With the increasing variety of automobile insurance, which is suitable for you and which is a waste of money? It has always been a puzzle for the insured, and it has also become a problem for many people.

Let's discuss with you.

1. compulsory insurance

Needless to say, this one must be bought! Compulsory insurance is a kind of insurance that must be purchased by law. All losses caused to the third party (except for the car and the passengers on the car) are covered by compulsory insurance no matter whether they are responsible or not.

Tips:

Since 2018, the compulsory traffic insurance is no longer a fixed 950 yuan or 1100 yuan.

In short, if there is no traffic accident, the cost will be less and less, and the accident will increase. With the insurance reform, if there are two accidents in one year, the premium of the next year will increase by 10%.

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2. vehicle damage insurance

Vehicle damage insurance refers to the loss of the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, which generally needs to be purchased, and the daily repair cost can be applied.

Note: if you are not the responsible party but can not find the perpetrator, the insurance company can only compensate for 70% of the loss of the vehicle damage insurance. When making compensation, the insurance company will make a certain amount of depreciation and compensation according to the use time and price of the vehicle. The general depreciation rate is 7.2% per year.

Comments: it can reduce the economic losses caused by accidents

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3. Third liability insurance

It refers to the amount of compensation that should be paid by the insured in accordance with the law for the accident of the qualified driver allowed by the insured in the course of using the insured vehicle, which causes the third party to suffer personal injury or death or direct loss of property. The insurer will make compensation according to the relevant provisions of the insurance contract.

Comments: now, bicycles and electric vehicles are crossing the road at will, and unexpected situations are emerging. I strongly recommend three insurances. The higher the amount of insurance, the better. I'll buy about 1 million by myself, and I'll buy a peace of mind.

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4. No deductible

In many accidents, insurance companies have a 5% - 20% exemption rate. When no deductible is purchased, the deductible amount borne by the owner due to the accident liability will be transferred to the insurance company, so that the owner can get more claims.

Comments: why not pay for low premium and high compensation

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The rest of the theft, scratch, auto ignition, glass, wading are basically useless. Generally, you don't need to buy them. If you buy a scratch to comfort yourself when the new car is dead, it's unnecessary for a car over one year.

Welcome to leave a message. What items do you usually cover when you get on the car insurance?