How to buy auto insurance

Principle 1: Give priority to buying full third party liability insurance. When buying auto insurance, you should put the ability to compensate others for their losses in the first place, otherwise you will be helpless after an accident. \x0d\ Although the functions of third-party liability insurance and compulsory insurance almost overlap, they are both used to pay the other party's medical or compensation expenses after the owner's car hits someone. However, at present, the support ability of compulsory insurance is limited, and it is difficult to deal with major personal injury accidents. Generally, it is necessary to re-purchase third-party liability insurance. \x0d\ Principle 2: The insurance amount for purchasing three risks should refer to the local compensation standard. The compensation standards are different across the country. According to the maximum compensation standard of auto insurance, if 1 person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may also exceed 600,000 yuan. Car owners are advised to look at their old insurance policies. If the insurance coverage is insufficient, it is recommended to conditionally insure at least 200,000,500,000. \x0d\ Principle 3: Buy enough vehicle personnel insurance before buying car damage insurance. If there is no other accident insurance and medical insurance, the owner will buy himself a driver's insurance of 65,438+million as medical expenses and be responsible for his family; If passengers have a high probability of riding, they can take out passenger insurance at a price of 500-65438+ 10,000/seat, and be responsible for their families and passengers. If the number of passengers is small, it is more economical to ensure that each seat is 1 10,000. \x0d\ Principle 4: Buy car damage insurance before buying other types of insurance. Traffic accidents are often accompanied by car damage, and the cost of repairing cars should not be underestimated, which is also very important for the protection of cars. \x0d\ Vehicle loss insurance is the most widely used vehicle insurance. Whether it is an accidental scratch or a serious car damage caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs. However, vehicle loss insurance also has various exemption clauses, so car owners should carefully study the various clauses of vehicle loss insurance before taking out insurance, master the contents of vehicle loss insurance, and avoid falling into the misunderstanding of claim settlement. \x0d\ Principle 5: Insurance against three risks, driver's seat and passenger's seat liability insurance, and vehicle damage insurance. If you spend a little more money, the insurance company will not discount the compensation. \x0d\ The so-called deductible insurance, its full name is "special liability insurance without deductible". Special liability insurance excluding deductible is divided into basic insurance excluding deductible and additional insurance excluding deductible. The main risks corresponding to basic insurance except deductible are vehicle loss insurance and third party liability insurance. Additional risks, excluding deductible, correspond to additional types of insurance, such as "scratch insurance" and "theft insurance" \x0d\ Principle 6: Other types of insurance are purchased selectively according to their own needs. For example, only the risk of burglary and broken glass has less serious impact on family happiness and property than the first five risks, so we should consider the risk in principle 6 while ensuring that the first five principles are met.