Is it necessary to buy insurance? It can be said that everything that must be bought is forced to be bought by the state.
For example, our social insurance, and our traffic insurance. In fact, insurance is very close to our daily lives. For example, when we fly, we will not pay attention to purchasing aircraft insurance, including aircraft body insurance, third-party liability insurance, passenger statutory liability insurance, etc.
But we should pay attention to the difference between social insurance and commercial insurance.
Society is protected by the public power of the state, and the state provides various security services. There are not many general disclaimers. Everyone thinks our medical insurance is the most appropriate.
No matter what kind of disease, no matter whether we are sick or not, as long as we pay the corresponding social security, we will enjoy the corresponding medical insurance protection. But if you want to sign up for commercial medical insurance, haha, no company will insure you if you get cancer.
In fact, this is even more true for our pension insurance. In 2017, the national public finance invested 800.4 billion yuan in employee pension insurance to ensure the payment of employee pension insurance benefits. Every year, the state issues executive orders to increase retiree pensions. Although some people used to pay only tens of thousands of yuan in pension insurance from their work units and individuals, now they can get tens of thousands of yuan in pension insurance a year.
This is especially true for urban and rural residents’ pension insurance. All the money paid by individuals is deposited into personal accounts and distributed monthly according to retirement age. If it is not paid out, it is paid to the heirs. If all contributions are paid, the state will subsidize the same amount to ensure equal treatment. At the same time, the state also subsidizes basic pension insurance for urban and rural residents to ensure everyone’s retirement benefits.
In fact, although everyone is complaining that the pension insurance for urban and rural residents is low, it is not enough for living expenses. However, as we all know, this kind of insurance is public welfare in nature. After all, our country has a big market and the level of protection cannot reach a very high level.
Doing business is about making money, or at least not losing money. Then why do you pay tens of dollars or hundreds of thousands of dollars?
In fact, it is all carefully calculated by our actuaries. Based on the probability theory of advanced mathematics and other factors, the possibility of insurance is calculated, and then the costs and profits of commercial insurance companies are considered to ensure that commercial insurance companies will not suffer losses with a high probability. Basically, the more people who are insured, the more stable the profitability of commercial insurance companies. This is also the reason why many Internet giants have squeezed into the insurance industry.
For us personally, there is actually a need. If we are afraid that something will happen, we can selectively purchase some commercial insurance to provide our family with more adequate protection.
But for us low-income people, it is really not necessary. Therefore, I hope you can understand the role of insurance more accurately. Related Q&A: Is it necessary to cover car damage when buying car insurance? Has the car been driven for 6 years?
A 6-year-old car is not considered new, but it is not considered old either. It is at least 50% new. If you are hit and need to replace the headlights, the price is the same as replacing the headlights of a new car within one year.
Of course, new cars are precious. If they break down, they have to be repaired by a 4S shop. Car repairs and maintenance are expensive, but old cars are not treated as well. Most of them go to roadside quick repair shops for maintenance and repair, and the prices are much cheaper.
If you usually go to a quick repair shop for maintenance, small scratches and bumps really don’t cost a lot of money. In addition, the driver is an experienced driver, so the probability of accidents is relatively low.
It seems reasonable to think so.
But even if there is no chance of an accident, what if a big accident happens one day?
You said the car is worthless, but at least it is still worth half of the money. If you repair it at a quick repair shop, the labor cost can indeed be reduced a lot, but the difference in spare parts is not too big.
Coupled with the pricing rules of car damage insurance, the premium is not calculated based on the purchase price of the new car, but based on the depreciated price of the vehicle, and the premium should be appropriately cheaper.
Miki believes that even if the car is 6 years old, you can still consider buying car damage insurance. It is good to buy such a combination: "compulsory insurance + commercial third party insurance + car damage insurance + no deductible" .
Based on my personal experience, this is how I purchase car damage insurance for your reference.
