How to buy auto insurance?
With the economic growth, cars are no longer luxury accessories. Many people start to buy cars, but they have to buy auto insurance after buying them, but many car owners don't know how to choose. So, how to buy auto insurance? Let me show you the car insurance plan. Recommended insurance combination for basic insurance: compulsory insurance+third party liability insurance+vehicle personnel liability insurance.
The scope of protection is mainly to avoid traffic accidents involving third-party casualties, and it is suitable for car owners who have long-term use of vehicles, are skilled in driving skills, and are willing to bear most of the risks themselves and reduce insurance expenses.
Economic security
Recommended insurance combination: compulsory insurance+third party liability insurance+vehicle personnel liability insurance+car damage insurance+theft and emergency rescue+excluding deductible.
Most of the insurance liability accidents covered are applicable to vehicles that have been used for three or four years, and the value is not high. Owners who have certain driving experience, are very good at driving, pay great attention to vehicle maintenance and safety protection at ordinary times, are not rich in economy, and are willing to bear some risks themselves are the best economic choice.
Best guarantee
Recommended insurance combination: compulsory insurance+third party liability insurance+vehicle personnel liability insurance+car damage insurance+theft insurance+excluding deductible+separate glass breakage insurance+separate mirror or lamp breakage insurance+scratch insurance.
The scope of protection basically covers insurance, liability and minimizing losses. Especially that vulnerable part of the vehicle. Suitable for general companies or individuals.
Comprehensive guarantee
Recommended insurance combination: compulsory insurance+third party liability insurance+vehicle personnel liability insurance+car damage insurance+theft rescue+excluding deductible+broken glass+broken mirror or lamp+scratch insurance+spontaneous combustion insurance+other additional risks.
The scope of protection covers all insurance liability accidents, comprehensively covers the scope of insurance liability and minimizes losses. Suitable for new car novices and car owners who are in good economic condition and need comprehensive protection; Institutions, institutions and large companies.
Tip: How to buy auto insurance? Choosing what suits you is the most important thing. I hope that the majority of car owners will insure their cars according to their actual conditions and needs, so that their cars can get the best protection. You can also learn about the scheme of buying vehicle insurance in order to choose the right insurance.
Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge. The existence of law can help us to deal with some things around us better. If you have any other knowledge you want to know, you are welcome to consult a lawyer.
How to buy auto insurance @20 19
Knowledge introduction of vehicle insurance products
Insurance Bian Xiao helps you answer, and more questions can be answered online.
There are two main types of auto insurance, one is commercial insurance and the other is compulsory insurance.
The so-called commercial insurance is for the purpose of business, and it is an insurance item that car owners choose to buy voluntarily. Compulsory traffic insurance is compulsory insurance required by the state, and it is compulsory liability insurance for insurance companies to compensate victims for personal injuries and property losses caused by road traffic accidents of insured motor vehicles within the limits of liability.
Commercial insurance is divided into basic insurance and additional insurance.
I. Basic insurance
1. Automobile damage insurance
Car damage insurance means that the insured or its licensed driver has an insurance accident while driving the insurance vehicle, which causes the insurance vehicle to be damaged, and the insurance company will compensate it within a reasonable range. Simply put, it is a kind of insurance used for collision maintenance of your car when it has an accident.
2. Theft and rescue
The loss of the vehicle caused by the theft, robbery or robbery of the whole vehicle, the damage caused in the process of theft, robbery or robbery, or the reasonable expenses for the loss of parts and accessories that need to be repaired on the vehicle. You can choose to buy a whole car for theft and rescue according to your actual car use. If you live in the city and have safe parking spaces at home and at work, then the owner can ignore the risks.
3. Third party liability insurance
If the insured or the driver has an accident in the process of using the vehicle, causing personal injury or property loss to a third party, the insured shall bear the economic responsibility and the insurance company shall compensate. This kind of insurance is of great significance. Bian Xiao thinks that there is no insurance to buy, but this insurance must be worth buying. In case you accidentally hit a pedestrian or a luxury car, you will definitely regret not taking this insurance. The recommended insurance coverage for cars in big cities is above 300,000.
4. Vehicle personnel liability insurance
Refers to the person who is liable for the casualties caused by the traffic accident of the insured vehicle. The compensation for this kind of insurance is very low. If you don't often run on the highway and take out other personal accident insurance, the liability insurance for people on board can be ignored.
