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[No Wrong Money] Car insurance can be bought like this

[No Wrong Money] Car insurance can be bought like this

  • Categories:Market
  • Author:
  • Origin:
  • Time of issue:2017-07-10
  • Views:

[No Wrong Money] Car insurance can be bought like this

  • Categories:Market
  • Author:
  • Origin:
  • Time of issue:2017-07-10
  • Views:
If you think that car insurance is just a matter of peace of mind, you are quite wrong. In this era of "cars are expensive", if you accidentally "kiss" a millions of Ferraris or hit someone when you go out, you will not only sell your kidneys, but you can't afford to sell yourself! So car insurance has to be bought, but you have to look down if you want to not spend any wronged money.
 
When buying a new car, they often follow the advice of the 4S shop staff and choose to buy full insurance. In this dazzling array of insurances, there are actually some insurances that are not necessary at all. Today I love cars and I will summarize what kind of car insurance is genuine for you.
 
Auto insurance must-buy type: third party liability insurance, third party liability insurance and auto damage insurance excluding deductibles, theft and rescue insurance, and vehicle loss insurance must be purchased. With these insurances, under normal conditions You can be at ease.
 
Third party liability insurance:
 
Third-party liability insurance can compensate third-party losses caused by accidents, including property and personal injury, but does not include mental damages and various indirect losses. Generally, the amount of third-party liability insurance is between 200,000 and 1 million, and the purchase of 50 is more. If you feel that you can spend more money to buy a peace of mind, you can also buy 1 million.
 
Pirate rescue:
 
After buying the theft insurance, the vehicle is reported to the police for theft for three months (some 60 days have passed) and the insurance company will settle the claim if it is not recovered. But this must include depreciation and absolute deductible 20% (that is, 80% after depreciation).
 
Vehicle loss insurance:
 
Vehicle loss insurance refers to the cost compensation insurance caused by the accident caused by one's own reason or other objective reasons (water flooding, fire, etc.) that causes damage to the own vehicle/the other party's vehicle. This is generally required to buy. Daily rubbing, the insurance company can pay for the repair costs you incur.
 
Deductibles are not included in third party liability insurance and car damage insurance:
 
Excluding deductible insurance is an additional type of auto insurance. As long as the car owner has insured this type of insurance, he can pass on his 5% to 20% liability to the insurance company. This kind of insurance is relatively cheap, and it is worth considering for old drivers to maximize their claims.
 
Auto insurance can be ignored:
 
Spontaneous combustion insurance:
 
In fact, spontaneous combustion of the vehicle during the warranty period is covered by the manufacturer’s warranty, so it is not recommended to buy a new car. If the warranty period expires, you can purchase it according to the actual situation.
 
Wading insurance:
 
If there are fewer floods in your area, then this insurance is not necessary.
 
Individual glass breakage risk:
 
It is not necessary to purchase separate glass breakage insurance. In fact, as long as you learn how to deal with it flexibly, you can convert it into car damage insurance.
 
Scratch insurance:
 
This type of insurance depends on the model. If the repainting cost of the purchased model is not very expensive, you can skip it.
 
Driver and passenger insurance:
 
Personal accident insurance is generally purchased by individuals, so this can also be considered PASS.
Previous: Where are the unsold cars? It was handled like this
Next: Automatic cars have an S gear. Do you know how to use it?
Previous: Where are the unsold cars? It was handled like this
Next: Automatic cars have an S gear. Do you know how to use it?

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