1, the strong traffic insurance traffic insurance, also known as compulsory insurance for motor vehicle traffic accidents, mandatory purchase, do not buy can not go on the road, the national premium uniform.
The compulsory insurance only pays for the loss of the other party, all the losses on the car are not included.
The standard of compensation for compulsory insurance is as follows:
Compulsory insurance is similar to our health insurance, which is a basic insurance, package but not insurance
So we also need to configure the commercial car insurance as a supplement.
2. Commercial insurance
Commercial car insurance can be purchased freely, free choice.
The three basic items: third-party liability insurance, vehicle liability insurance, car damage insurance.
Third party liability insurance:
Compensation for the third party, the other party's car, goods or people are damaged, as long as the insurance liability coverage, the insurance company will make compensation, the amount of 10-10 million.
Car Damage Insurance:
Compensate yourself, after an accident, your own vehicle needs to be repaired, you can pay for it.
Car Occupant Liability Insurance:
Insure the passengers and driver in your own car, with optional coverage, and pay out a sum of money to the owner of the car in the event of personal injury or death.
To buy all the car insurance, the price is actually not cheap, according to their own actual situation.
Commercial car insurance, how to choose?
1, the basic choice, compulsory insurance + three-party insurance
Budget is limited, the age of the car is long, the old driver, as long as more than a thousand dollars a year.
2, the regular choice, compulsory insurance + three insurance + car damage insurance
suitable for novice, more expensive car, new car owners choose. Whether it is a third-party accident, or a one-sided accident, you can use car damage insurance to pay, reduce their losses.
3. Comprehensive choice, compulsory insurance + third party insurance + car damage insurance + seat insurance
If you often go out to pull people, you can add a "seat insurance". But seat insurance is more expensive, not as cost-effective as buying driving accident insurance.
Overall, the higher the coverage, the more comprehensive the coverage and the more expensive it is. In addition, no matter which insurance company, car insurance coverage is basically the same, you can multiple quotes, choose the most cost-effective one to insure.