Two. Additional risk
1. Special insurance with deductible is not included.
After the insured accident, the insurer shall be responsible for the deductible agreed in accordance with the corresponding main insurance clauses, and the part of the deductible that should be borne by the insured. After insurance, the owner can not only enjoy the part of compensation that should be borne by the insurance company according to the insurance clauses; You can also enjoy the amount of compensation that the owner should bear because of his responsibility in the accident.
2. Vehicle scratch insurance
Scratch insurance means that during the insurance period, the insured vehicle is scratched by the paint on the body surface without obvious collision marks, and the insurance company is responsible for compensation according to the actual loss. Scratch insurance is an additional risk of vehicle loss insurance, that is, it can be insured under the condition of vehicle loss insurance, but it cannot be insured separately. General vehicle scratch insurance only covers new cars in the first three years. Bian Xiao suggested that this kind of insurance is necessary for the last time in the third year, and it is not necessary to cover all the first three years. If it is an economy car, you don't need to take out this insurance.
3. Separate glass breakage risk
Refers to the damage of the front and rear windshield and side window glass of the insured vehicle alone. To put it more bluntly, the accident of the vehicle did not cause other losses, but only caused the loss of front and rear glass and side window glass, and the insurance company paid for it. The probability of car glass breaking is high, and the price of accessories is not cheap. It is recommended to take out this kind of insurance.
4. Vehicle spontaneous combustion insurance
In the process of using the insured vehicle, the insurance company will compensate for the loss of the insured vehicle caused by problems in its circuit, circuit, oil circuit, oil supply system and goods itself, as well as the fire caused by friction during the operation of the motor vehicle, and the reasonable rescue expenses that the insured must pay to reduce the loss of the insured vehicle when an insurance accident occurs.
5. Engine special loss insurance
The engine special loss insurance is also called W.P.A.. It is mainly to ensure that the engine damage caused by the vehicle wading or being flooded on the stagnant water road surface can be compensated. Even if the owner forcibly starts the engine after being damaged by flooding, the insurance company still pays.
6. Add equipment loss insurance.
Responsible for compensating the direct loss of new equipment on the vehicle caused by accidents such as collision. For example, DVD navigation, modified audio, leather seats and other direct damage, the insurance company will compensate according to the actual loss.
How much is the total insurance for vehicle insurance?
For car owners, it is necessary to buy auto insurance, and some car owners will choose to buy full insurance for convenience. What does vehicle insurance cover? Generally speaking, auto insurance mainly includes compulsory insurance and basic insurance in commercial auto insurance, and the specific types of additional insurance vary from company to company. The basic insurance of auto insurance, also known as the main insurance, is that you don't need to bring it ... If you want to know more about the total insurance of auto insurance, please take a look with me.
Basic automobile insurance
Basic insurance, also known as main insurance, refers to a separate insurance that can be independent without other insurance. In the main insurance, basic insurance includes four independent individual insurance types besides compulsory insurance stipulated by the state, including vehicle loss insurance, commercial third party liability insurance, vehicle personnel liability insurance and vehicle theft insurance. Choosing "all risks" is equivalent to choosing four basic risks, which can effectively prevent losses.
Automobile additional insurance
The so-called additional insurance refers to adding an additional contract on the basis of the basic insurance contract. Additional insurance is the welfare that the insurance company gives you after you buy the main insurance, so that you can spend less money on insurance and make the protection more comprehensive. Take car damage insurance as an example: glass breakage insurance, body scratch insurance, water-related insurance and spontaneous combustion insurance are all additional risks. If you don't insure additional risks, the premium will be much cheaper, but in case of corresponding losses, you can't get compensation. Car owners can purchase flexibly according to their own characteristics, saving premiums to the maximum extent.
Tip: What types of insurance does vehicle insurance cover? Vehicle insurance generally includes compulsory insurance, vehicle loss insurance, third party liability insurance, vehicle theft insurance, car body scratch insurance, vehicle personnel liability insurance and so on. Moreover, the "full auto insurance" of various insurance companies contains different specific types of insurance, with 9 kinds more and only 5 kinds less.
What are the types of auto insurance?
Auto insurance is the property insurance that is most closely related to us in our daily life, but it doesn't mean that everyone knows about auto insurance. There are many types of auto insurance, and many people may not know the corresponding protection content of each type of auto insurance. So what are the types of auto insurance? This article will introduce several common auto insurance for you. Compulsory insurance: the insurance that motor vehicles must buy, the scope of protection ... If you want to know more about automobile insurance, let's take a look.
