For many car owners, the annual cost of car insurance is a significant expense. Among the many car insurance products, compulsory traffic insurance is a must, otherwise motor vehicles will not be allowed on the road. So can you buy compulsory traffic insurance directly?What are the dangers of buying only compulsory traffic insurance for car insurance?Let's break it down!
What are the dangers of buying only compulsory traffic insurance for car insurance?Although a motor vehicle with compulsory traffic insurance can be used on the road, it is still not recommended that you only purchase compulsory traffic insurance, as car insurance does not provide complete protection. Once a car insurance accident happens, it will bring you greater losses. The dangers of buying only compulsory traffic insurance are as follows:
The compensation limit of compulsory traffic insurance and the compensation amount of compulsory traffic insurance are not very high. If the owner is responsible, the maximum compensation for death and disability is 110,000 yuan, the maximum compensation for medical expenses is 10,000 yuan, and the maximum compensation for property damage is 20 million yuan. The owner is not responsible for anything. The maximum compensation for death and disability is 11,000 yuan, and the maximum compensation for medical expenses is 1,000 yuan.
The maximum compensation for property damage is 100 yuan. Expenses in excess of the limit can only be borne by the owner. In terms of compensation for property damage, the compensation limit for property loss of compulsory traffic insurance is only 2,000 yuan. If an ordinary car of about 100,000 yuan is repaired in a 4S shop, the total achievement of a lamp will cost 3000-5000, and a bumper will cost 2000-4000.
Not to mention replacing doors, gearboxes, etc. If it is considered a major failure, you have to fix the deficiencies yourself. Oh, and it's just someone else's car. It is impossible for your car to be completely undamaged. Your car will have to be completely damaged. If you pay for the repair, the compulsory insurance will not pay!Just think about it, and it will be counted.
In terms of personal injury compensation, the maximum compensation limit of compulsory traffic insurance is only 110,000 yuan, and now death compensation is often more than 1 million yuan. Even if the compulsory insurance pays out 110,000 yuan, the remaining amount is still an astronomical amount for most ordinary families. Only compulsory traffic insurance is provided.
Sometimes even if the other party loses less than 2,000 yuan, it is easy for individual customers to pay. For example, if a friend hits someone else's car at night, he directly gives the other party 2,000 yuan according to the limit of compulsory traffic insurance, thinking that he will apply for insurance the next day. After further calculation, it was found that people found various reasons not to cooperate, but the insurance company only compensated 300 yuan according to the ** at that time.
In the end, the other party refused to pay the remaining difference. There is no way to sue for this money, so I have to admit it. There are a few others like this. Don't be misunderstood. The upper limit is 2,000 yuan, which is the maximum amount of compensation for the victim's property damage. It depends on the actual loss, though. If it is not an accident, 2,000 yuan will be paid.
Third-party liability insurance sounds a bit like preventing infidelity and "second wives". In fact, this third party refers to a third party other than you and the insurance company. Whether it's a motor vehicle, a person, or a building, it counts as a third party. in scope. In the event of an accident, compensation will be paid to a third party.
Generally speaking, we recommend taking out at least 500,000 yuan of third-party insurance, and more than 1 million yuan is preferred. Now there are too many luxury cars, and medical expenses are too expensive. If you are not afraid of 10,000, you are afraid of accidents. Motor vehicle damage insurance, referred to as car damage insurance, basically covers the damage caused to your car by accidents and accidents.
In general, it is recommended that you purchase insurance that is equal to the amount insured according to the market** of the vehicle. This kind of insurance is familiar to everyone. I won't go into too many details, just a few small points: it is recommended that you deal with the loss of a few hundred yuan by yourself without insurance, so as not to increase the premium. If you can't find anyone after being scratched, the car damage insurance only pays 70%. In the case of full responsibility, using the other party's car damage insurance, the flood caused by heavy rain will be compensated, and the wheels are not covered.
To sum up, for private car owners, if they only apply for compulsory traffic insurance, the main consequences they face are the lack of necessary safety guarantees and a weak sense of risk aversion in the future. If you only rely on compulsory traffic insurance, it is far from achieving the purpose of risk control. Therefore, it is recommended to purchase third-party liability insurance with an insurance amount of 1 million yuan at the same time as purchasing compulsory traffic insurance, so as to obtain relatively adequate protection.
Automotive knowledge