It's important to buy insurance for your car!
Novice partners who don't know which types of insurance to buy can take a look at my previous article:
How to buy insurance for a new car is cost-effective.
But some partners are more confused, why does my insurance policy have both seat insurance and driving insurance?
What is the difference between these two? Is it necessary to buy them all?
It is the upper personnel liability insurance, which belongs to the scope of motor vehicle commercial insurance.
It is divided into driver's seat insurance and passenger seat insurance, and the insurance amount can be selected independently, and compensation will be made according to the proportion of accident liability.
It should be noted that because the other party's vehicle is fully responsible for the personal life of the person on the car, the seat insurance will not be compensated.
Accident insurance for drivers and passengers is an accident insurance.
In the event of an accident while driving a motor vehicle or riding in a motor vehicle, the insurance company compensates the driver.
First of all, we must make it clear that seat insurance, along with car damage insurance and three-party insurance, belongs to car insurance. Whereas, driving insurance is accident insurance, not car insurance.
1. Different safeguard responsibilities:
Seat insurance: It protects the financial liability that the insured should bear according to law, which is a liability insurance.
Compensation can only be obtained if the car causes an accident due to the driver's responsibility and causes personal injury to the occupants of the vehicle.
If it is the responsibility of the other party's vehicle, the liability insurance of the occupants of the vehicle will not compensate.
Driving insurance: Liability generally only covers the accidental death, accidental disability, accidental medical treatment, hospitalization allowance, etc. of the driver and passenger.
Regardless of who is responsible, as long as it is the person in the car, they can get compensation.
2. The payout ratio is different.
According to the proportion of the proportion of compensation to pay compensation, generally speaking, the car is fully liable for 100%, the main liability is 70%, the same liability is 50%, the secondary liability is 30%, and no liability is not paid.
Regardless of who is responsible for the accident, the insured amount will be paid according to the terms of the insurance.
3. The insured objects are different.
Coverage can only be applied to the seat on the bus.
The insured person can choose to follow the car or with the person, if with the car, and the seat insurance, the driver and passengers on the car are insured.
If it's with someone, it's which car to drive and which car to keep which car!
Depending on the purpose and needs, there can be different options:
If you are a private car, it is recommended to take a driving insurance with you if you usually bring relatives or friends and colleagues occasionally. Although the premium is more expensive, in the event of an accident, the sum insured is also higher and the compensation is more.
If you often drive to strangers, it is advisable to purchase seat insurance. In the event of an accident, which happens to be our responsibility, seat insurance allows us to pay less money and reduce losses.
Of course, it's best to buy both!
Driving insurance