The first thing a new car has just started is insurance. However, for the new car owners, the first time they had no experience in buying insurance, they could only obey the meaning of the 4S shop and followed the salesman's routine. This kind of “personalization†phenomenon often occurs on new bodies, so we must do our homework in advance when buying a car. Not only need to understand the car, but also need to understand some of the attached items of the car. When a new car purchases insurance, there are other types of insurance in addition to compulsory insurance. How should one choose to buy it?
Three must-buy insurance:
Car damage insurance
An insured person or his/her permitted driver has an insurance accident while driving an insurance vehicle, resulting in damage to the insurance vehicle, and the insurance company will compensate him within reasonable limits. In addition to the TAC, the vehicle damage insurance and the three-responsibility insurance are the basic insurance for vehicle insurance, which mainly compensates for the losses of the insured vehicles and the losses caused to the third party by the insured vehicles in use. There are many situations in which vehicle damage insurance is insurmountable, such as: spontaneous combustion of the vehicle, broken glass alone, scratches on the vehicle body, and flooding of the vehicle, and the owner of the vehicle again causes the engine to be damaged due to fire.
2. Traffic Insurance
The compulsory traffic insurance country requires every vehicle to be purchased. It belongs to the mandatory liability insurance for motor vehicle traffic accidents. The object of compensation paid by the TAC insurance is to be hit by one party, which can provide the victim with the most timely and basic protection. According to the victim's personal injury and property loss, the highest amount of compensation can be provided.
3. Third party commercial liability insurance
The insurer or his/her permitted driver's accident during the use of the insurance vehicle causes the third party to suffer personal injury or death or direct damage to the property. In accordance with the law, the insured shall bear economic responsibility, and the insurance company shall be responsible for compensation. After the introduction of the strong insurance, the third party commercial liability insurance can be used as a supplementary insurance. ,
Some insurances can be purchased on their own terms:
Like scratch insurance, self-ignition insurance, wading insurance, excluding insurance, the insurance car owners can buy as the case may be. In addition to these insurances, there are a series of insurances such as glass insurance, loss-of-parking insurance, stolen emergency insurance, and seat insurance. If you buy them all, it is estimated that they are not too small. Areas such as the northwest and less will not need to buy vehicles wading insurance, the probability of encountering floods in these places is very low, if you pay attention to some of the usual parking, do not have to worry about the engine flooded vehicles. Some medium and low-end models, with minor scratches, especially front and rear bumpers, do not affect the use at all, and do not need to purchase scratch and glass insurance.
Editor's Note: When the owner of a new car, if someone knows to sell insurance, you can not go to 4S shop to buy insurance, 4S shop insurance prices are high and scary. Owners can purchase insurance through the insurance official website, telephone bookings, insurance companies, etc., and choose the cheapest one after comparison.
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