Many car owners, especially new car owners, are very upset about purchasing insurance. Basically what people say is what they buy, or if they want to save money, they don’t need to buy all kinds of insurance. In fact, today’s people are told to buy car insurance. The basic principles are for your reference only.
Priority purchase of full third party liability insurance
All third-party auto insurance insurance is the most important. After all, if a car is destroyed, you can't drive. However, other people's compensation is not exempt. If you want to buy auto insurance, you should give priority to the ability to maintain compensation for other people's losses. In order to avoid similar troubles, the third party is still insured.
The insurance amount of the three risks shall refer to the compensation standard of the location
Compensation standards vary from place to place in various parts of the country, and they are calculated according to the highest standards for car insurance compensation. I suggest you take a look at your old insurance policy. If it is insufficiency of insurance, it is recommended to insure at least 200,000 and conditional insurance of 500,000, not to save money for third party liability insurance. Some insurance companies have insured more than 500,000 and still refuse insurance. From this perspective, you should know the key to third-party liability insurance.
After buying a person’s car on board, buy a car damage insurance
If there are no other accident insurance and medical insurance owners, give yourself a 100,000-odd driver insurance, as a medical expense, be regarded as responsible to the family. Passenger insurance If the passengers have a higher chance of riding, they can insure more, 5-10 million per seat, which is regarded as the responsibility of family members and passengers. If the passengers are less likely to ride, it will be more economical to maintain 10,000 yuan per seat.
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