When the owner buys a new car, the first thing to do is to settle the vehicle and hang out, and before the settlement and listing, the owner needs to buy vehicle insurance, because the vehicle has a compulsory insurance for motor vehicle traffic accident liability must be bought, which is clearly stipulated by the law, if there is no compulsory insurance, the vehicle management office will neither give the license nor give the car review, and the traffic police will need to be fined twice the insurance cost.
In addition to compulsory insurance, which must be purchased, the vehicle also has commercial insurance, the so-called commercial insurance is a general term, including motor vehicle third-party liability insurance, vehicle damage insurance, vehicle personnel accident insurance and other types of insurance. There are also some glass insurance, body scratch insurance, etc., with the reform of car insurance, these glass insurance and body scratch insurance are incorporated into the vehicle damage insurance.
Personally, I feel that in addition to compulsory insurance, which is required by law, there is also a type of insurance, which is best to buy, that is, third-party liability insurance, and the insurance amount is recommended to buy 3 million and above, because when a traffic accident occurs, as long as the driver of the car is responsible, then the compulsory insurance will first compensate the other party, and when the relevant expenses of the other party exceed the amount of compulsory insurance, it is necessary to use commercial insurance, that is, third-party liability insurance to compensate, so this type of insurance must be purchased.
The amount of compulsory insurance is calculated separately and is divided into three parts. The first part is the medical expenses, the amount of compulsory insurance is 10,000 yuan, as long as the other party's medical expenses do not exceed 10,000 yuan, it is compensated by the compulsory insurance part;The second part is the loss of goods, which is two thousand yuan, that is, the compensation of compulsory insurance is not more than two thousand yuan;The third part is a total, including lost work expenses, nursing expenses, food subsidies, transportation expenses, disability allowances, death compensation and other compensation contents, and the total amount is not more than 10,000 yuan.
Therefore, when the owner buys a car, he must buy all the insurance, which is the so-called full insurance. Including compulsory insurance and commercial insurance, commercial insurance must purchase more than 3 million third-party liability insurance, and the ability to buy motor vehicle damage insurance, car occupant insurance and other types of insurance.
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