Car buy insurance, this is the most easy to understand analysis

We buy a new car, are to buy insurance, is to figure out a peace of mind, and really in case of what accident, in today's motor vehicle as a "invisible" vulnerable groups of the environment, also do not accompany a family. In 4S shop to buy insurance, will often be recommended to buy full insurance, but in fact we all know that not all car insurance must be bought, or according to their own actual situation to determine, after all, buy is not small a silver.

Must-buy insurance

Third Party Liability Insurance

Also known as three-party insurance, refers to compensation for the loss of a third party, including property, injury, but does not include moral damage and various indirect losses. General third party liability insurance amount between 20-1 million, the amount refers to the maximum amount of compensation costs, that is, the amount of insurance company can pay for an accident, the higher the general amount, the higher the cost of third party liability insurance. So how much are we buying? Here according to their own actual situation, if often driving in the township, and driving cautiously, buy a two or three hundred thousand is almost, in the city run, generally buy half a million more, if the money on hand, driving more anxious, but also in the big city good cars, suggested or buy a million quota.

Vehicle damage insurance

Vehicle loss insurance is the cost compensation insurance arising from damage to one's own vehicle/other vehicle caused by an accident caused by one's own reasons or other objective reasons (flooding, fire, etc.). This is generally a must buy, the most common daily driving is the accident, collision and so on, who can not avoid the accident, with the vehicle loss insurance, the insurance company can pay for you. But pay attention to the separate glass or exterior mirror or tire (including wheels) damage is not a loss, but in this case, if you get your hands, you can process your own, the individual into a multi-part damage on the line. There is also the flood caused by engine losses is not to pay (need to buy wading insurance).

Burglary

Vehicles due to theft or robbery to pay for the loss of a car insurance, bought this kind of insurance, if the car was stolen, three months after the alarm case did not recover, the insurance company will compensate, but to calculate the depreciation fee and absolute deductible 20%. For example, a million new cars, the next day stolen, insurance companies may give such a compensation plan: the new car has no depreciation, worth 1 million, minus 20% deductible, and finally 800,000.

Third party liability insurance and car damage insurance do not take out of charge

No deductible insurance is an additional type of car insurance, insurance this type of insurance, can be their own responsibility of 5% to 20% of the liability transferred to the insurance company. This additional insurance protection is more comprehensive, and the rate is relatively cheap, so in the purchase of car insurance, the owner can give car damage insurance and third party liability insurance, respectively, insurance without deductible insurance.

Can buy insurance that you don't have to buy

Glass alone break-in risk

This insurance can be turned into car damage insurance as long as it is flexible (such as counterfeiting site).

Driver's Passenger Insurance

To protect the safety of the car driver and passengers car insurance, if we all have personal accident insurance, this insurance can buy can not buy, if it is their own car generally drive, this car insurance is not necessary to buy.

Wading insurance

Mainly for flooding caused by engine damage, if the area of flooding is very rare, rainfall will not be very large, and rarely drive out of the door, that is not necessary to buy. Here to remind everyone is that the car was flooded or wading driving engine stalling, do not start, otherwise it will lead to the engine into the water and thus scrap, it is best to wait for rescue or hanging space to push to safety.

Self-ignition insurance

For the vehicle self-ignition to provide compensation for the car insurance, but only the vehicle warranty period compensation, in fact, during the warranty period, vehicle self-ignition is responsible for the manufacturer's warranty, so buy this insurance is a duplicate insurance, no point. And after the warranty period, it is considered to buy this insurance, especially in some areas of poor environment or older lines of aging cars.

Scratch insurance

Can buy not to buy, if the car price is not expensive, paint cost is not expensive, you can not buy, hundreds of thousands of cars each repainting cost is hundreds of pieces, if it is worth millions of cars, this car insurance is worth buying. Usually drive, if it is some easy to collision place produced scratches, not obvious words do not care too much, after all, although it is their own car, but the car is ultimately for our step service.