Many drivers are recommended by their operators when they buy insurance, and they buy a lot of insurance, which costs thousands of dollars a year, and most of the guarantees are not used at all. A friend of the traffic police stated that the car insurance would not be bought blindly, that the core would have to choose between the two, and that much of the rest would be optional and that the extra money would be a waste。
First of all, take advantage. This is the type of insurance that the state is obliged to purchase, which cannot be bought without road travel or annual inspection. It is responsible for each other's personal casualties and property losses in the event of an accident, but the compensation is limited and, in the event of a major accident, the risk of exposure is far from sufficient。
Second, third-party liability insurance. This is what is often referred to as three-person insurance, which is used to pay compensation for injuries, vehicles and property damage to the other party in the accident. The high amount of road traffic, the high amount of human injury compensation, the proposed amount of at least 2 million cases and a sufficient budget of 3 million directly avoid most of the significant compensation risks。
Do you want to buy the car, the seat insurance? It can be weighed against your circumstances. The cost of repair and maintenance of vehicles is covered by insurance, which may be considered as appropriate if the vehicle is very old, has a low residual value, is expensive to repair and has a high cost of insurance; however, insurance for new vehicles and expensive vehicles is necessary. The liability insurance for personnel on board is appropriate for the owner of the vehicle, who often carries family and friends, and alternative options may be considered by non-residents。
Car insurance does not match everything, and it is not as risky as it can be to buy as many vehicles as possible, but to buy them on an as-needed basis, based on the value of the vehicles and the scene。
Disclaimer
This is a general reference for knowledge and does not constitute any recommendation for insurance. The choice of vehicle risk insurance involves a combination of the vehicle's condition, the vehicle environment and personal risk tolerance, with specific insurance schemes consulting the formal insurance company. This view does not represent an opinion to be given to the police officer, and liability for traffic accidents, settlement of compensation is determined by the terms of the insurance contract and the authority responsible for the transfer。
