For new drivers, choosing car insurance can be really difficult as they don't know much about it.
But if you know what these types of insurance do, getting the right car insurance is naturally a matter of minutes.
Today, let's talk about four aspects. How should you buy car insurance?
1. What are the sources of car insurance?
2. Mandatory insurance: compulsory insurance.
3. Optional car insurance: commercial insurance
4. Insurance is not recommended if you scratch.
Currently there are two channels to buy car insurance.
One is an online purchase channel and the other is an offline purchase channel.
1. Online purchase channel:
2. Offline purchase channel:
(1) Insurance company offline outlets
(2) Insurance company's telephone insurance
(3) 4S stores, car washes, auto repair stores and other auto related markets
Third-party agents
Regardless of which of the above channels, try to Buy car insurance through qualified and formal channels to prevent being cheated.
Meanwhile, no matter which channel you buy car insurance through, it is recommended that you look for more quotes from the channels and choose the one that suits you best.
The compulsory insurance is equivalent to our social security and must be paid.
At the same time, compulsory insurance is cheap, but the coverage is relatively low and can only compensate the other party in the accident.
So in order to prevent accidents, it is recommended to buy some commercial insurance to supplement the compulsory insurance.
1. How much is the annual compulsory insurance?
There are two main factors that affect the price of compulsory insurance.
One is the number and use of seats, and the other is the number of accidents last year.
The premium for compulsory insurance is really not too high. It is priced as follows:
At present, most car owners use private cars with less than 6 seats. The first year's premium for a new car is only $950. If it has not been off the insurance, the cost will naturally be lower ~
But at the same time, the amount of compulsory insurance coverage is not so high ~
2. How much money can be paid for compulsory insurance?
The claim amount of compulsory insurance is as follows:
It should be noted that compulsory insurance pays for the other party's damages in the accident, and does not cover the cost of repairing or treating the people in his car.
The amount of his claim is not high. On the liability side, it pays up to $10,000 for medical bills and $2,000 for property damage.
In a nutshell,
You're driving your car, humming a little tune, and you go for a little hot pot. You're so happy you accidentally kiss Santana in front of you.
Get out of the car and apologize to the owner of the Santana, saying I'll pay for your car repairs. Let's get insurance.
The owner of the Santana is also very kind. Seeing that you apologized sincerely, he agreed.
To repair the Santana to take your compulsory insurance, the cost of repairing the car is about four or five hundred dollars. All the compulsory insurance will help you to keep.
Your money to repair the car is only about four or five hundred. Santana owners have no responsibility to pay with compulsory insurance, to help you out of 100 dollars, you have much less pressure.
At the same time, you only took out this insurance once this year and only used the mandatory insurance, so the next year your mandatory insurance premiums will only revert to the original price, while the commercial insurance still enjoys the benefits it deserves.
Looking at the example should make sense.
In fact, a small scratch like this will basically top up the compulsory insurance.
But if you really hit a luxury car and people, the compensation from the compulsory insurance is basically gross, so a certain amount of commercial insurance is really necessary.
Whatever the platform, we find that many car owners go to extremes in their choice of commercial insurance.
On platforms like Today's Headlines, we've had car owners ask us if they should buy 'full coverage'.
Even on neutral platforms like Zhihu, there are car owners who say they don't want to buy commercial insurance and have to buy compulsory insurance.
1. It's not cost-effective to buy 'full coverage'
Looking through the terms and conditions of car insurance, I couldn't find a single 'full coverage'. It's just an expression used by salesmen and car owners in private exchanges.
Generally speaking, "all risks" includes several primary insurance and several additional insurance. For each insurance company's salesman and car owner, everyone's definition of 'all risks' is somewhat different.
This creates a situation where you spend a lot of money on 'full coverage' and there is still the possibility of getting insurance that you won't use. Meanwhile, insurance companies
For most car owners, we usually recommend three types of commercial insurance:
Car damage, triple coverage, and deductible.
If there are other risks that need to be dealt with, other commercial insurance can be added on top of that.
(1) Car damage insurance: repair your own car.