1. The new car I bought cost over 100,000 yuan. In the first three years, the insurance company will sell it to you according to the face value of the new car. It is not cost-effective. However, since it is a new car and I have no choice but to buy it, I can only do this;< /p>
2. Compulsory traffic insurance is a must. It is recommended to buy at least 50 to 1 million for the three;
3. When making a claim for car damage insurance, the compensation will be based on the value of your car. The less cost-effective car damage insurance is;
After 4, 2 or 3 years, as the number of ordinary family cars increases in the market, repair parts become cheaper and cheaper. At this time, there is no need to buy car damage insurance. Yes, you will be fooled if you buy it. Of course, whether you buy it or not depends on your driving skills;
5. Follow traffic rules and avoid scratch accidents. Taking good care of your vehicle is equivalent to buying car damage insurance. . My car's front bumper has been replaced once, the water tank has been replaced once (not a human fault), and the paint has not even been touched up.
The subject’s car has been driven for 6 years. If it is a car worth more than RMB 400,000 or RMB 500,000, you should continue to buy car damage insurance. If it is an ordinary family car, there is no need to buy car damage insurance. Because car damage insurance accounts for more than half of the total vehicle insurance amount, it is very uneconomical.
Introduction: Is it necessary to buy car damage insurance? If it is a new car, it is recommended to buy it. If the car is very old, consider buying it. In simple terms, car damage insurance can compensate you for vehicle-related losses caused by an accident. Among them, if the glass is broken alone or the rearview mirror is damaged alone, it is not covered by the insurance.
Regarding the question of whether it is necessary to buy car damage insurance, we must first understand what car damage insurance is? Car damage insurance refers to a type of car commercial insurance in which the insured or the driver permitted by the insured causes damage to the insured vehicle due to an insured accident while driving the insured vehicle, and the insurance company will compensate within a reasonable range.
For car owners, is it necessary to buy car damage insurance? In fact, car damage insurance protects the loss of a motor vehicle when its body, parts, and related equipment are damaged. Its insurance liability is one for accidents caused by collision, and the other is vehicle damage accidents caused by non-collision. The former refers to the accidental collision between the insured vehicle and other things, resulting in damage to the vehicle, such as a car hitting a wall. , trees, other vehicles, pedestrians, etc., all fall into this category, while non-collision types generally refer to such situations.
For example, natural disasters such as floods and mudslides, accidents such as fires and explosions, and accidents caused by glaciers, etc., are all covered by car damage insurance. Because of the wide scope of protection, the answer to the question of whether it is necessary to buy car damage insurance is definitely yes.
Since car damage insurance has so many benefits, why don’t many people buy car damage insurance? Some car owners comment on car insurance that car damage insurance is a scam. That’s because after your car has an accident, car damage insurance has strict regulations on the scope of claims. Tires, glass, and lamps are very easy to break. Parts and components will not be compensated. Moreover, the premium in the second year will be much higher than in the first year. Therefore, after purchasing car damage insurance, many people do not dare to go to the insurance company to make a claim even if some minor scratches occur. Therefore, for many experienced drivers, , car damage insurance is of no use at all, and buying it is a waste of money.
Car damage insurance is generally applicable to five situations: first, the vehicle collides or overturns; second, the vehicle catches fire or explosion; third, the vehicle collapses or falls due to the collapse or fall of external objects, or the insured vehicle falls parallel to the vehicle while driving. loss; fourth, the vehicle encounters natural disasters such as lightning strikes, storms, tornadoes, heavy rains, floods, tsunamis, subsidence, ice collapse, cliff avalanches, avalanches, hailstorms, mudslides, landslides, etc.; fifth, the vehicle has a driver on board to take care of it Next, the ferry carrying insured vehicles suffered from the above natural disasters and caused vehicle losses.
For minor accidents of more than 1K, car damage insurance can be used once, but it basically won’t compensate you much, and all car insurance discounts will be canceled after use, which is very uneconomical. It costs a few hundred dollars more. Thousands of dollars. Therefore, for minor accidents, car damage insurance is of little use.
For major accidents, Scenario 1: Hit the wall and fly off the road. If you can't avoid this even when driving, you might as well buy a car and damage it, there is no solution. In addition, it is best to buy more personal insurance
Situation 2: The other party is fully responsible for a car crash. Using the other party's insurance to repair the car has nothing to do with your own insurance.
Situation 3: Car collision, 50% responsibility, the three parties will be insured to compensate the other party for 50%, and the car damage insurance will be 50% for yourself.
