In recent years, the development of the automobile industry is very rapid, but the incidence of traffic accidents is also increasing year by year, vehicle insurance in the vehicle after a traffic accident appears to be very important, especially for commercial vehicles. Due to the fixed thinking of people, when they see that there is a traffic accident in the truck to participate in the preconception is the overload of the truck, and then cause the traffic accident. So today, let’s talk about the insurance of the truck.
1. Selection of the nature of use of the vehicle
The above picture shows the traffic insurance policy of a certain vehicle. It can be seen that the name of the vehicle is a company in Xiangyang, and the nature of its vehicle is “non-operating truck”, then the car can only be used by the company after the completion of the house, and the goods drawn are the goods owned by the company. Does not produce any profit-making behavior, only when a transport equipment in use.
When the name of the person is personal, you can choose the nature of the operation and the nature of the non-operation of the vehicle insurance, then you should consider it, if you buy a car ready to run freight logistics to make money or pull vegetables and fruits to sell to make money, then you are better to buy the nature of the business insurance, because you are using your car to engage in business activities, make a profit. When you buy a car is only for your own use, such as your home to contract the fish pond, vegetables and other need to use the car, you can buy the nature of the insurance, because of their own use.
Some users may say that I buy the non-operating nature of the insurance run freight, after the risk I said self-use vehicles, are my own goods. In this case, the small amount of compensation is no problem, the insurance company generally will not go deep. However, if a major traffic accident is involved, the insurance company will initiate an investigation, and once it is found that the non-operating nature of the insurance is engaged in freight activities, the insurance company will directly refuse compensation for this reason.
2. The choice of commercial insurance
How to buy commercial insurance, what kind of insurance to buy? Many driver friends are very confused, in fact, it is very simple, I will introduce you to a few more practical types of insurance.
Third party liability insurance. This insurance is out of danger, if the responsibility of one’s own side, to help pay the other side of a type of insurance, the amount of insurance from the beginning of 10,000 is not capped, generally our freight vehicles to buy a 1 million of the third party can be.
Vehicle damage insurance. Vehicle damage insurance is after the risk of their own responsibilities, their own vehicles damaged, repair the cost of compensation of a type of insurance, buy a car damage insurance, after the risk of vehicle repair their own money.
3. On-board insurance. The on-board personnel insurance is an insurance for the medical expenses of the injured persons on the vehicle when it appears, provided that the number of nuclear personnel cannot be overloaded. Its coverage is also 10,000 start, do not cap. It is generally recommended that the driver buy a 100,000 of the insurance, the passenger 50,000 of the insurance is enough.
4. The patient is not excluded from the claim-free insurance. No compensation is also called zero-free compensation, it is for each commercial insurance, you can buy alone, you can also buy together. For example, you can only buy the third party without compensation, other like car damage, the car can not buy. You can also buy all commercial insurance without loss of liability.
Other like theft, if your car is a loan to buy, some companies must buy, if the full car is not necessary to buy this type of insurance. There are other like spontaneous combustion insurance, water-related insurance, glass insurance, thank you new cars are generally not recommended to buy, not much practical significance. If you buy glass insurance, the premium is 200 or 300, a piece of truck glass is 300 or 400 dollars, if you have insurance, but also occupy your number of occurrences, not cost-effective.
Conclusion: in fact, the type of insurance is far more than the above mentioned, this is the most commonly used types of insurance, I hope to give the driver friends a little help.
Compared with cars, due to the strong volume and the difficulty of operation, the risk of the truck is more, and the possibility of danger is relatively high, so for the train, insurance is also of paramount importance. But for the truck driver, how much a year is absolutely a big problem, how to calculate the cost, the scope of payment and what content, is the truck driver should know. How much is the truck insured for a year? Let’s take a look at it today.
Many professionals believe that the characteristics of car insurance itself is only one aspect. More often, the driver needs to further determine how to calculate the truck insurance based on the accident in the previous year. Because only if you have a good idea, you can buy the best service, with a minimum of money to buy a new car insurance, which can lay a more solid foundation for your future Road.
The truck is different from the general family car, and its route is relatively longer, and sometimes there is a cross-provincial situation, so if there is a danger, if you can not bring the service to the owner in time, then the advantages of car insurance can not be highlighted. Therefore, most of the new road truck drivers, will also be the car insurance service is timely, as an important indicator of the choice of car insurance. Of course, the final decision is the comparison of services and prices. In general, freight car insurance is calculated on the basis of tonnage, and the vast majority of freight cars also include the routes that they travel frequently. Different routes and different road conditions, may affect the cost of the final formation of the truck car insurance.
But overall, the amount of freight car insurance is more cost-effective than the household car, and the payment is also more comprehensive. However, it should be noted that the operation of the truck is not required to double the insurance cost, so the owner of the new year when asking about the insurance, can be combined with the specific analysis of the dangers that occurred in the previous year, if there is a change in the route of travel, we must also communicate with the car insurance in a timely manner.
Finally, I talk about the price of freight car insurance. Usually, due to the difference of insurance companies and the breadth of the scope of protection, the price of different situations is naturally different, but in general, the price of truck insurance is about 2-40,000 a year, in order to fully protect the truck driver, the purchase of truck insurance is still very important.