Nowadays, more and more people are beginning to become car owners, and some car owners often have difficulties when buying car insurance for their cars. Vehicle insurance, which is purchased every year, is something that all car owners know. In insurance, compulsory traffic insurance is compulsory insurance, and it must also be purchased, and vehicles that are not within the validity period of compulsory traffic insurance are not allowed to drive on the road. During the annual inspection of the vehicle, it is also necessary to check the compulsory insurance policy. Car owners have basically no problems in purchasing compulsory traffic insurance, the key lies in commercial insurance. Commercial insurance is not compulsory insurance, it depends on the needs of individuals to buy, and there are many types of commercial insurance, how to choose is also very exquisite.
Some people think that commercial insurance is not a compulsory type of insurance, so you don't have to buy it, you can save a fee. But in fact, we are driving on the road, no one can guarantee that nothing will happen, there is a real accident, a little more serious, the cost of maintenance is far more than the insurance premium. Therefore, the commercial insurance car uncle believes that it is still necessary to buy.
The first is car damage insurance, which is the maintenance insurance of your own vehicle. Whether it is a bicycle accident or a collision with another car, as long as there is car damage insurance, the maintenance of your own vehicle can be insured.
In addition, there is third-party liability insurance. Vehicle accidents, always because of the collision of people, cars or things, their own vehicle damage insurance is responsible for the claim, the loss of people and vehicles that are hit, although the compulsory insurance can also be paid, but the amount of compensation is too low, especially when encountering high-end cars or someone is injured, it is even more a cup of water. Third-party liability insurance can make up for the deficiencies of compulsory traffic insurance and help car owners reduce losses. Now many people's risk awareness is getting higher and higher, and the amount of third-party claims is getting higher and higher, basically around 1 million.
Does commercial insurance include car damage insurance?
is included. In commercial insurance, there are many different types of insurance, common vehicle commercial insurance is car damage insurance, third-party liability insurance, vehicle personnel liability insurance and so on. Moreover, after the auto insurance reform in 2020, additional insurance types such as full vehicle theft insurance, engine wading insurance, spontaneous combustion insurance, glass break insurance, excluding deductible insurance, unable to find third-party insurance, designated repair shop insurance, etc., which previously needed to be purchased separately, have been summarized as car damage insurance and do not need to be purchased separately.
At present, the current commercial insurance is very rich, and almost all content can be guaranteed. And after purchasing commercial car insurance, you may also enjoy some free services of insurance companies, such as free trailers, free annual inspections, annual oil delivery, etc. Different insurance companies have different services, and you can consult with the insurance companies you are insured.
What factors should be considered in the car insurance configuration?
In fact, not buying car damage insurance is not an isolated case, and even some car owners only buy compulsory insurance. From the data, the difference between the number of motor vehicle insurance policies and the number of motor vehicle ownership also indicates that there are still "fish that miss insurance". From the perspective of financial management, the allocation of insurance should consider their driving habits, price tolerance and risk management awareness.
Different car owners will consider it according to their own attitude to risk and the cost performance point of view. Uncle Che suggested that due to the uncertainty of risks, from the perspective of adequate protection, commercial insurance such as car damage can be considered.
Compulsory traffic insurance is compulsory insurance, and commercial insurance is optional. Because in traffic accidents, the amount of compensation for personal injuries is relatively high, some car owners may think that compulsory traffic insurance and third-party liability insurance are enough to pay, but for the loss of the vehicle itself, the daily risks are difficult to bear. If a traffic accident occurs, under normal circumstances, if it is your own responsibility and there is no car damage insurance, you cannot pay for your own vehicle loss.
Uncle Che summed up
Uncle Che suggested that in addition to compulsory traffic insurance, commercial insurance is still very necessary to buy, the main purchase of insurance can choose car damage insurance and third-party liability insurance, the rest depends on the actual situation and needs of vehicle use, reasonable purchase of insurance, if there is a problem, you can save a lot of trouble.