If the car is damaged without buying it, you will have to pay 50% of the cost of repairing the car yourself. Of course, we must go through the accident process and not hit the wall.
I have been driving the car for six years. Do I need to buy car damage insurance? I think it depends on the car!
The so-called car damage insurance is: when your car is damaged due to an accident, the cost of repairing the car will be paid by the insurance company. If the vehicle is totaled in a collision, compensation will be paid based on the insured value of the car damage insurance you purchased. (The value preservation is based on the purchase price of the car and is calculated based on depreciation over the service life.) With car damage insurance, you can avoid the risk of paying for repairs. The car has been driven for six years. If the accident repair fee is relatively low, buying car damage insurance will Seems uneconomical. Because you may not have an accident within a year, and if you do, the repair costs will not be a burden to you.
So, if your car is a mobility scooter with a price of less than 100,000 yuan, and it is a common brand, it is sold all over the streets. Because of the large sales volume of this type of car, the accessories are easy to buy. The price is also cheap. There are also many auxiliary factory parts and dismantled car parts. It is recommended that you do not need to buy car damage insurance, because even if there is a major accident, the repair cost can be kept very low.
For the following two types of models, it is recommended that you buy car damage insurance, because the accessories of these two types of models are very expensive, the maintenance costs are high, and there are very few sub-factory parts and dismantled parts:
< p> 1. Luxury models, such as Mercedes-Benz, BMW and above. Or the car price is more than 300,000 yuan. This type of car does not hold its value very well. The price of a six-year-old car is not high, but it is very expensive to repair, because the parts are expensive, and the maintenance hours of luxury cars are also expensive.2. Rare models refer to models with very few copies on the market. The price of accessories for this type of vehicle is very high, and there are very few dismantled parts and sub-factory parts, so the cost of repairing the vehicle after an accident will be very high.
Should I buy car damage insurance for a six-year-old car? Everyone thinks differently and therefore does things differently. Some people support buying it and some don’t. Do you want to buy it or not? This depends on your actual situation.
For a car with a relatively high price tag or a luxury car, it is recommended that you buy car damage insurance. The car premium for 6 years will not be too high. After all, car damage insurance collects premiums based on the current car valuation. At present, some insurance companies do not like to renew insurance for long-term cars, especially some luxury cars and models with too high parts-to-price ratio. The current residual value of these cars is not high, but the repair costs in the event of an accident are terrifyingly high. The price of accessories is very high, and the repair costs for some accidents are even close to the residual value of the car or even higher. It is quite difficult to get spare parts for some imported models. The price of all auto spare parts will not decrease due to the depreciation of the car. Therefore, the maintenance cost of insurance companies is also very high. Naturally, they do not like to renew the insurance for older luxury cars! For this type of car, as long as the insurance company still accepts renewal, then just renew it!
After all, no matter how old the driver is, there will be times when a driver makes a mistake. Sometimes the accidental damage to the car is beyond our control. For example, if your car is scratched, scratched, or damaged after parking, if you can't find a third party, the insurance company will cover the cost. At least you don't have to worry about the cost of repairing the car. In some minor traffic accidents, if the other party is unable to compensate, you will be solely responsible for the repair costs and the insurance company will foot the bill. In recent years, the number of flooded cars has increased year by year. A heavy rain may cause urban flooding. If the car is accidentally soaked in water (do not start it a second time after being soaked in water), if you have car damage insurance, the insurance company will still pay the bill.
For some models with low part-to-part ratios and models with low-priced accessories, it depends on you whether to buy car damage insurance or not! If you are confident in your driving skills, you don’t need to buy it. Obey the traffic rules and do not violate the rules yourself. If there is a traffic accident, the other party is fully responsible, so the other party will naturally pay for the repairs. Every time before driving, you should say silently, I have not bought insurance, I must abide by traffic rules, and I will not drive a vindictive car?
If you are not confident in your driving skills, or you always drive on the highway, then the car damage insurance should be Buy it anyway, you really can’t save this money, it’s worth spending thousands of dollars every year to have peace of mind.
