What kind of insurance did the new car just mention?
I'm not sure what i wantThird-party liability insuranceI don't knowVehicle lossesThere is a need for insurance in case of theft and theft and liability for the personnel on board。
1. Prioritize the purchase of full third-party liability insurance. Car insurance should be purchased in the first place in order to maintain the ability to compensate others for their losses, otherwise the accident would be helpless. Although third-party liability insurance almost overlapped with risk-taking functions, it was used to pay medical or compensatory costs to the other party after the owner's car crashed. At present, however, there is limited security capacity to cope with major human injuries, and third-party liability insurance should generally be purchased。
2. The amount of insurance for the purchase of three-person insurance is to be determined by reference to the rate of compensation in the locality. The standard of compensation varies from one place to another in the country, and in the case of one person who died, the maximum compensation in shenzhen could be 1. 5 million yuan and the maximum in hubei could be more than 600,000 yuan. Owners are advised to look at their own old insurance policy and, if the insurance is insufficient, at least 200,000 and conditionally 500,000。
3. Purchase of vehicle loss or loss insurance after the purchase of personnel on board. If there is no other accident insurance and health insurance owner, buy one hundred thousand drivers as medical expenses and are responsible to the family; if the passenger is travelling at great odds, he/she can be insured at 5-100,000 seats, responsible to his/her family and passengers. If there are few chances of travelling, 10,000 per seat is more economical。
4. The purchase of vehicle-related insurance risks is followed by other types of insurance. Traffic accidents are often accompanied by car damage, and the cost of repairing cars cannot be reduced. Vehicle loss insurance is the most widely applied risk element of vehicle insurance, whether it is a minor scratch on a routine basis or a serious car damage caused by an accident, for which the insurance company may be required to recover the repair costs, provided that they are covered by the insurance liability. However, there are various exemptions for vehicle loss insurance, so the owner should study carefully the provisions of the vehicle loss insurance prior to taking insurance and acquire the contents of the vehicle loss insurance so as not to fall into the wrong settlement area。
5. Three-person insurance, liability insurance for driver's seating and exemption for vehicle loss. If you spend more money, the insurance company will pay no discounts. The so-called exemption is called “no exemption from contractual liability”. The non-compensation liability risk is divided into primary and additional risks. The primary risk to which compensation is not payable is that of vehicle loss and third-party liability. The additional risk goes hand in hand with additional risk species such as “stabbing risk”, “piracy risk”, etc。
Other risk types are purchased selectively in combination with their own needs. Risks such as theft insurance and glass break-ups alone, which have less impact on household well-being and property than the first five, should be taken into account when ensuring that the first five principles are met。
The new vehicles just mentioned are generally preferred, but in case of vehicle insurance, the choice should be made on the basis of need, as is often the case with compulsory insurance, and other insurance can be purchased on the basis of their own needs, without which the normal use of the vehicle would not normally be affected, requiring the driver's discretion。