Car damage insurance, as the name suggests, is usually responsible for damage to your own car.
Kissing another car while driving, having your car smashed by a tree, forgetting to pull the handbrake and sliding your car against a wall, using the gas as a brake to cause a tree on your car, all of these situations can be compensated for a certain amount of damages by going for car damage insurance.
Car damage insurance has a wide range of claims, which can be compensated as follows:
(1) collision, overturning and falling;
(2) fire and explosion;
(3) falling and collapsing of foreign objects;
(4) lightning strikes, storms, heavy rains, flooding, tornadoes, hail, typhoons and tropical storms;
(5) ground subsidence, cliff avalanches , landslides, mudslides, avalanches, ice traps, blizzards, ice creams, sandstorms;
(6) accidental collision of the cargo carried by the insured motor vehicle and the persons on board;
(7) natural disaster to the ferry carrying the insured motor vehicle (when only the driver is on board).
And one particularly great benefit of having car insurance is the possibility of subrogation.
The car is hit by someone else, and responsibility is determined. It's the other person's responsibility, but if the other person refuses to pay, you can go to his insurance company for subrogation, where the insurance company pays you now, and then the insurance company recovers from the other person.
But also note that there are certain situations where car damage insurance will not cover you.
(
a) Extreme situations such as earthquakes, wars and nuclear leaks are not covered.
(b) Damage to some parts requires the purchase of the appropriate additional insurance to be able to claim, or can not be claimed through the car insurance.
If the car's engine is damaged by water, it is necessary to go through the water-related insurance to make a claim.
Only the glass of the car is broken, which needs to be compensated by the separate glass breakage insurance.
Only broken wheels are not covered.
(c) Failure to find the at-fault party carries a 30% absolute deductible.
The car is parked on the side of the road hit by another car, but can not find the other party, can only go to the car damage insurance to repair the car.
This situation itself is to be compensated by the perpetrator, but because the perpetrator can not be found, so there will be a 30% absolute deductible, this deductible, can only be avoided by purchasing "can not be found third-party special insurance".
(2) Third party liability insurance: compensation for each other, recommended to buy a high amount
Here must first explain a concept.
What is "third party"?
In the insurance contract, the first refers to the policyholder, the second is the insurance company.
The third party in the auto insurance contract refers to the person who suffers bodily injury or property damage due to an accident in the insured motor vehicle, but does not include the person on board the insured motor vehicle or the insured.
When we talked about compulsory insurance above, we mentioned the money to change the lights of the luxury car, you can use this insurance claim.
In terms of the actual use of the process, it is best to buy more than 500,000 yuan.
But we usually recommend that you get $1 million or more for your third party insurance.
If your financial condition is acceptable, buy as much as you can.
(3) Deductible Insurance: Filling in the Pit
The biggest role of deductible insurance is to "fill in the pit".
The pit that is filled is not another pit, it is the pit of the deductible that comes with the division of responsibility.
In the event of an accident, the traffic police will give a certain amount of responsibility according to the size of our fault in the accident.
Full responsibility has the highest deductible, up to 20 percent.
Subsequent liability has the lowest deductible, as low as 5 percent.
And deductible insurance is responsible for just such a deductible.
It's important to note that deductible insurance can have the same exclusions, and it's very important to be aware of them!
(a) Failure to find a third party
We touched on this when we talked about car damage insurance.
When you get into an accident, if the other party hits you and the other party is fully responsible, then of course the other party has the responsibility to compensate you.
But in the process of actual use of the car, there will be some perpetrators are not so conscientious, hit a person also do not contact the victim owner, directly ran away.
This kind of situation, you can also take the car insurance claim, but the insurance company will have a 30% absolute deductible. This absolute deductible can not be avoided through the deductible insurance, you can only go to buy "can not find the third party special insurance" to avoid.
(b) The case of human injury does not cover the self-payment of medicines
Whether it is compulsory insurance or commercial insurance, in the terms and conditions of the hidden set, but also need to pay attention to the owners of the car.
