Above, the content comes from the commercial vehicle model clauses issued by the trade association two years ago:
Main insurance and commercial insurance *** 16. Car owners who claim to have bought all the insurance must buy them when they see what they haven't bought! (Underline: In fact, there is absolutely no need to buy them all.)
Before taking stock, let's talk about what changes have taken place in the auto insurance industry in recent years.
Changes in automobile insurance and rates over the years.
After the second fee reform, the CIRC reduced the floating coefficient of the rate, which made the insurance cheaper for car owners who had not been out of danger for a long time. However, if you take too many risks, you will face a huge increase in premiums. Since 20 1 6,65438+10,1,the national premium has been doubled twice, 50% for three times, 75% for four times and five times. Few companies are willing to insure cars that have five accidents the following year.
Now the market struggle has reached a white-hot stage, and the price is low without a bottom line. As consumers, we naturally enjoy it.
Anyway, let's first find out what each type of insurance is for, and then we'll know what to buy and what not to buy.
Compulsory insurance?
Above, the compensation limit of compulsory insurance:
Needless to say, the state requires compulsory insurance mainly for the safety interests of drivers. It should be noted that the compensation capacity of compulsory insurance is very limited, and its annual rate is roughly as follows, which needs everyone to take a closer look.
Compulsory insurance rate table:
Commercial insurance?
Simply put, commercial insurance is a supplement to compulsory insurance, which is not compulsory, but plays an important role. Let's talk about the main insurance, which is divided into four types: motor vehicle loss insurance, motor vehicle third party liability insurance, motor vehicle personnel liability insurance and motor vehicle whole vehicle theft insurance.
Motor vehicle loss insurance?
Car damage insurance for short, the scope of protection is clearly written in the policy, but it is obscure.
This kind of insurance covers most accidents in our life, the most common one is the loss caused by the collision of our car, which is paid by the car damage insurance. For readers who don't want to know more, the author has some suggestions, and knowing these is enough.
After the fee reform, the premium increase is too high, which is of great significance to prevent medium and large accidents. If the loss is within 500 yuan, it is more cost-effective not to get insurance.
If the car is hit and no one can be found, it is the responsibility of car damage insurance, but generally 70% is paid.
The other party is fully responsible and does not need to use your car damage insurance.
Due to the heavy rain, the vehicle enters the water, and the car damage insurance also has compensation.
Scratches and car damage on the car body are not covered by car damage insurance.
Car damage insurance is suitable for people who need to use the car frequently and have a long journey. If you just drive to buy food and put it in the garage, it is actually more cost-effective not to buy car damage insurance. But who can be sure of the future? Unless the car is of low value, it is generally recommended to buy it.
Motor vehicle third party liability insurance?
As the name implies, it is to pay a third party, so who are the first two people? It is you (the insured) and the insurance company. The third party can be a car, a tree or a person, and the scope of compensation is relatively wide. Those who exceed the compulsory insurance limit shall be borne by the three liability insurance.
One or three types of liability insurance rates (excluding concessions):
Suggestions on three types of liability insurance;
Bentley has a fender of 200,000 yuan, and a person's death compensation is millions, so you can buy 654.38+00,000 yuan of three liabilities instead of 500,000 yuan, and the premium difference is less than that of 300 yuan. Three liability insurance can protect you from bankruptcy due to negligence.
Even if you hit a Mercedes-Benz BMW, it's not enough to pay strong insurance. It is very casual to spend 10 thousand or 20 thousand to repair the car
If you want to save money, don't just buy compulsory insurance, but also buy a three liability insurance.
Driving into an immediate family member or another car without compensation.
Personnel liability insurance on motor vehicles?
Short for seat insurance. It means that in the traffic accident, people in this car were injured, and this insurance is responsible for paying. This kind of insurance is bought by fewer people and is generally more common in taxis. The main reason is
Personal accident insurance (life insurance) is generally available.
If you are fully responsible, if someone is damaged, the other vehicle has a liability limit of 1000 yuan to pay you.
If both parties are responsible and someone is injured in this car, then the other party needs to pay your medical expenses and lost time in full within the limit of compulsory insurance.
The insured amount is generally 1 1,000 yuan, which has little impact.
This insurance is not responsible for injuries to people in another car.
So if you are not a taxi and don't drip, you generally don't need to buy this insurance.
Motor vehicle theft and rescue?
Direct suggestion:
In the current environment, road monitoring is developed, and car theft rarely occurs, mainly because the rescue scope is small. Judging from the current public security situation in our city, it is generally not recommended to buy it.
additional insurance
Secondly, there are additional risks. There are restrictions on purchases. Only when you buy the corresponding main insurance can you buy the corresponding additional insurance. Their relationship is as follows:
Glass breakage only?
If you break the glass alone, the car damage insurance will not be paid, and then you need glass insurance. There are fewer restrictions on the use of glass insurance, so don't go to the first site. For car owners who often have their windows smashed, or who often sit on high-speed windshields and are easily hit by stones, it is recommended to buy them.
Spontaneous combustion loss insurance?
Direct suggestion:
In the natural environment of our city, if you are not a very old car or a person who often changes the circuit, there is no need to buy it.
New equipment loss insurance?
Direct suggestion:
This risk, at least as far as I know, has not been bought by people in the industry, so its importance can be ignored.
Body scratch loss insurance?
This is an additional risk with high appearance rate, which can generally be seen in many new cars. Car age more than three years is generally no longer underwritten. Purchase suggestion:
I suggest buying more cars in Xiong Haizi, or you have a Ferrari Enzo.
Engine wading loss insurance?
Direct suggestion:
Although the roads in our city will turn into a small sea in Wang Yang every rainy season, they will not flood the engines. Unless you have special driving needs, you can generally not buy it.
Cost compensation insurance during repair?
Direct suggestion:
At present, there are still many bugs in this kind of insurance, unless you can try it for people who hold vehicles for a long time (the kind you plan to drive to scrap).
Cargo liability insurance on board?
This is the additional risk of three liabilities, so you have to buy three liabilities before you can buy this. Friends who often pull goods must have insurance.
Mental damage compensation liability insurance?
As the name implies, it is used to comfort the people in the other car or the mental loss of the people in the car. What I want to say here is that pregnant women who miscarry within 30 days of the accident are also responsible for paying mental damage compensation.
Excluding deductible insurance?
Many people don't understand the odds. The simple explanation is: don't buy it, there is a deductible anyway; Yes, there is no deductible in most cases. Foreign auto insurance will charge you 15% of the "bottom fee" every time you report the case, but there is no such thing in China. In fact, it is already included in the premium, that is, it does not include non-odds insurance.
There is nothing to say. If you buy commercial insurance, you have to buy non-deductible insurance.
Motor vehicle loss insurance can't find a third-party special insurance?
Generally speaking, if the vehicle is hit by a third party, the insurance company will compensate you for 70% of the actual loss, but with this additional risk, you will be completely compensated. As long as you don't cheat or cheat.
It is recommended to buy in the case of small space and many cars in the community.
Designated repair shop insurance?
Direct suggestion:
This additional risk is meaningless. Don't buy it.
What to buy and what not to buy? Finally, to sum up, look at the picture above:
Longcheng Auto's point of view: I think it is a matter of different opinions to buy auto insurance, mainly to see what kind of insurance is suitable for you, and then make a decision, but one thing to point out is that there is no need to buy so-called "all risks", even a new car! (Photo/Text/Longcheng Automobile Vision)
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.