurance, statutory holidays, and so on. double the amount of insurance, liability insurance for medical expenses outside the medical insurance, motor vehicle personalized service special invitation provisions, sure deductible special invitation provisions, engine water damage accident special invitation provisions.
Although there are so many types of insurance, but not all insurance insurance need to buy, in which the car damage insurance and third party liability insurance is basically to buy a car people must buy insurance insurance, other types of insurance insurance based on the specific circumstances of the car buyer to carry out the selection.
Car damage insurance compared to the latest auto insurance policy reforms and innovations before, now car damage insurance to ensure a broader scope, the previous five additional insurance (spontaneous combustion insurance + water-related insurance + glass insurance + deductible insurance + can not find the third party) and a main insurance (car theft insurance) are included in the scope of car damage insurance. The insurance terms are also summarized in three parts: first, to ensure the direct loss of the insured car due to floods and accidents; second, to ensure the whole car due to theft, robbery, and damage caused by the fight; and third, to avoid or reduce the damage to the insured car to pay for the necessary and effective rescue costs. Generally speaking, the amount of car damage insurance is the value of your car to use how much money to buy is how much insurance, car damage insurance is to undertake to pay for the damage to their own cars, nowadays the streets are bustling, so many cars, one is not careful, it is very likely to produce rear-end accidents, friction and other conditions, or your own car itself is a luxury car, or vehicle parts are more expensive, once you get into the body shop, you need to spend a lot of money. It will cost you a lot of money to buy car insurance, so it's essential to buy car insurance. In this article, you will find information about the cost of car insurance, the requirements for compensation, etc.: car insurance must be purchased? How much does it cost per year? Third Party Liability InsuranceThird party liability insurance is to ensure that when an accident occurs, resulting in third party victims of personal safety and economic losses, in fact, it is the same as the strong insurance to ensure that the content of the compulsory insurance, is the amount of compulsory insurance coverage to fill. According to the latest auto insurance policy, the insurance amount of third party liability insurance can be selected from 100,000 to 10,000,000 yuan, and the insurance amount of third party liability insurance should be considered by integrating the local compensation for death and injury and the level of their own economic development. But no matter which place, the car buyer to buy the best insurance amount of one million development, because if there is a serious road traffic accidents, damage compensation and injury compensation is a great expense ah, so buy the higher the amount of insurance, road traffic accidents when the payout of the confidence will be more sufficient. How is the amount of third party liability insurance calculated? Motor Vehicle Personalized Service Invitation ProvisionThis invitation provision is an additional insurance, including four personalized services, namely, vehicle rescue service invitation provision, car inspection service invitation provision, commissioned safe driving service invitation provision, commissioned re-inspection service invitation provision, these four personalized services can be purchased independently of the insurance policy, the buyer can choose to buy insurance in one or more or all. The buyer can choose to purchase insurance on one or more or all of them. This kind of personalized service before the car reform, such as security, PICC, China Pacific and other large insurance companies have long had this kind of service project, but the auto insurance field of this kind of service project are not a unified specification, now this kind of car reform, this kind of service project are included in the additional insurance, unified specification, but also for the buyer of the car to give a stronger guarantee. Vehicle rescue service projects invited provisions of a single trip within 50 kilometers of the car; send oil, send food, send car antifreeze, electricity; tire pumping, removal and replacement of tires; car out of the dilemma of the need for towing, cranes. Vehicle inspection services invited provisions of automobile engine inspection (automobile oil, air filters, gasoline, diesel, refrigeration, etc.); transmission inspection; turn to the network testing (including wheel accurate positioning test, car dynamic balance test); car chassis inspection; tire inspection; car windshield inspection; automotive electronics network testing (vehicle motor control home appliances network testing); car environmental monitoring; battery testing Car Comprehensive Inspection Service. Entrusted re-inspection service program invited provisions of the insurance period, in accordance with the "Chinese People's Republic of China *** and the State Road Traffic Safety Law Enforcement Regulations", the commercial insurance motor vehicles need to be motor vehicle safety production technology inspection agency to implement the safety production technology testing, based on the beneficiaries' requirements, by the insurance company or its appointee instead of the car anyone to carry out a re-inspection of the car. This kind of personalized service is all very good for car buyers, who can carry out the purchase of insurance according to their own requirements. In addition to this additional insurance, there are also some additional insurance is also very necessary to buy