The insurance required for the new car consists mainly of mandatory mandatory insurance, as well as needs-based optionsVehicle lossesThe additional risk can be configured flexibly on the basis of a car scene. Among these, the risk insurance policy is mandatory under national law, the failure of insurance will prevent access to the licence plate, the premium will be linked to the number of seats in the vehicle, the cost of which is $950 for the first year of six new vehicles and will fluctuate depending on the circumstances of the accident; the loss or loss of a vehicle will cover its own loss as a result of the accident and will be suitable for newer or less experienced drivers; third-party liability insurance, as a supplement to the risk insurance policy, is recommended to cover more than 1. 5 million per cent of the first-line city, while other cities choose 1 million to effectively transfer the risk of compensation for a major accident; and the risk of personal injury is an important complement to daily travel. Together, these risks form the basic security system for new vehicles, and additional risks, such as scratching, glass break-ups, etc., can be selected on the basis of individualized needs such as parking environments, car usage habits, etc。
Following the comprehensive vehicle insurance reform in 2020, the coverage of vehicle loss insurance was further optimized: additional insurance such as full-car theft insurance, glass break-up, self-fire risk, water risk, etc., which would otherwise have to be insured separately, is now integrated into the main risk liability for vehicle loss, without the need for additional purchase. This adjustment has led to a significant increase in the usefulness of vehicle loss insurance, such as heavy rainfall during vehicle parking, resulting in damage to the engine's water, or the breaking of glass by a high-altitude crash, for which a reasonable amount of compensation can be paid. It should be noted, however, that the amount of compensation for loss or damage is directly related to the purchase price of the vehicle, and that the higher the cost of the vehicle, the higher the premium will be commensurate with the reasonable choice of the owner based on the value of the vehicle。
The third party liability insurance option needs to be combined with the actual use of the vehicle scene. The first-line urban road traffic is dense and, in the event of a major accident, the amount of compensation for personal injury or property damage is higher, and it is recommended that over 1. 5 million premiums be insured; and the second-line urban traffic pressure is relatively small, with a $1 million guarantee covering generally the risk of common accidents. In addition, if vehicles were to travel regularly in urban and rural areas or in areas with complex road conditions, an appropriate increase to 2 million would further reduce risk exposure. It is worth mentioning that the premium and the premium for third-party liability insurance are not linear increases, and the premium increase of 500,000 is usually within a hundred dollars, with a strong value for money。
The choice of additional risk needs to be combined with car usage and environment. As an additional risk to the vehicle's loss and injury, compensation is provided only for individual injuries on the face of the vehicle without visible impact marks, suitable for long-term parking in an open parking lot or by roadside owner; if the vehicle is parked in a controlled garage and the routine road routes are clean, the need for scarring is lower. While the individual broken glass risk has been incorporated into the risk of vehicle damage, care needs to be taken that only windshields and window windows are paid for, that the light, rear-vision glass are not covered by safeguards, and that the focus is on vehicles often travelling in areas prone to debris. While full-car theft insurance is of limited practical use in safer cities, insurance coverage may be considered in the absence of security measures in the area where the vehicle is parked or where there is a high incidence of robbery。
The level of coverage for vehicle personnel insurance can be adjusted flexibly, usually between $10,000 and $100,000 per seat, and the annual premium for up to six vehicles is approximately $100 to $200. In the case of drivers who travel regularly with family members and friends, it is recommended that at least $50,000 be insured per seat to cover medical expenses and disability compensation in the event of an accident. In addition, if the owner had purchased full personal accident insurance for his family, the insurance coverage for personnel on board could be appropriately reduced to avoid duplication。
In the course of insurance coverage, the owner of the vehicle must also take note of the following details: the premium float mechanism, which is directly linked to the number of times the risk arises, is three consecutive years without a risk and the premium is 30 per cent below; if the risk is three or more times a year, the premium rises by up to 30 per cent and may even be rejected by insurance companies. Therefore, day-to-day driving needs to be safe and less frequent. At the same time, it is important not to lose faith in the marketing of the “all-risk” of 4s, which often binds unnecessary additional risks, resulting in high premiums. It is recommended that, after identifying their own needs, they be insured through a network of insurance company officials, official apps or formal channels of representation, and that options with the highest price be selected against offers from different platforms。
In general, new vehicle insurance must be based on the principle of “statutory mandatory buy-up + core guarantee + additional on demand”, giving priority to additional insurance such as high risk exposure, high third-party liability insurance and vehicle loss insurance, and supplementing vehicle personnel insurance with a parking scene. Rationally planned risk combinations would ensure safety of travel and avoid unnecessary premium expenditures, making insurance a real umbrella for vehicles。
