To learn more about how to buy car insurance in the first year, please see the following.
With the economic rise, the car is no longer a luxury, more and more people choose to buy a car, and the most important thing after the car is to buy vehicle insurance. So, how to buy car insurance in the first year? The following small braid with you to understand.
Purchase of compulsory insurance
Compulsory insurance is a kind of compulsory insurance stipulated by the state, and all motor vehicles must be purchased. However, many car owners have some misunderstandings in the traffic insurance, they think that as long as the purchase of the traffic Insurance, in the event of a traffic accident, you can all be handed over to the insurance company to be responsible. In fact, the fact is not the case, the traffic insurance is mainly for the insured vehicles in the occurrence of traffic accidents is to cause damage to property, casualties, compensation within the limit of liability compulsory liability insurance, but it does not include the personnel of the vehicle and the insured.
Second, the purchase of three basic commercial insurance
Three kinds of basic commercial insurance is the so-called vehicle damage insurance, third party liability insurance, vehicle personnel liability insurance.
(1) vehicle damage insurance
More than the novice, in the process of driving, it is inevitable that there will be some small scratches, so you need to buy a car damage insurance. Vehicle damage insurance mainly refers to the insured vehicle in the event of an insurance accident, causing damage to the vehicle, the insurance company will pay compensation within a reasonable range. However, it should be noted that the car damage insurance does not include theft, robbery, wheel damage, etc., so that not all traffic accidents can be paid.
(2) third party liability insurance
The so-called third party liability insurance is the insurance company to compensate for the loss of property of the above-mentioned persons and objects caused by the accident of the insured vehicle, which shall be the responsibility of the insured according to law.
At present, the amount of compensation for the third party liability insurance stipulated by the insurance company is mainly 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan.
(3) on-board personnel liability insurance
It shall be responsible for compensating for the injury or death caused by the traffic accident of the insured vehicle. The amount of this type of insurance is also selected by the owner. From the current situation of the insurance, the amount of each seat to 10,000~50,000 yuan in the majority, the number of drivers and passengers insured generally does not exceed the number of approved seats of the insurance vehicle.
Tip: How to buy car insurance in the first year? The first is to buy the traffic Insurance, the traffic insurance is the compulsory insurance of the state, all motor vehicles must be purchased, and then buy three basic commercial insurance, namely, vehicle damage insurance, third party liability insurance and vehicle personnel liability insurance.