Compulsory insurance:
Motor vehicles must buy insurance, and the scope of protection includes basic protection such as casualties and property losses caused by traffic accidents.
Vehicle loss insurance:
As the name implies, it is an insurance product with vehicle loss as the subject matter of insurance. It costs a lot of money to repair the damaged car. Buying this insurance can transfer this risk to the insurance company, and it is recommended to buy it, especially for cars with higher prices.
Third-party liability insurance:
It protects the third party from personal injury and property loss caused by accidents during the use of the vehicle. It is recommended that car owners buy one for their cars.
Vehicle personnel liability insurance:
After a vehicle accident, casualties on the vehicle will cause certain losses, which is exactly what the vehicle liability insurance covers. It is recommended for novices or consumers who need to drive frequently to buy.
Vehicle theft and rescue:
Share the reasonable repair costs of vehicles lost or damaged due to theft, robbery or robbery. It is recommended to buy high-priced vehicles.
Spontaneous combustion loss insurance:
High temperature in summer is easy to cause spontaneous combustion of vehicles, thus causing huge losses. It is recommended that second-hand car owners buy.
Body scratch insurance:
The paint on the body surface is scratched separately, but there are no obvious collision marks, and the body may pay for it free of charge. Suitable for new car and novice customers.
How to buy auto insurance is the most cost-effective;
1, the new car is suitable for buying the following auto insurance:
First, the vehicle scratch insurance
B, vehicle theft and rescue
C, vehicle loss insurance
D, third party liability insurance
2. Old cars are suitable for buying the following auto insurance:
When the owner insures the old car, it is best to make a certain estimate of the value and possible value changes of the car, and don't waste money. Theft insurance is basically a necessary insurance for new and used cars, but unlike car damage insurance, the cost of insurance and accident insurance is calculated according to the immediate value of the car, so the owner must consider the factor of shrinking car price when choosing.
Finally, when buying a used car, the owner had better ask for the original car insurance policy, especially some old cars that don't tie in with auto insurance and don't offer insurance policies on their own initiative. Maybe if you are not careful, the buyer will have to pay an extra premium for the "criminal record" of this car.
Before buying insurance, car owners should first find out what kinds of auto insurance are available, and then choose the appropriate insurance according to the actual situation of their vehicles. Don't buy one at random, not only wasting money, but also not paying for special circumstances.
Detailed introduction of automobile insurance
Many people who own a car or are considering buying a car will consider buying insurance for their cars. The following is the detailed information about automobile insurance that I have compiled for you. I hope it works for you.
Automobile insurance strategy
First, the state compulsory car insurance premium and travel tax.
Compulsory insurance for private cars:
First year: 5 950 yuan, 6-8 1 100.
Second year: 855 yuan, 990.
The third year: 760 yuan, 880.
Fourth year: 665 yuan, 770 yuan.
Fifth year: 665 yuan, 770 yuan.
This kind of premium is uncertain and has something to do with getting out of danger, getting out of danger and transferring ownership. If you violate any of the above, the premium will change.
Travel tax:
Maximum 1.0L: 180 yuan/year.
1.0~ 1.6 liter: 300 yuan/year.
1.6 ~ 2.0L: 360 yuan/year.
2.0~2.4 liters: 660 yuan/year.
2.4 ~ 3.0l: 1500 yuan/year.
3.0~4.0 liters: 3,000 yuan/year
Above 4.0 liters: 4,500 yuan/year
Required information, personal car: 1. Two copies of the front and back of the owner's ID card. Copy of driver's license; Company car: 1. 2 copies of organization code certificate. Copy of driver's license.
2. What does auto insurance include?
1. Compulsory insurance
2. There are four main risks in commercial auto insurance:
① car damage insurance: code a.
② Three risks: code B.
③ code of liability insurance for personnel on board: d.
④ Theft and rescue G
There are five main additional risks:
① glass code: f
② Temporary code: L
③ spontaneous combustion code: z.
④ No deductible code: m.
Engine special loss insurance code x
Characteristics of compulsory insurance:
Public welfare, compulsion and universality. The purpose of establishing compulsory insurance is to make the victims in traffic accidents get timely and effective treatment. Compulsory: compulsory underwriting, which cannot be refused. Extensive: as long as it is a motor vehicle, it can be underwritten. Drunk driving, intentionally hitting people, and paying strong insurance are also to protect victims, which reflects public welfare. Of course, in this case, the insurance company will pay the medical expenses first, and then file an investigation to recover from the driver. No compensation for compulsory insurance: no compensation for touching porcelain.