"Compulsory motor vehicle traffic accident liability insurance provisions" stipulates the following:
Article 19 After the occurrence of an insurance accident, the insurer, in accordance with relevant state laws and regulations of the scope of compensation, the project and standards, as well as the agreement of the contract of compulsory insurance, and according to the State Council's competent health department to organize the development of the trauma of the people in traffic accidents, clinical diagnostic and treatment guidelines and the national standards of basic medical insurance, in the The amount of compensation for personal injury or death shall be approved within the liability limit of compulsory traffic insurance. In case of personal injury or death of the victim caused by an insurance accident, the insurer shall have the right to re-approve the amount of compensation promised or paid by the insured without the written consent of the insurer within the liability limit of compulsory traffic insurance.
The Model Provisions of Comprehensive Commercial Insurance for Motor Vehicles of the China Insurance Association stipulates as follows:
Article 36 The insurer approves the amount of compensation for medical expenses in accordance with the "Clinical Diagnosis and Treatment Guidelines for Injured Persons Involved in Road Traffic Accidents" and the standard of the national basic medical insurance for the medical expenses of the same kind.
So the cost of out-of-pocket medicines is not covered by deductible insurance, which car owners must pay attention to~
(c) Not buying the appropriate type of deductible insurance
Deductible insurance is not yet the same as the first two commercial insurances we mentioned.
Car damage and third-party insurance are both primary insurance, while deductible insurance is an add-on.
The additional insurance is required to follow the primary insurance.
The deductible on the car insurance is responsible for the deductible on the car insurance, regardless of the deductible on the third party insurance.
The deductible insurance of the third party insurance is responsible for the deductible of the third party insurance, regardless of the deductible of the car damage insurance.
If you don't have a deductible for the appropriate type of insurance, you can easily lose a lot of money in an accident.
These 3 types of insurance are the more common ones we recommend.
But after all, each car owner needs to encounter the actual risk situation is different, so you need to buy the appropriate insurance for their actual situation.
4. discretionary commercial insurance
(1) motor vehicle damage insurance can not be found third-party special insurance: can not find the at-fault party brought about by the deductible, contracted by this type of insurance
this type of insurance, is one of the car damage insurance additional insurance.
The 30% absolute deductible due to the failure to find the perpetrator, as we mentioned above, is contracted by this type of insurance.
(2) Motor Vehicle Occupant Liability Insurance: Recommended for operating vehicles and private cars that often carry friends and coworkers
This type of insurance is what we usually refer to as "seat insurance".
There are two options for this type of insurance, one for the driver and one for the passengers.
When you take out this insurance, you can use it to claim compensation for injuries sustained by the driver and passengers in your car in the event of an accident.
But this is the type of insurance that we usually recommend to owners of operational vehicles and those who need to carry their colleagues and friends on a regular basis.
If you're just using the car for yourself, your mom or dad, or your wife or kids, we'd recommend buying personal accident insurance instead of seat insurance.
After all, most of the personal accident insurance policies on the market nowadays cover the risks that will be encountered when using private cars, cabs, airplanes, trucks and other means of transportation, and the coverage is relatively high and the price is still cheap.
(3) total car theft insurance: only compensation for the loss of the whole car, parking environment is not good can buy
Theft insurance, full name "motor vehicle theft insurance", that is, your car was stolen, by this insurance compensation.
So your car's wheels were removed by the thief, your car's gas tank was cut a hole by the thief and the gasoline was stolen, and your car's cash, laptops, tablets, and jewelry were stolen, all of which fall under the exclusion of this type of insurance.
So if your car model belongs to the thief's mind, your daily parking environment is not very good, you can consider buying this kind of insurance.
But their car has advanced high-tech GPS positioning, their own neighborhood security is particularly strict, their own well-equipped parking garage, the car was stolen the chances of particularly low, then it is not recommended to buy this kind of insurance.
(4) Scratch insurance: insurance will be calculated the number of times
Scratch insurance is also a car damage insurance is an additional insurance, the car paint was scratched, and not particularly obvious traces of the collision, but also did not injure the body itself, the money to repair the car paint is to go with this insurance.