Before buying accessories for some models, you can search for dismantled car parts on a certain fish. Many dismantled car parts are not very different from original parts. There are even some accessories that are replaced directly after buying the car, such as headlights. The original headlight assembly costs more than 2,000 yuan, but the headlights removed from the original car only cost a few hundred yuan: there are even a pair of headlights for 600 yuan. For those friends whose headlights are damaged, choose this The disassembled car headlights are very cost-effective.
For wearing parts such as bumpers, there are also dismantled car parts: the price of such dismantled car parts is several times cheaper than the original price, and the source is also more complicated. Part of it was dismantled from the accident car, and part of it was replaced by insurance. Buy it back, repair it, spray it, and then it can be installed in the car. It is of high quality and low price. In the same way, many parts can be purchased as dismantled parts. For some old cars, repairing them with dismantled parts is a cost-effective solution, and the quality is much better than that of sub-factory parts. Experienced drivers can refer to this plan when repairing their car without buying car damage insurance. Of course, there are certain risks without buying car damage insurance. After all, if there is an accident, you can only pay for the repair out of your own pocket. Small accidents don’t cost much, but some larger accidents Then you can only bear the damage to the car yourself!
Experienced drivers do not need to buy car damage insurance, but they must buy the three + excluding deductibles. Under normal circumstances, buying the three insurances with an insurance amount of 1 million is enough. Once an accident occurs, the other party's losses will be borne by the insurance company as long as they are within 1 million. If you are responsible for others, you are also responsible for yourself. There will be no immediate return to poverty or return to pre-liberation overnight due to an accident, so the three items must be purchased.
I have been driving the car for 6 years. Is it still necessary to buy car damage insurance?
This question is too general. If it is like a car worth more than 600,000 yuan, the car will still have a residual value of more than 300,000 yuan after 6 years. It is definitely necessary to buy car damage insurance.
Let’s talk about the most popular models on the market. The price of this type of model is about 100,000 to 150,000. So our example is based on a car costing 150,000 yuan. The residual value of the car after driving it for 6 years is about 60,000 to 80,000 yuan. If it is your own car and it has not been insured for 6 consecutive years, the price of car damage insurance is still very low. Therefore, I still think it is more necessary to buy car damage insurance.
I have not purchased insurance for 6 consecutive years. I bought car damage insurance for 1 million yuan, excluding deductibles, and I cannot find a third party. Plus vehicle and vessel tax, compulsory insurance. It costs more than 1,700 per day.
The compulsory insurance and vehicle and vessel tax add up to more than 900. So the total cost of commercial insurance was about 800 yuan.
Spending three to four hundred yuan a year on insurance is not excessive.
Car damage insurance is not only insurance for accidents with others.
If you think you are a good driver, shouldn’t you buy car damage insurance? Of course, you can’t think so, because car damage insurance also covers vehicle wading, natural disasters, fires, and explosions.
If there is a lot of rain in your city, vehicles will often be flooded. Or if you live near a factory, etc. It is better to buy car damage insurance. After all, tens of thousands of dollars is not a small amount.
Let me explain here that if a vehicle is flooded, it does not mean that it is covered by water insurance. Water-related insurance refers to the vehicle engine being flooded and igniting again, causing damage to the engine. If it is parked there and is flooded, causing the vehicle to be scrapped or repaired, it will be covered by vehicle damage insurance.
Therefore, do not limit the scope of car damage insurance to accidents with other vehicles. Then balance it yourself and your own living environment.
If you are buying a second-hand car and the residual value of the car is only about 10,000 to 20,000 yuan, consider it yourself
If you buy a second-hand car, commercial insurance in the first year is relatively expensive. If you spend about 10,000 to 20,000 yuan to buy a second-hand car, there is no need to buy commercial insurance for car damage insurance.
However, third-party liability insurance must be purchased. There is no deductible even if you don’t purchase. I have seen many people's vehicles and only bought three of them for 1 million. However, I did not purchase insurance that excludes deductibles and car damage. This all depends on your own intentions.
Summary
The residual value of the vehicle is more than 30,000 yuan, and the vehicle has been driven by myself. The commercial insurance price of the vehicle has reached the lowest discount. It is recommended to purchase car damage insurance.
If you buy a second-hand car with a price of less than 30,000 yuan, the commercial insurance price of the vehicle is still relatively expensive. Depends on personal needs.
