How to insure a new car?

Auto insurance includes the following aspects.

1. Compulsory insurance

2. There are four main risks in commercial auto insurance:

① Car damage insurance

② Three risks.

③ Liability insurance for personnel on board.

4 stealing and saving.

There are five main additional risks:

① glass

② Scratch

③ Spontaneous combustion

(4) No deductible.

Engine special loss insurance

Characteristics of compulsory insurance:

Public welfare, compulsion and universality. The purpose of establishing compulsory insurance is to make the victims in traffic accidents get timely and effective treatment. Compulsory: compulsory underwriting, which cannot be refused. Extensive: as long as it is a motor vehicle, it can be underwritten. (Motor vehicles include motorcycles, but not electric vehicles) Drunk driving, intentionally hitting people, and paying strong insurance are also to protect victims, which embodies public welfare. Of course, in this case, the insurance company will pay the medical expenses first, and then file an investigation to recover from the driver. No compensation for compulsory insurance: no compensation for touching porcelain.

Characteristics of compulsory insurance:

The principle of item-by-item compensation (looking down), the principle of floating rate (no accident in the first year, a decrease of 10% in the second year, and a maximum decrease of 30%, and vice versa), the principle of rewarding the superior and punishing the inferior.

What problems can compulsory insurance solve?

Example: the car hit a tree and only gave it a strong insurance. Assuming that the tree doesn't pay, can the loss of the car be settled? Answer: No, because compulsory insurance only pays the injured party in traffic accidents, so in this example, the injured party is a tree. If you don't pay for the tree, you won't get any insurance compensation for the loss of the vehicle.

Let's look at another case: a Jetta behind and a Mercedes in front suddenly had a traffic accident in front. Mercedes suddenly braked, Jetta didn't brake, and the rear-end collision broke the bumper of Mercedes. Bad luck, but it's good to have auto insurance. Mercedes-Benz called the 4S shop to inquire about the repair fee, and the two sides negotiated to solve the claim. 4S shop replied to Mercedes-Benz, 40,000 pieces of accessories need to be transported by air. There is no such accessory in China. Jetta owners think that 40,000 yuan is not expensive, and the light traffic insurance is 1.2 million. The result was dumbfounded: compulsory insurance regulations: the maximum compensation for property losses caused by accidents is 2000. That is to say, because he only took compulsory insurance, but not commercial insurance, he had to wait for Jetta to pay for 38 thousand.

The maximum amount of claims for compulsory insurance is 6,543,800+0.22 million.

Everyone is very happy to hear it, quite a lot. Ordinary vehicle losses are enough. Don't be too happy. Compulsory insurance also has a principle of itemized compensation:

Collision death: 1 10000

Collision injury: 10000

Property losses caused by traffic accidents: 2000.

This is the compensation when the insured is responsible. When the insured is not responsible, the compensation limit for death and disability is 1. 1 000, the medical expenses are 1 000, and the property is 1. It means: that's the total insurance amount for one year, and the claims for several accidents should be added up. If you exceed it, you will pay the price. It's better to be careful when driving. Now the claim for collision death is 1 10000. 1 1000 can you appease the families of the victims these days? Isn't there a 30.5 million? So just give the car a strong insurance. It's very expensive to pay for an accident yourself.

Commercial three risks:

There is a saying in the industry: car owners without commercial three risks can't afford to be injured. Some people will feel resistance when they see commercial insurance and commercial auto insurance: commercial insurance is profitable, not welfare, which is quite right. But now the insurance claims rate is also very high, especially auto insurance, and claims are the benefits for car owners.

Definition: Commercial third party insurance is a kind of insurance in which the insurance company is liable for the losses of the third party. The third party refers to the third party victim who suffers losses due to the accident of the insured vehicle except the insured, the insured and the insurer.

Analysis:

Third-party insurance is paid to third parties, excluding your family. There is a case: when reversing a car, a person is inexperienced and makes his family stand behind the car. Coupled with unskilled technology, the accelerator is stepped on, resulting in the death of his family. In this case, auto insurance can't be settled. If you are an outsider, you can ask for compensation. This is also to prevent fraudulent insurance, so it intentionally hurts family members.

There is no principle of item-by-item compensation, and losses will be compensated.

If the insurance amount is not accumulated, for example, the insurance amount of 654.38+ 10,000 is insured. After the first insurance claim, the second insurance amount is still 654.38+ million, and the last payment amount will not be deducted because of the first claim.

The premium of commercial three risks: generally ranging from several hundred yuan to 50,000, for example, 600 will cover 6,543.8+10,000, 800 will cover 200,000, and 6,543.8+10,000 will cover 300,000. The suggested amount is above 200,000. Without it, it would be really weak in an accident. I was dumbfounded when I met an accident. (For cars that don't go out of danger, the premium will be lowered 10% next year, and the following premium is probably. The premium is related to the model and the discount or increase. Beijing's commercial third-party insurance claims rate is quite high.

Automobile damage insurance:

If the insured or its permitted driver has an insurance accident while driving the insured vehicle, causing damage to the insured vehicle, the insurance company shall compensate the insured vehicle within a reasonable range.

Car damage insurance is insurance against the loss of the vehicle itself. No car damage insurance, no additional insurance. Common car damage: collision, overturning (rollover), natural disasters (hail, rainstorm, explosion, etc. ). The premium is generally 65,438+0,000 plus 65,438+0,000,000, which is related to the model price of the vehicle and is equivalent to one day of 3 yuan. The claim rate of this insurance is also high.

