There's insurance for new carsWe're on our ownThird party commercial liability insuranceVehicle losses, liability insurance for personnel on board, etc. Tight insurance is a compulsory state-purchase risk that provides basic security for traffic accidents. The third party's commercial liability insurance, as a supplement to the greater risk, may be liable in the event of an accident for the third party's excess liability limit. Vehicle losses are covered by accident or natural disaster. The personnel liability insurance provided security for the passengers and drivers of the vehicles。
In the first year of compulsory insurance, the price is uniform, which includes the payment of compulsory insurance and vessel taxes, with a limit of compensation for death and disability, medical expenses, loss of property and guarantees for the hit party in a traffic accident, totalling $122,000. It is the basis for road safety and, if not purchased, the vehicle will be detained and liable to payment of a fine equivalent to twice the premium。
Third, commercial liability insurance, with a common guarantee of 2-3 million, can be upgraded to 5 million if conditions permit. It is well placed to assume additional liability to third parties in cases of inadequate liability for risk insurance and to make the owner more comfortable when faced with compensation for accidents。
The maximum rate of compensation for the direct loss of vehicles as a result of natural disasters, accidents and accidents is determined by the premium and the deduction of depreciation. However, engine losses such as alterations, loss of insider goods and flooding and earthquakes are not covered by the award。
Personnel liability insurance, i. E., seat insurance, is provided on the basis of the number of seats, with a minimum of 1,000 per seat guaranteed and a maximum of unlimited coverage, which ensures the safety of persons on board in the event of an accident。
As for scratching, it was directed at the minor scratches of the vehicle's appearance. If you care more about the integrity of the vehicle, you can consider purchasing it。
In addition, there are additional risks that are not exonerated and that are pro rata upon purchase or, if not selected, in full。
In short, the choice of new vehicle insurance needs to combine multiple factors. While strong risk exposure is an option, the business risk component requires that the owner weighs the role and value of the risk against his/her own driving habits, day-to-day environment, etc., and selects the most suitable insurance package for his/her own safety and gives the traveler an additional security。