But it's important to note that scratch insurance is actually not that cost-effective for most car owners who are pretty good drivers and whose cars are not luxury vehicles.
Because the scratch insurance policy counts against the number of times you've been out of your car.
Even if you walk away with scratch insurance just once, for two or three hundred dollars at a time, that number of trips counts.
There will be a change in your overall business insurance premiums next year, and even if you don't buy scratch insurance next year, there's no way to get around that overall change in premiums.
Scratch insurance therefore needs to be purchased and insured with discretion.
(5) glass alone broken insurance: recommended luxury cars, the need to frequently run the highway vehicles to buy
glass insurance, that is, only their own glass damage, there is no place elsewhere broken, is the need to go glass insurance compensation.
So if you have a luxury car, a vehicle that needs to run the highway a lot, it is usually recommended to buy this insurance.
(6) Designated Repair Shop Insurance: Individual insurance companies may designate relatively inexpensive repair shops
Designated repair shops are possible, but it is possible to come across individual insurance companies may designate relatively inexpensive repair shops.
If the insurance company is an older brand with more sites, you don't have to worry about this.
(7) Spontaneous Combustion Loss Insurance: Recommended for Older Vehicles
Spontaneous Combustion Insurance, as the name suggests, is responsible for the car's own oil lines, wires, and other causes of its own fire.
For new cars, we would not recommend buying.
As long as your car is new, the chance of spontaneous combustion is very low because most of the oil lines, wires and other parts are still new.
And as long as your car is still under warranty, if you are really unlucky enough to have a spontaneous combustion, don't be polite and go straight to the manufacturer for trouble, there's no need to buy spontaneous combustion insurance to waste your money.
And the car with more than three or five years, you can buy on the spontaneous combustion insurance, while making sure to cooperate with the routine maintenance.
After all, regardless of whether to buy car insurance, or routine maintenance, the ultimate goal is to protect our daily driving safety ~
(8) water-related insurance: the southern coastal rainy areas to buy
This insurance is responsible for the car wading in the water, the engine was soaked bad by the insurance is responsible for.
Therefore, this type of insurance is usually recommended for the rainy areas in the south.
And inland areas in the north, you can come across a relatively small number of cases of being soaked, so whether you need to buy need to consider discretion.
(9) glass alone broken insurance: luxury cars, often run highway vehicles to buy
As the name suggests, only the glass is broken, by this insurance is responsible for.
Luxury cars due to the glass itself relative to ordinary cars, will be more expensive, you can buy on the glass insurance.
And often run on the highway car, on the road may come across the splash of stones to break the glass of the situation, so you can buy on this insurance.
(10) Cargo liability insurance: trucks to buy
It is the name of the insurance, responsible for the loss of the car cargo.
So it's obvious that this insurance is only required for truck drivers and can be ignored for private cars.
It is also important to note that this insurance only covers cargo. Personal belongings are not covered.
(11) Repair Period Expense Reimbursement Insurance: Generally no need to buy
This insurance may be useful for new drivers, but for most car owners, it is not necessary to buy.
(12) Liability insurance for moral damages: compensation for moral damages, generally not necessary to buy
When there is the purchase of three persons insurance or vehicle liability insurance, you can buy this additional insurance.
Looking at the name, we know that someone is injured, the compensation for moral damage is compensated by this insurance.
But for the vast majority of accidents, the chances of using this type of insurance are relatively low, so it is generally not necessary to buy.
It is common knowledge that an accident this year will have an impact on the premium for the following year.
So how do car insurance premiums change for the coming year?
Let's take a look~
It is important to note that:
The effect of the number of insurance incidents on the premiums for compulsory insurance and commercial insurance are calculated separately.
If you have only taken out compulsory insurance this year and have not touched your commercial insurance, then the premium for compulsory insurance will be affected, and commercial insurance will still enjoy the corresponding discount.
If this year only out of commercial insurance, did not move the mandatory insurance, then the premium for commercial insurance will be affected, the mandatory insurance still enjoy the corresponding discount.
It is important to note that the overall premium for commercial insurance will be affected if any of the insurance types are used.
The change in premiums for compulsory insurance has already been mentioned when we talked about compulsory insurance.