Characteristics of compulsory insurance:
The principle of itemized compensation, the principle of floating rate, and the principle of rewarding the superior and punishing the inferior.
What problems can compulsory insurance solve?
Example: the car hit a tree and only gave it a strong insurance. Assuming that the tree doesn't pay, can the loss of the car be settled? Answer: No, because compulsory insurance only pays the injured party in traffic accidents, so in this example, the injured party is a tree. If you don't pay for the tree, you won't get any insurance compensation for the loss of the vehicle.
Let's look at another case: a Jetta behind and a Mercedes in front suddenly had a traffic accident in front. Mercedes suddenly braked, Jetta didn't brake, and the rear-end collision broke the bumper of Mercedes. Bad luck, but it's good to have auto insurance. Mercedes-Benz called the 4S shop to inquire about the repair fee, and the two sides negotiated to solve the claim. 4S shop replied to Mercedes-Benz, 40,000 pieces of accessories need to be transported by air. There is no such accessory in China. Jetta owners think that 40,000 yuan is not expensive, and the light traffic insurance is 1.2 million. The result was dumbfounded: compulsory insurance regulations: the maximum compensation for property losses caused by accidents is 2000. That is to say, because he only took compulsory insurance, but not commercial insurance, he had to wait for Jetta to pay for 38 thousand.
The maximum amount of claims for compulsory insurance is 6,543,800+0.22 million.
Everyone is very happy to hear it, quite a lot. Ordinary vehicle losses are enough. Don't be too happy. Compulsory insurance also has a principle of itemized compensation:
Collision death: 1 10000
Collision injury: 10000
Property losses caused by traffic accidents: 2000.
This is the compensation when the insured is responsible. When the insured is not responsible, the compensation limit for death and disability is 1. 1 000, the medical expenses are 1 000, and the property is 1. It means: that's the total insurance amount for one year, and the claims for several accidents should be added up. If you exceed it, you will pay the price. Therefore, if you really encounter an accident, it is very expensive to pay for it yourself.
Commercial three risks:
There is a saying in the industry: car owners without commercial three risks can't afford to be injured. Some people will feel resistance when they see commercial insurance and commercial auto insurance: commercial insurance is profitable, not welfare, which is quite right. But now the insurance claims rate is also very high, especially auto insurance, and claims are the benefits for car owners.
Definition: Commercial third party insurance is a kind of insurance in which the insurance company is liable for the losses of the third party. The third party refers to the third party victim who suffers losses due to the accident of the insured vehicle except the insured, the insured and the insurer.
Analysis:
Third-party insurance is paid to third parties, excluding your family. There is a case: when reversing, a person is inexperienced, leaving his family behind the car, coupled with unskilled technology, and stepping on the accelerator, resulting in the death of his family. In this case, auto insurance can't be settled. If you are an outsider, you can ask for compensation. This is also to prevent fraudulent insurance and deliberately hurt family members.
There is no principle of item-by-item compensation, and losses will be compensated.
If the insurance amount is not accumulated, for example, the insurance amount of 654.38+ 10,000 is insured. After the first insurance claim, the second insurance amount is still 654.38+ million, and the last payment amount will not be deducted because of the first claim.
The premium of commercial three risks: generally ranging from several hundred yuan to 50,000, for example, 600 will cover 6,543.8+10,000, 800 will cover 200,000, and 6,543.8+10,000 will cover 300,000. The suggested amount is above 200,000. Without it, it would be really weak in an accident. I was dumbfounded when I met an accident. Beijing's commercial third-party insurance claims rate is quite high.
Automobile damage insurance:
If the insured or its permitted driver has an insurance accident while driving the insured vehicle, causing damage to the insured vehicle, the insurance company shall compensate the insured vehicle within a reasonable range.
Car damage insurance is insurance against the loss of the vehicle itself. No car damage insurance, no additional insurance. Common car damage: collision, overturning, natural disasters, etc. The premium is generally 65,438+0,000 plus 65,438+0,000,000, which is related to the model price of the vehicle and is equivalent to one day's 3 yuan. The claim rate of this insurance is also high.
