Should I buy car damage insurance? Why are more and more people not going to buy this car damage insurance now, some time ago Tutu shared some knowledge about car insurance, I see that there are many people in the comment area who have launched a very heated discussion on the issue of car damage insurance, different people have different views on this issue, for example, some people feel that car damage insurance must be bought, because in case there is a problem with the car, even if it is their own reasons, they can also have an insurance company to cover it, and they don't have to pay for car repairs. Of course, some people think that car damage insurance is useless, and they don't use it once every few years, and the money is wasted. So should you buy car damage insurance? Today Tutu will come to talk to you.
First of all, we need to know what car damage insurance does, as we all know, the most bought car insurance is compulsory traffic insurance, three insurance, and compulsory traffic insurance is to have to buy, and three insurance is liability insurance, but also have to buy, after all, no one dares to guarantee that they will drive on the road without any problems. After a traffic accident, according to the division of responsibilities by the traffic police, the three insurance is used to compensate each other, and the car damage insurance is used to pay for oneself.
In this case, if the loss of the accident is relatively large, and there is no car damage insurance, we need to pay out of our own pockets, and if we don't want to pay out of our own pockets, we need to use this car damage insurance, that is, the first party liability insurance, for example, we drive a traffic accident, it is our responsibility, the three insurance pays the other party to repair the car, but our own car must also have damage, at this time there is car damage insurance, you can use car damage insurance to repair our own car, car damage insurance is used for this.
Having said all this, should you buy car damage insurance? In fact, there is only one criterion, that is, whether it is expensive for us to pay for the car repair, and whether it is cost-effective compared with the proportion of car damage insurance, for example, there are many friends who do not support buying car damage insurance, which means that the value of his vehicle itself may not be high, for example, for example, a car that costs tens of thousands of yuan, or a car that is very old. Such a car usually has some scratches, will not be repaired at all, even if there are some scratches more serious places, do a sheet metal repair spray paint is only a few hundred dollars, change a car light and a reflector is also a few hundred dollars can also be done, even if you buy car damage insurance, when repairing the car will not necessarily go insurance, one is troublesome procedures, the other is involved in the next year's premium after the insurance, in this case, you do not need to buy car damage insurance.
But if the cost of repairing the car is relatively high, in other words, the zero ratio of the vehicle is relatively high, and the value of the car is relatively large, such as more than two or three hundred thousand, or even more of these luxury models, in this case, it is definitely not possible to buy car damage insurance, just scratch the car paint, it will cost thousands of dollars, and in addition, like Audi, which is known as the "lamp factory", it will cost tens of thousands of yuan to change a car light, in this case, there is no car damage insurance, and if you pay this money, it must be more painful to change anyone, After all, the cost of repairing a car is much higher than paying car damage insurance, so the only criterion for judging whether to buy car damage insurance is not whether the driver's skills are skilled, nor whether you are an old driver, nor how many miles you drive in a year, but the value of your vehicle and the cost of repairing the car.
If the value of your vehicle itself is relatively high, the cost of repairing the car is also relatively high, and it costs thousands of dollars to rub a car paint, and tens of thousands of dollars to change the lights at will, in this case, you must buy car damage insurance, but if your car itself is not worth much, a car within 100,000 yuan or a car that is very old, scratches and scratches do not care, sometimes even do not repair at all, or the cost of maintenance is very low, in this case, you can choose not to buy car damage insurance, Actually, it's that simple question.
I don't know if you have purchased car damage insurance for your car, what do you think is the standard for buying car damage insurance? Or do you think that car damage insurance is a must-buy or not-to-have? Feel free to leave a message and let us know what you think.