Analysis of the types of car insurance you must buy.
Many car owners have questions and will ask: I buy car insurance for my car, what kind of car insurance is more appropriate? Depending on the actual situation, whether the car owner is a novice or a veteran, it is different when buying car insurance. Because car owners will decide different car insurance combinations according to the specific conditions of the cars they use every year, the following will make a very detailed analysis on which kinds of car insurance must be purchased:
for new owners, which kinds of car insurance must be purchased: Car damage insurance, third party liability insurance, excluding deductible insurance, and theft insurance.
Many car owners buy a self-driving car just after they get their driver’s license. This is a very common situation. Although the new owner drives very carefully when driving, there are always inexperienced situations, so some bumps will inevitably occur. For new owners, it is recommended to buy more types of car insurance. Don’t take chances, just buy compulsory insurance and you’re done. In the event of an accident, the money spent at that time is far more than the insurance premium you save. Therefore, when novice car owners buy compulsory traffic insurance, they must also buy vehicle loss insurance for their car, to ensure that their car can be compensated after an accident. In addition, the compensation amount of this compulsory traffic insurance is very low. For some major accidents, people or famous cars, compulsory traffic insurance is not enough. Don’t forget, when car owners buy car damage insurance or third-party liability insurance, they also need to buy excluding deductible insurance. Although it doesn’t cost much to buy it, it has very good results. For novice car owners, it is even more necessary to buy this type of insurance.
For those veteran car owners who drive for a long time, the cost-effective car insurance combination plan is car damage insurance, third-party liability insurance, and no deductible insurance.
This is a very common set of cost-effective insurance combinations. This car damage insurance can provide good protection for the car itself. When the car owner accidentally drives and encounters others, it can also give the victim sufficient compensation based on compulsory traffic insurance, which can completely solve the car owner’s worries. . Regardless of the effect of deductibles, I believe that many car owners understand that when car owners encounter some relatively large compensations, they can buy this type of insurance to reduce the amount of compensation they pay. Many car owners are worried that there will be casualties in accidents. Many car owners will suffer mental pain and pay a high amount of financial compensation after encountering a traffic accident. Therefore, many insurance companies will recommend car owners to purchase third-party liability insurance, and purchase liability insurance with a high amount of coverage, so that when paying, the economic compensation they bear will be reduced.
Introduce one of the most intimate insurance plans: car damage insurance, third-party liability insurance, excluding deductibles, and glass insurance.
For some car owners who will drive in poor road conditions for a long time, this additional glass insurance is very critical. There are many places with poor road conditions. There will be a lot of stones on the road. When the car runs over, not only the dust is flying, but there will also be many stones flying around, which may crack the glass. This is not a small amount, so if you buy this type of insurance, you can let the insurance company pay for this expense. Of course, some car owners with a poor residential environment can also consider this insurance.
For the question of which types of car insurance must be bought, I believe that after reading this article, you will be able to know how to buy car insurance for your car.
What kinds of car insurance must you buy to make you drive safely?
For those car owners who have just obtained a driver’s license, driving on the road is always a more exciting and troublesome thing. But after taking the driver’s license test, you must practice your skills on the road, otherwise, you will never be confident and unclear about asking you to get out of the way, and there is no guarantee that your skills can be improved accordingly. When driving on the road, some emergencies or accidents may be unavoidable, and of course, the car will inevitably crash, so you must buy insurance for your car for emergency use. What are the must-haves for car insurance?
Many car owners are very concerned about this issue. Here are some explanations for this issue: When choosing the type of car insurance, in addition to the amount of money to pay for compulsory insurance, several types of insurance must be purchased. One is car damage insurance, The second is third-party liability insurance, the third is excluding deductible insurance, and the fourth is theft and rescue. The first two types of insurance are the basic guarantees that both people and the car can be compensated for their losses after an accident. The latter two belong to additional insurance. When the car is stolen or robbed, the owner of the car can be compensated for the loss. Another is that the deductible insurance is not included, that is, in addition to the indemnity, the insurance company can also help the owner to pay 15% to 20% of the compensation. Let’s introduce some of the first two types of insurance in detail :
First, car damage insurance
It belongs to the basic commercial insurance. When driving on the road, some bumps will inevitably occur, and the owner must buy car damage insurance for himself. While driving, some insured accident happened to the vehicle, which damaged or damaged the insured vehicle. If the situation mentioned above occurs, as long as it is within the scope of the reinsurance company’s insurance, the insurance company will give the insured the corresponding compensation according to its agreement. However, some exemptions are not covered by insurance companies, such as broken glass or robbery.
2. Third-party liability insurance
This is a supplement to the compulsory traffic accident liability insurance for motor vehicles, that is to say, it is an enhanced insurance type of compulsory traffic insurance. , will still bear a large amount of compensation, so car owners must insure third-party liability insurance to pass on some potential risks to themselves. The so-called third party refers to things other than the insured car, such as other motor vehicles, non-motor vehicles, or people. But the people in the car are not covered by third-party liability insurance.
The above is about the problems that must be bought for car insurance. When buying car insurance, people often buy only a few types of insurance. However, individual car owners will buy other types of insurance, but they must choose different types of insurance for different models. Car insurance is also insurance that you must buy for your car after you buy a car. Once you buy car insurance, you can ensure that the car owner can reduce the amount of financial compensation in the event of an I hope the content of this article can help the majority of car owners and friends.
Some car owners have purchased driver and passenger insurance for the protection of the people in the car to ensure that the people in the car can be protected. For the relevant content and compensation scope of driver and passenger insurance, you can fully understand the online auto insurance direct sales platform. What are the must-haves for car insurance? Owners also need to know.