The premiums for commercial insurance are as follows:
Above all,
May you never need to make a claim in your car life.
Related Questions and Answers:The first thing you need to do is to buy a car insurance policy for the second year. The second is the car damage insurance, it is mainly used when the accident, and because it is our responsibility, to repair our own car. The third is the third party liability insurance, if because of the responsibility of our vehicles and traffic accidents, this insurance can give the other party to pay, three at least 500,000 to buy. : Vehicle insurance, i.e. motor vehicle insurance, or car insurance for short, is also known as automobile insurance. It is a kind of commercial insurance that is liable for personal injury or property damage caused by natural disasters or accidents to motor vehicles. Automobile insurance is a kind of property insurance, and in the field of property insurance, automobile insurance belongs to a relatively young type of insurance, which is due to the fact that automobile insurance is accompanied by the emergence and popularization of automobiles and the emergence and development of automobile insurance. At the same time, unlike modern motor vehicle insurance, in the early days of automobile insurance was based on the third-party liability insurance of automobiles as the main insurance, and gradually expanded to the body of the collision loss and other risks. The main commercial insurance policy includes vehicle damage insurance, third party liability insurance, vehicle occupant liability insurance, and total car theft insurance. Motor vehicle damage insurance covers the insured vehicle to suffer from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, the insurer in accordance with the provisions of the insurance contract to pay compensation for a kind of insurance. Motor Vehicle Third Party Liability Insurance covers the insured or the qualified driver allowed by the insured to use the insured vehicle in the course of an accident, resulting in the third party suffering from personal injury or death, or damage to property, and the insurer is responsible for compensating the insured for the amount of money that the insured should pay according to the law. Additional insurance includes glass breakage insurance, vehicle stopping loss insurance, spontaneous combustion loss insurance, additional equipment loss insurance, engine water insurance, no-fault liability insurance, mobility scooter expense insurance, body scratch damage insurance, non-deductible clauses, and on-board cargo liability insurance and other types of insurance. Commercial insurance is variable value insurance, divided into basic insurance and additional insurance, of which additional insurance can not be independent insurance. The basic insurance includes third party liability insurance and vehicle damage insurance (car damage insurance); additional insurance, including total car theft insurance (theft insurance), car liability insurance, no-fault liability insurance, car cargo liability insurance, glass breakage insurance, vehicle stopping loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, non-discriminatory special insurance. We usually say the compulsory insurance (i.e. compulsory insurance for motor vehicle traffic accidents) also belongs to the broader third-party liability insurance, compulsory insurance is a mandatory insurance, motor vehicles must be purchased in order to be able to drive on the road, annual inspection, household, and in the event of a third-party loss of need to pay claims, you must pay for compulsory insurance and then pay for the other types of insurance. Related Q&A: New car insurance renewal for the second year, how to buy?New car second year renewal car insurance, how to buy? New car insurance for the first year for car owners just spend no brain, but the second year to buy when the owners need to brain, after all, only after a year of driving a real car, most car owners simply have not been out of insurance! The first thing you need to do is to get a good deal on a car insurance policy that is practical, and there is no such thing as the best insurance package, but you can combine it with your driving habits, your driving environment, and your regional economy to choose a package that is more suitable for you!
Many new car owners are unfamiliar with car insurance, especially the difference between compulsory insurance and commercial car insurance is even more unclear. Because everyone compulsory insurance and commercial car insurance will be purchased in the same insurance company, so when the insurance only know that they are insured, but do not know what insurance.
Want to know how to choose the insurance package you need to first distinguish the difference between compulsory insurance and commercial car insurance, what they are out of commercial car insurance, what is the case of compulsory insurance?
The full name of compulsory insurance is "compulsory insurance for motor vehicle traffic accidents", belonging to the national mandatory insurance, the car does not buy compulsory insurance on the road is illegal. The insurance company will pay for the damage within the compensation limit when the third party is injured or killed in a traffic accident.
The first important use of compulsory insurance is the function of insurance, when a traffic accident used to compensate for the loss of the third party.
