Seconds understand! What should I buy for new car insurance?

Seconds understand! What should I buy for new car insurance?

What insurance should I buy for a new car?

Compulsory insurance, travel tax, third party liability insurance, driver and passenger seat insurance, excluding deductible and car damage insurance, basically four basic insurances are enough. How to buy this new car insurance? Do you want to buy a full insurance? Stealing the rescue is useless?

Generally speaking, when buying new car insurance, you only need to buy four basic insurances. Then I will tell you all the projects.

What types of insurance are specifically included?

Compulsory insurance, travel tax, third party liability insurance, driver's seat and passenger's seat insurance, excluding deductible and car damage insurance are basically these, so the order on different forms may be different, so the insurance types are the same anyway.

Compulsory traffic insurance and travel tax must be paid.

Then explain to you, what about compulsory insurance and travel tax? You have to pay it anyway, and you can't escape.

The car crashed and was paid for by the car damage insurance.

Car damage insurance is more important. If your car crashes, pay for it.

Three liability insurance pays the other party's property and personal losses.

Third-party liability insurance can be said to be the most worthwhile insurance. If you are fully responsible, if you hit someone or damage someone else's car, the other party will incur medical expenses or maintenance expenses, which will be paid by your third party liability insurance. If you can afford it, buy the highest one, usually 500,000 to 6.5438+00,000.

Excluding deductible, the insurance company can pay 100% of the money.

Then, let me talk about it again. It's welfare insurance without deductible. You said that I lost 800 yuan for this 1000 yuan. Where did the 200 yuan go? This is the deductible. With this thing, 1000 is 1000, which is very important.

What risks are useless?

Theft and rescue will only be paid if the whole car is lost.

Then, if someone wants to sell and earn your money, they need to buy a burglary rescue. What if the car is stolen? The public security is not very good recently. Don't listen to people's bluff. The original name of the whole car was stolen. Only when the whole car disappears will you lose money.

The window was smashed, the bag was taken away, and the tire was gone. None of them have been compensated. Unless you want a mortgage, there is really no need to buy it.

Scratch insurance and glass insurance are of little use.

Any scratch insurance doesn't make much sense, and I don't particularly recommend glass insurance. Unless you often run on the expressway or there are too many flying sand and stones on the ground, you can also consider buying one. For more than 95% of our friends who travel in ordinary cities, the four basic insurances are really enough.

How much should I buy for three insurances?

If you can buy 1 10,000, try to buy 1 10,000.

If the third party can guarantee 1 10,000, it will be 1 10,000, and it will not exceed several hundred dollars, but when it comes to the key, this insurance will reflect its true meaning. It's a big deal that I don't want this car, but if you hit someone else's car or hurt someone else, you have to pay for it. In any case, safe travel, healthy travel and happy travel are the pursuit of our car life and our happy goal.