Personnel on board:
Responsible for compensation for casualties caused by traffic accidents of insured vehicles. One driver plus four passengers. Generally, each person's insurance coverage ranges from 1 10,000 to 30,000, with a premium of about 40, one passenger's 20 yuan insurance coverage ranges from 1 10,000 to 300, and four passengers' insurance premiums range from 1 10,000 to 300. It is suggested that car owners should also remind passengers to give themselves accident insurance when there is personal insurance in the car. Accident insurance 100 to 500, with a coverage of tens of thousands to hundreds of thousands. In several cases, a friend hitchhiked and had an accident, and both sides went to court. It's just about money. You should learn to pass these risks on to the insurance company, not the driver, so that you can't afford to get hurt. I once refused a friend who had no accident insurance to ride in my car, and my friend understood. For friends hitchhiking, the law stipulates that the carrier has the legal obligation to safely deliver the prize-winning passengers to their destinations, regardless of whether the passengers hitchhike with or without compensation.
Full name of theft and rescue:
The whole car is stolen and rescued, even if a wheel or mirror is lost, it can't be compensated. Requirements for emergency claims for theft: after the car is stolen, report it to the public security department at or above the county level, and if it is not found for three months, you can claim compensation.
Engine special loss insurance:
Also known as "water-related insurance", cars with car damage insurance can be covered by this insurance. In other words, without the main insurance of commercial insurance, this can't be taken. When the vehicle enters the water, the vehicle damage insurance can pay for the damaged part of the vehicle except the engine, and the resulting engine damage can only be paid by the water insurance. Responsible for the reasonable expenses of rescue of insurance vehicles when wading or wading on water-logged roads. The engine damage caused by the flood can be compensated. However, if the owner forcibly starts the engine after being flooded, causing damage, the insurance company will not compensate even if the water-related insurance is purchased. All vehicle insurance does not include water insurance, and vehicle damage insurance does not include engine loss insurance. Many friends think that everything will be fine if you get all the insurance. In fact, many times "all risks" does not include "water-related insurance". The so-called "all risks" generally refers to all the main risks, and additional risks such as water-related risks need to be purchased separately. As an exemption, if you want to insure the engine, you must buy additional insurance for the engine.
Risk of glass breaking alone:
In insurance accidents, glass breakage usually occurs with the loss of other parts of the vehicle. At this time, glass breakage belongs to the scope of liability of vehicle damage insurance. When the glass is broken alone, it does not belong to the scope of car damage insurance at this time, but belongs to the responsibility scope of glass insurance. At this time, if there is no glass insurance company, it will not pay.
Scratch insurance:
Scratch insurance can be insured or not, depending on the economic ability of the owner. The premium of scratch insurance is generally in 400 yuan 2000. Compared with other auto insurance projects, such as "three insurances", 600 yuan's insurance is still relatively expensive, 654.38+10,000 yuan, but scratch insurance can only be applied to new cars within three years, and general insurance companies refuse to insure old cars with scratch insurance. To tell the truth, you can drive with scratches, but you can't drive with car damage or broken glass. Because scratches are easy to occur, the claim rate of scratch insurance is quite high. An insurance company introduced: Give scratch insurance to auto insurance. Why can it be like this? In fact, the location of the scratch was disguised as a car damage and applied for compensation. But if this happens, the car damage can't cover up the scratches: the body is painted. At this time, there is no risk of scratches. How does this insurance company settle claims? Therefore, we should keep a clear head and consider the problem carefully, and don't be tempted by such words as "it's very cheap to buy auto insurance here" and "scratch-free insurance". Cheap will inevitably lead to low insurance coverage.
Spontaneous combustion insurance:
Generally, new cars have self-protection and do not need self-ignition insurance. Old cars need to be burned because of the aging of power supply lines and oil circuits. In another case, because the goods on the car and the outside temperature are too high, the car burns, which also belongs to the scope of self-ignition insurance claims, so new cars can also be insured against self-ignition insurance, especially friends who often drive when the temperature is too high in summer.
Excluding deductible insurance:
It is stipulated in the commercial third party liability insurance clause that the insurer will take a certain liability exemption rate according to the driver's responsibility in the accident, and the main liability will be exempted from compensation15%; Take equal responsibility, exempt from10%; Take secondary responsibility, exempt from 5%; Take full responsibility and avoid 20%.