The compulsory insurance is divided into two categories: liability compensation and non-liability compensation, compensation is divided into: compensation for property damage, compensation for medical expenses, compensation for disability and death.
No liability for the total compensation limit of 19,900 yuan, the specific compensation limit for each:
Property loss of 100 yuan medical costs 1800 yuan disability death 18,000 yuan
Liability with a compensation limit of 20 yuan, the specific compensation limit for each:
Property loss of 2,000 yuan medical costs 18,000 yuan disability death 18 million yuan.
No liability compensation is humanitarian compensation, liability compensation limit is not high, but because it is a mandatory insurance, accident compensation is only the basic role of compulsory insurance, in addition, compulsory insurance has a more important role!
The compulsory insurance can also be used to advance the medical expenses, if the traffic accident occurs after no one to advance the medical expenses, then the compulsory insurance can play a role.
If there is a major vehicle collision or pedestrian-vehicle traffic accidents, it is easy to cause injuries to the hospital. Since the current law does not stipulate which party must pay the medical expenses, so there will often be no one to pay the medical expenses of the situation.
Although the law has clearly stipulated that hospitals should not delay treatment because of the lack of advance payment of medical expenses, but the follow-up still need to be paid, then you can through the traffic police to issue a notice of advance payment to the insurance company, the insurance company will be in the mandatory compulsory insurance medical expenses compensation limit for advance payment. The limit of 18,000 yuan can be used to pay for medical expenses, but in many traffic accidents, this is a drop in the bucket of medical expenses, the compulsory insurance has an indirect role in the manifestation!
The compulsory insurance also has an important role to play, is as the main source of funding for the road traffic accident social assistance fund. To the end of the medical costs of compulsory insurance advances, but also to the social assistance fund to apply for advances, advances, in principle, there is no upper limit.
Road traffic accidents social assistance fund is a supplement to the compulsory insurance system, used to ensure that the victims of traffic accidents get timely treatment and appropriate compensation for the special fund. The main sources of funding for the fund are the premiums for compulsory insurance, as well as financial subsidies from local governments and fines for those involved in compulsory insurance.
Commercial car insurance is a voluntary car insurance, in addition to compulsory insurance are commercial car insurance, such as we are familiar with three-person insurance, car damage insurance, seat insurance, scratch insurance and so on. The main insurance is the main insurance and additional insurance, the main commercial insurance can be purchased independently, the compulsory insurance, car damage insurance, seat insurance belongs to the main commercial insurance; additional insurance can not be purchased separately, can only be purchased after the purchase of the main insurance can be purchased, for example, the tire insurance, scratches insurance are belong to the additional insurance.
The most important part of commercial auto insurance is the third party liability insurance, which is also known as the three party insurance. The third party insurance coverage object and scope of coverage and compulsory insurance, are the third party in traffic accidents and property compensation. So it can be understood as an important supplement to the compulsory insurance, but the importance is different.
Three-party insurance is a kind of commercial auto insurance with low premiums and high compensation, and the amount of coverage can be chosen flexibly according to your actual situation. For example, the first-tier cities 2 million coverage is not necessarily enough, but four or five cities 500,000 coverage may be enough.
Three insurance coverage options and the location of the economic level has a lot to do, because the compensation amount of the most accidents is the luxury car repair costs and casualty compensation. Economically developed areas are also relatively more luxury cars, so you need to beware; casualty compensation is linked to the local income level, so economically developed areas will be higher compensation.
The compulsory insurance and the three-party insurance are the third party car insurance, but in traffic accidents also inevitably cause damage to their own vehicles, then you need to car damage insurance to protect their vehicles. If it is an older car is not specifically recommended, but the second year of the new car, it is recommended to buy.
Car damage insurance refers to the occurrence of traffic accidents for which they are responsible, and at the same time, their vehicles are damaged in the accident, which can be compensated through car damage insurance.
