New car insuranceWe're on our ownBased on a combination of actual needs and commercial insurance, of which strong risk-taking is a mandatory statutory purchase, commercial insurance recommends vehicle loss insurance, commercial insuranceThird-party liability insuranceThis is a core risk, such as personnel insurance and exemption from contract insurance. As the basis for the state's compulsory claims, the first annual premium for families of up to six vehicles is $950 for personal injury and damage to property, but the limit is limited to cover high accident losses; vehicle loss insurance guarantees that new vehicles will be covered by their own injuries caused by natural disasters (excluding earthquakes) or accidents, ranging from minor bumps to maintenance costs for serious collisions; commercial third-party liability insurance is an important supplement to the risk, which can effectively transfer the economic risk of third-party claims in major accidents by providing between 200,000 and 3 million guarantees; personnel risk covers compensation for injuries and injuries caused by traffic accidents among drivers and passengers, adding additional security to the safety of passenger vehicles; and, as an additional risk, exemption from the 5 to 20 per cent exemption provided for in the main risk provisions, allows owners to be exempt from paying their own compensation after an accident. In addition, in cases where vehicles are often parked in unattended areas, the risk of loss of body scratches or full-car theft may be considered; and in cases where there is a fear of broken glass alone, broken glass alone is also a useful supplementary option, with the owner having a flexible combination of his own vehicle environment and budget。
The choice of insurance coverage for commercial third-party liability insurance needs to be tailored to the actual situation, and where the day-to-day areas are mostly urban main roads or highways, it is recommended that priority be given to 2 or 3 million, and in the event of a serious accident, third-party vehicle maintenance, medical care costs may well exceed the maximum premium, and adequate coverage can effectively avoid large self-compensation by the owner. In the case of roads, mainly in suburban areas or with smaller traffic flows, between 500,000 and 1 million will also cover basic needs, depending on their own risk tolerance and budgetary flexibility。
The scope of protection against car theft requires special attention, only in cases of theft of the vehicle, and is not liable for compensation if only the contents or individual parts of the vehicle have been stolen, such as tyres, rear-view mirrors, etc. As a result, the need for piracy insurance is reduced when vehicles are equipped with reliable anti-piracy devices and permanently parked in a regular, controlled parking area; on the contrary, if the parking environment is complex and there are no fixed custodial measures, they can be included in the insurance list。
Loss of body scratches andVehicle lossesThere is a clear difference in the scope of the safeguards, with vehicle loss insurance being aimed primarily at body injuries caused by accidents such as collisions, run-overs, etc., while scratching specifically compensates others for the absence of visible collision marks resulting from malicious acts. The new vehicle is painted in such a way that if it is often parked in an open parking lot or in a small area of public space, the risk of malicious mutilation is relatively high, at which point the insurance trail covers the cost of repair; if the vehicle is parked in a private garage, the risk may be omitted as appropriate。
The break-up of the glass was only for the windshield and the window window of the vehicle, and if the break-up was caused by a combination of accidents such as vehicle collisions, it would have to be compensated through the vehicle. While some of the owners may not consider the glass to be easily damaged, it is not uncommon for the windshield to break as a result of stones hitting a high-speed journey, and insurance against this risk would reduce economic pressure if the vehicle was equipped with glass imported from the original plant and the replacement cost was high。
When the new vehicle is insured, the core insurance portfolio already covers most of the common risk, while the additional risk is selected on a needs-based basis in combination with the car scene. At the same time, prior to insurance coverage, the prices and services offered by different insurance companies are compared, attention is paid to the details of the time limit for settlement of claims, network coverage, etc., to ensure efficient service in case of subsequent risk. In addition, the maintenance of a good driver's record and the next year's renewal of the policy would benefit from premium discounts, further reducing the cost of using vehicles。
