In the second-hand car trade, the general seller often leaves only the car insurance that is close to maturity, so the buyer has to reconsider the risk when taking over.
Second-hand car insurance to choose more to understand the trade-off, the insurance market can be used for second-hand car insurance more types of insurance, consumers reasonable insurance is relatively difficult.
Motor vehicle insurance clauses include 2 basic risks and multiple additional risks, the two basic risks are vehicle loss insurance and third party liability insurance respectively, and the multiple additional risks include vehicle theft and rescue, vehicle personnel liability insurance, no-fault liability insurance, vehicle cargo fall liability insurance, glass separate breakage insurance, vehicle shutdown loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, non-reimbursement specific insurance and other types of insurance. In addition to the third party liability insurance is mandatory insurance must be purchased, other types of insurance to buy depends on their own, the owner can be based on their own economic strength and the actual needs of the selective insurance.
Here to provide you with several versions of the used car insurance program, I hope the owner of the friend can find the right choice.
scheme 1: one main risk + one additional risk insurance type: third party liability insurance + vehicle personnel liability insurance for ordinary car owners, in the event of a traffic accident causing the death of others, the cost of compensation for the injured is undoubtedly a huge cost. If the owner of the insurance of the third party liability insurance, then the loss caused by the third party has a certain degree of protection. In addition, if the driver is mainly responsible for the traffic accident, it must also be responsible for the passengers in the car, then the vehicle personnel liability insurance is essential. Third Party Liability Insurance + on-board personnel liability insurance insurance scheme is undoubtedly the cheapest, but the protection is not sufficient.
scheme 2: two main risks + two additional risks: vehicle loss insurance + third party liability insurance + vehicle personnel liability insurance + no-fault liability insurance vehicle loss insurance and third party liability insurance including some basic insurance coverage, the loss of the vehicle and the loss caused by the third party have a certain degree of protection, and the cost is moderate, the two insurance is the most basic. No fault liability insurance is a supplement to the third party liability insurance, we hit the people crossing the road on the highway, if you buy the type of insurance, the victim’s rescue fee, the expenses for the death and death can be paid by the insurance company.
Experts also believe that for used cars, this program is cost-effective, and the protection is relatively more adequate than the first, which is a good choice for old drivers of used cars.
used car insurance plan 3: two main risks + four additional risks: vehicle loss insurance + third party liability insurance + vehicle personnel liability insurance + no-fault liability insurance + All-vehicle theft and emergency rescue + spontaneous combustion insurance. Many aspects of the problem of novice driving are not noticed, and prone to wrong operation, so the vehicle loss insurance, third party liability insurance, vehicle theft and emergency rescue, vehicle liability insurance, no-fault liability insurance, and spontaneous combustion insurance are the six items of insurance that should be paid by the novice who purchases the used car. The risk of theft and robbery is taken into account in the entire vehicle, so that the owner can be protected against a greater risk. On-board personnel liability insurance can make the personnel on the car casualties compensation, although the cost is higher than the economy, but in the event of an accident, can greatly reduce their own losses.
used car insurance plan 4: two main risks + N additional risks: vehicle loss insurance + third party liability insurance + non-compensatory liability insurance + vehicle personnel liability insurance + glass separate breakage insurance + full vehicle theft rescue and other capable friends can also increase the new equipment loss insurance, no fault liability insurance, etc, in order to protect the safety of the car. Therefore, it is recommended that the full economic strength of the owner to buy the full car insurance, so that the scope of protection is more comprehensive. Of course, this option is also the most expensive. Consumers should be based on the value of the used car, personal economic status and driving skills, etc., voluntarily choose the appropriate type of insurance.
I hope the above content, you buy used car insurance should have a great help.