Hello everyone, I am Fengzi, and I am a car mechanic.
Is it necessary to buy car damage insurance when buying car insurance? I can say this very responsibly. It is very necessary to buy one. Don’t listen to what so-called experts say about cars being cheap and not having to buy them. The car belongs to you, and you will understand the importance of car damage insurance only when there comes a time when you have to pay for car repairs yourself.
First of all, we need to understand what car damage insurance is for. To put it bluntly, car damage insurance is used to pay for the repair costs of your own vehicle. If you do not buy this insurance, if you are responsible for the accident, then you will need to pay for the repairs of your own car, and the insurance company will not pay for it. A penny for you. Even if a front bumper or headlights of a van cost several hundred yuan, and a spray of paint would cost several hundred yuan. Just asking, does it hurt your body?
Secondly, the price of car damage insurance is calculated based on the price of the car, but one thing you need to know is that the price of car damage insurance changes every year. The fees are gradually reduced. If you buy a car worth 200,000 yuan, and the price in the first year is 200,000 yuan, then the price of your car in the second year will become 180,000 yuan. The 20,000 yuan less is depreciation. The vehicle is depreciating every year, so Car damage insurance premiums are also decreasing every year.
If you can buy car damage insurance, buy it. No matter if the car is good or cheap, the insurance itself is peace of mind, so why bother with so many hundreds of dollars?
I am Fengzi, I am a car mechanic. For content on car maintenance and use, please pay attention to Fengzi Car Repair.
Car damage insurance, as the name implies, means that if an insured accident occurs when the insured or his permitted driver is driving an insured vehicle, resulting in damage to the insured vehicle, the insurance company shall, within a reasonable scope, be compensated within. To put it simply, car damage insurance is a type of insurance that can compensate your own vehicle in the event of an accident. If you do not purchase car damage insurance, the insurance company will not be liable for the loss of your car. The strength of the protection can make up for a lot of losses, and many of the details of car insurance now are linked to car damage insurance.
Although the vehicle is about six years old, it is often driven, especially on urban roads, so scratches and bumps are normal. If you have car damage insurance, you can use your car damage insurance to repair your car. In short, for car damage insurance, no matter how old the car is, you still have to buy it, and the car damage insurance accounts for a high proportion of the premium. To put it another way, with car damage insurance, even if the car is often damaged Don't worry about places you can't see. If there is no car damage insurance, you will be blinded if you encounter any natural disaster or man-made disaster.
The fundamental meaning of buying car insurance is here. Insurance is to protect "in case". Don't conclude that there will be no risk in the future just because there was no risk in the past.
I am very happy to answer: It is recommended to buy a car that is damaged if it is less than 3 years old. If you buy a car that is more than 3 years old, it will not be so complete. It is recommended that you do not buy a car that is damaged. , you can just buy both parties without deductibles, and then the third party can buy it for at least 1 million!
The damage insurance of a car corresponds to the value of the car. The longer the car is driven, the lower its value is. This is relatively normal, so if it has been driven for 6 years, it is relatively The corresponding car damage insurance will also become lower, and the value of the car will of course also become lower. Buying insurance is just in case. If the car is damaged, see if your repair costs match the car insurance you bought. If If it doesn’t match, of course I won’t buy it.
Here are some suggestions. That is to check what type of car you buy, and whether it is a popular model on the market. If it is a popular model, then there is actually no need to buy car damage insurance, because if something goes wrong, Maintenance may not be a big problem, and the parts are not expensive, so buying car damage insurance will not be of much use. And since you are an experienced driver, the chance of getting car damage insurance will further decrease.
If your car is not a popular model, that is, the sales volume in the market is not very large, then it is still recommended to choose car damage insurance. The main reason is that the cost of later maintenance will be relatively high, and the accessories will be relatively high. Trouble, it is more expensive. Car damage insurance still plays a certain role. This is not easy to determine directly. This is an expected issue to be considered. Personally, I think it’s better to buy it because it doesn’t cost too much, especially if you haven’t had an accident in 6 years, the cost of insurance will not be high. Isn’t it? So @白乐鱼 thinks it’s better to buy it, it will give you peace of mind and peace of mind.