Personnel on board:

Responsible for compensating the insured vehicle for casualties caused by traffic accidents. One driver plus four passengers. Generally, each person's insurance coverage ranges from 1 10,000 to 30,000, with a premium of about 40, one passenger's 20 yuan insurance coverage ranges from 1 10,000 to 300, and four passengers' insurance premiums range from 1 10,000 to 300. It is suggested that car owners should also remind passengers to give themselves accident insurance when there is personal insurance in the car. Accident insurance 100 to 500, with a coverage of tens of thousands to hundreds of thousands. In several cases, a friend hitchhiked and had an accident, and both sides went to court. It's just about money. You should learn to pass these risks on to the insurance company, not the driver, so that you can't afford to get hurt. I once refused a friend who had no accident insurance to ride in my car, and my friend understood. (I wrote in Weibo: No accident insurance, please get off; You can drive my car if you have accident insurance. ) With regard to friends hitchhiking, the law stipulates that the carrier has the legal obligation to safely deliver passengers to their destinations, regardless of whether the passengers are hitchhiking with pay or free.

Full name of theft and rescue:

The whole car is stolen and rescued, even if a wheel or mirror is lost, it can't be compensated. Emergency claim for theft: After the car is stolen, report it to the public security department at or above the county level, and if it is not found for three months, you can claim compensation.

Engine special loss insurance:

Also known as "water-related insurance", cars with car damage insurance can be covered by this insurance. In other words, without the main insurance of commercial insurance, this can't be taken. When the vehicle enters the water, the vehicle damage insurance can pay for the damaged part of the vehicle except the engine, and the resulting engine damage can only be paid by the water insurance. Responsible for the reasonable expenses of rescue of insurance vehicles when wading or wading on water-logged roads. The engine damage caused by the flood can be compensated. However, if the owner forcibly starts the engine after being flooded, causing damage, the insurance company will not compensate even if the water-related insurance is purchased. All vehicle insurance does not include water insurance, and vehicle damage insurance does not include engine loss insurance. Many friends think that everything will be all right if you are fully insured. In fact, many times, "all risks" does not include "water insurance". The so-called "all risks" generally refers to all main risks (three risks, car damage insurance, theft insurance, compulsory insurance), and additional risks such as water-related insurance need to be purchased separately. As an exemption, if you want to insure the engine, you must buy additional insurance for the engine.

Risk of glass breaking alone:

In insurance accidents, glass breakage usually occurs with the loss of other parts of the vehicle. At this time, glass breakage belongs to the scope of liability of vehicle damage insurance. When the glass is broken alone, it does not belong to the scope of car damage insurance at this time, but belongs to the responsibility scope of glass insurance. At this time, if there is no glass insurance company, it will not pay.

Scratch insurance:

Scratch insurance can be insured or not, depending on the economic ability of the owner. The premium of scratch insurance is generally in 400 yuan 2000. Compared with other auto insurance projects, such as "three insurances", 600 yuan's insurance is still relatively expensive, 654.38+10,000 yuan, but scratch insurance can only be applied to new cars within three years, and general insurance companies refuse to insure old cars with scratch insurance. To tell the truth, you can drive with scratches, but you can't drive with car damage or broken glass. Because scratches are easy to occur, the claim rate of scratch insurance is quite high. An insurance company introduced: Give scratch insurance to auto insurance. Why can it be like this? In fact, the location of the scratch was disguised as a car damage and applied for compensation. But if this happens, the car damage can't cover up the scratches: the body is painted. At this time, there is no risk of scratches. How does this insurance company settle claims? Therefore, we should keep a clear head and consider the problem carefully, and don't be tempted by such words as "it's very cheap to buy auto insurance here" and "scratch-free insurance". Cheap will inevitably lead to low insurance coverage.

Spontaneous combustion insurance:

Generally, new cars have self-protection and do not need self-ignition insurance. Old cars need to be burned because of the aging of power supply lines and oil circuits. In another case, because the goods on the car and the outside temperature are too high, the car burns, which also belongs to the scope of self-ignition insurance claims, so new cars can also be insured against self-ignition insurance, especially friends who often drive when the temperature is too high in summer.

Excluding deductible insurance:

It is stipulated in the commercial third party liability insurance clause that the insurer will take a certain liability exemption rate according to the driver's responsibility in the accident, and the main liability will be exempted from compensation15%; Take equal responsibility, exempt from10%; Take secondary responsibility, exempt from 5%; Take full responsibility and avoid 20%.

In addition, don't put all the documents in the car, put the driving license in the car, and carry other documents with you to avoid damage to the documents caused by the loss of the car. If there is no certificate, you will be deducted, and the missing (driving license, car purchase invoice, vehicle registration certificate, etc.) will be deducted by 0.5%. ), the spare keychain will be 3% less.

Summary:

1. Compulsory insurance must be paid, bearing in mind the payment period.

2. Car damage insurance: If you have to buy a car, it is recommended to cover all risks.

3. Third-party insurance: it must be insured. The recommended coverage is more than 200,000, generally 500,000 to 6.5438+00,000. If the economic conditions are good, you should pay more.

4. There is no need to board more people, about 20,000 drivers and about 0/10,000 passengers. Of course, this is already the case with personal accident insurance. A seat is more than 20 yuan, 65438+100000. It is better to directly handle personal accident insurance (100 to around 200). The insurance covers not only ordinary accidents, but also the responsibility of trains, subways and self-driving, and can also reimburse medical expenses. )

Note: Medical expenses caused by traffic accidents are not reimbursed by social security.

5. Stealing and saving should be done.

6. Scratches and glass insurance are more expensive, and scratches can be avoided. Glass insurance depends on your own financial ability. Classic cars must use self-ignition insurance, and new cars can be ignored for the time being.

7. No deductible, it is better to make your own decisions and suggestions.