A priority is to buy adequate third party liability insurance. All of the automobile insurance insurance third party is the most important. The ability to maintain the ability to compensate others for their losses should be prioritized when purchasing auto insurance. Otherwise, the only thing you can do is to sell your house first after the accident or divorce to save your property, so in order to avoid similar troubles, it is better to insure the third party insurance in full.
Two, buy enough car personnel insurance, and then buy car damage insurance, driving is you, it is recommended that if there is no other accident insurance and medical insurance owners, to give themselves a 100,000 driver insurance, as medical expenses, is responsible for the family. Passenger insurance if the passengers ride a few times, you can insure the amount of more, 50,000-100,000 / seat, is responsible for the family and passengers. If the passengers ride a few times, 10,000 per seat insurance is more economical.
Third, other types of insurance (theft insurance, glass, combustion, scratch insurance) combined with their own needs to buy. For example, theft insurance, glass, spontaneous combustion, scratch insurance and so on other types of insurance, in the automobile risk, as opposed to the risks mentioned above, will not lead to a serious impact on the family's well-being and finances. Therefore, it is recommended to buy according to the needs
Four, the car's compulsory and commercial insurance can be purchased within three months before the termination date of the previous year's insurance for the next year's vehicle insurance.
Extended information
Ten not compensated
One, towing an uninsured car accident is not compensated
If the owner of the car driving towing a vehicle without third-party liability insurance on the road, and the other vehicles and collision and full responsibility, the insurance company will not be compensated for any of this.
Second, hit the family does not pay
The so-called first, the second refers to the insurer, the insured (the driver is treated as the insured), in addition to these people, are regarded as the third party. In the insurance terms, the insured or the driver's family members are excluded from the category of "third party". Therefore, if the vehicle hits a member of the family, the insurance company is considered to be exempt from liability. Similarly, the same unit of the vehicle collision can not be compensated through the third-party liability insurance.
Three, the private equipment does not pay
Many car owners will buy their own car after the installation of audio, radio, refrigerator, tail or luggage racks, etc., once an accident caused by the loss of private equipment, the insurance company will not be compensated. Car owners need to add their own equipment to a separate insurance policy.
Four, lights or reversing mirror broken alone will not be compensated
The exclusion clause is designed to deal with some of the repair shop fraud insurance behavior. Previously, some repair shops often used to replace the broken lights or reversing mirrors mounted on other cars with the same model to cheat the payout. On the other hand, because of this exemption clause many car owners will not be compensated even if it is unintentional cuts.
Fifth, the car was damaged by the items do not pay
If the vehicle is the compartment or the roof of the car loaded with items and damage caused by the impact, the insurance company is not responsible for compensation.
Sixth, put the perpetrator of the full responsibility of not pay
If the owner of the car and other vehicles collision, and the responsibility of the other party, can not be in a hurry because of the trouble or any other reason to give up to the other side of the right to claim compensation. Once the owner gives up the right to recover from the third party, he also gives up the right to claim compensation from the insurance company.
Seven, not after the loss of direct repair is not compensated
If the vehicle in the field of insurance, the owner needs to determine the loss before repairing the car, otherwise the insurance company may not be able to determine the amount of loss and refused to pay.
Eight, deep water forced ignition caused by engine damage does not pay
Vehicles traveling to the depths of the water, the engine stalled, the driver forced ignition caused by engine damage, the insurance company will not compensate for the loss is due to the improper operation of the driver.
Nine, the vehicle parts stolen does not pay
If the vehicle is only parts such as tires, stereo equipment, etc. were stolen, the owner can only be at their own risk.
Ten, the vehicle repair period caused by the loss will not be compensated
If the vehicle in the repair period occurred during any collision, theft and other losses, the insurance company will refuse to pay, because the repair shop has the responsibility to properly store the repair of the vehicle.
Reference Baidu Encyclopedia Motor Vehicle Insurance