In addition, don't put all the documents in the car, put the driving license in the car, and carry other documents with you to avoid damage to the documents caused by the loss of the car. If there is no certificate, some free compensation will be deducted, 0.5% of the lost key chain and 3% of the spare key chain.
Summary:
1. Compulsory insurance must be paid, bearing in mind the payment period.
2. Car damage insurance: If you have to buy a car, it is recommended to cover all risks.
3. Third-party insurance: compulsory. The recommended coverage is more than 200 thousand, generally 500 thousand to 6.5438+0 thousand, and the economic conditions are much better.
4. There is no need to board more people, about 20,000 drivers and about 0/10,000 passengers. Of course, this is already the case with personal accident insurance. A seat costs more than 20 yuan to manage 1 10,000, so it is better to directly handle personal accident insurance.
Note: Medical expenses caused by traffic accidents are not reimbursed by social security.
5. Stealing and saving should be done.
6. Scratches and glass insurance are more expensive, and scratches can be avoided. Glass insurance depends on your own financial ability. Classic cars must use self-ignition insurance, and new cars can be ignored for the time being.
Whole life insurance's misunderstanding
1, social security is enough.
This is the inertia thinking left by the planned economy era. At present, many companies have purchased insurance for individuals, among which social insurance is compulsory, including old-age insurance, unemployment insurance, sickness insurance, maternity insurance and industrial injury insurance. However, these insurances only provide the guarantee of maintaining the most basic living standard, and cannot meet the family risk management planning and high-quality retirement life. Especially for the pillar supporting the whole family, you must buy an accident and whole life insurance to prevent the family's financial resources from being subverted in case of an accident.
Whole life insurance can only get insurance after his death, so it's useless to get insurance.
Insurance is not about illness or death, but about financial security in the event of misfortune. We must buy the backbone of the family and provide economic security for the whole family.
3. whole life insurance has a high security, and anyone can buy it.
According to the restrictions of insurance companies, the elderly are not allowed to buy. At the same time, because the life insurance rate is calculated by age, it is not cost-effective for the elderly to pay more, so you can buy accident insurance to protect it.
4. Term life insurance is cheaper than whole life insurance. Buy term life insurance.
What auto insurance claims knowledge must the owner know after the insurance vehicle is out of danger?
Report the case in time. After the accident of the insured vehicle, the owner should report the case to the insurance company within 48 hours, inform the insurance company of the license plate number and the name of the insured, and inform the insurance company of the location of the damaged vehicle so as to investigate and determine the damage, and carefully fill out the Notice of Motor Vehicle Insurance Accident/Claim. The documents are complete. If the insured wants to get insurance compensation smoothly, he must pay attention to keeping all kinds of documents. After the accident, the motor vehicle insurance applicant shall keep the bills and vouchers when the traffic police team handles the accident in accordance with the Measures for Handling Road Traffic Accidents. In addition, when the insured claims from the insurance company, he should also prepare the original and photocopy of the motor vehicle insurance policy; Notice of motor vehicle insurance risks and claims; Driver's license and photocopy and other documents. Try to use the "National Auto Insurance Payment Service". Nowadays, many people with cars like go on road trip. How do they solve the claim when their car is out of town? According to industry insiders, the insured should try to use the "auto insurance payment service" when purchasing auto insurance. Through the online authorization of the reporting agency, all claims processing operations are completed by the agency where the insurance accident occurred, and the claims are paid through the online claims system. Settle claims in time to prevent the adjuster from getting in the way. Precautions for claim settlement: Don't always make unsuccessful claims: After a traffic accident, you like to solve personal problems, that is, you are afraid of trouble. You think it's a waste of time to settle claims, and you'd rather waste these hours arguing with the other owner. As a result, the settlement time is delayed again and again, and often both ends are not compensated, and the bitter water can only be swallowed. Therefore, when a traffic accident happens, if the accident is not small, it is best not to involve individuals, let alone swallow it. Don't settle claims every time: even a little scratch has to be settled by the insurance company. Doing so will not only waste time, but also increase its own claim rate, because insurance companies will have a certain discount every year according to the owner's risk rate. Let's take Pacific Insurance Company as an example. Pacific Insurance Company stipulates that after the insured vehicle has been out of danger for three times, from the fourth accident onwards, the insurance company will increase the deductible by 5% for each additional insured accident, and the maximum deductible within one year will be 15%. From this point of view, it is not worth paying for that small loss. Therefore, it is suggested that car owners do not need to waste energy in the case of small losses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.