Car damage insurance in the 2020 car insurance reform can be said to be the real meaning of the increase in the amount of price, after the reform of the common natural disasters caused by vehicle damage have been included. At the same time, the previous commercial main insurance in the theft insurance into the car damage insurance, but also some additional insurance is also above the inclusion, such as deductible insurance, glass alone broken insurance, spontaneous combustion loss insurance, can not find the third party special insurance, designated repair shop insurance and engine water damage insurance.
For new cars and some new drivers, car damage insurance is more important, if the following situations can be used car damage insurance!
One, the occurrence of their own responsibility for traffic accidents, if caused by the loss of their vehicles. At this time, the traffic insurance or three insurance can compensate each other, but the loss of their vehicles can only use the car damage insurance to compensate.
Second, due to unskilled or other reasons for unilateral traffic accidents, such as hitting a bridge abutment, guardrail, tree or other buildings, then you can be compensated through the car damage insurance.
Three, the southern region of the summer typhoons, rainstorms are more frequent, prone to the formation of water or flooding, when the vehicle was flooded can be compensated through the car damage insurance.
Four, the car is parked in the place where there is no monitoring, by others or the vehicle is intentionally damaged, due to the perpetrator can not be found, then you can be compensated through the car damage insurance.
When you buy compulsory insurance, three-party insurance, car damage insurance, third-party people and cars, their own vehicles are covered, but the passengers in their cars are not covered. This is when you can buy seat insurance to protect against the risk.
Seat insurance, also known as vehicle personnel liability insurance, is divided into the driver's seat and passenger seat. Many people don't buy seat insurance because they have accident insurance, but it's necessary if your car regularly carries other passengers.
Driver's insurance can be purchased separately, but it is not allowed to purchase passenger's insurance separately, so even if you have bought your own accident insurance, if you want to purchase seat insurance, you need to purchase it for the driver's seat in addition to the passenger's seat. Not enough premiums are not expensive, just as an additional protection!
After the introduction of several different kinds of car insurance, the following to explain the occurrence of traffic accidents out of insurance. This is because many car owners are misled to a certain extent that it is not cost-effective to insure against minor accidents.
Traffic accidents out of insurance we first need to be clear about what is out of insurance, or every small accident are private, not only waste of their own insurance, but also spend more money.
Generally with non-motorized vehicles or pedestrians in traffic accidents are known to report alarm insurance, and then go to the hospital to check or in the traffic police witnessed the signing of the mediation. But a lot of small accidents with other vehicles, many times see the other vehicle damage is not serious, the result is not reported to the insurance and give money to private. The reason for this is that in addition to some people are too much trouble, more is the feeling that a few hundred dollars to report the insurance will result in higher premiums for the next year.
The current year has a record of insurance, the next year's premium is indeed no discount, but it is not will be more cost-effective than your insurance. Because as long as it is less than 2,000 yuan of vehicle repair costs, are through the compulsory insurance claims. The maximum discount for compulsory insurance is 30%, if the base premium is 950 yuan for a five-seater car, a 30% discount is only 285 yuan. But now you anytime a private are at least 200 yuan or more, city traffic is inevitable bump, a few private money is estimated to be enough for next year's premiums.
So when we have caused damage to the other vehicle liability traffic accidents, do not easily go to the negotiation of private, as long as within 2,000 yuan will not affect the commercial auto insurance rates. Regardless of how many times the compulsory insurance, as long as it does not exceed the limit, you do not need to use the commercial car insurance, which will not cause the commercial car insurance premiums to rise.
If in a traffic accident caused by the loss of their vehicles, if the same is their responsibility, then the other party needs to compensate. Whether or not to use the car damage insurance to compensate depends on the specific severity of the damage, then easily out of the insurance will lead to a larger increase in premiums for the next year!
If the vehicle damage is not serious, will not have an impact on the normal driving, then you can not care about it, of course, if the other side of the private pay, we can not repair. Waiting for similar small scars more often, we then find a suitable opportunity to go together with the insurance for repair, the ideal is to go to the other side of the insurance!
Lastly summary: In addition to compulsory insurance, the purchase of commercial auto insurance needs to be combined with the actual situation, as far as possible with lower premiums to get more comprehensive coverage! In addition to traffic accidents, as far as possible to use insurance to insure their own interests!