Auto insurance

How to buy auto insurance?Many novice while driving, the frequency of accidents are relatively high, so many owners because of worry and no experience, so will be able to buy the insurance.And some owners think that in addition to the insurance, the rest of the insurance are useless, in fact, the two are not.How to buy auto insurance?

1, the first is to buy insuranceInsurance is stipulated by the state mandatory coverage, all motor vehicles must be bought.But many owners have some misunderstandings on the insurance, they think that if they bought a strong risk, once appear, traffic accident, it can be responsible for all to the insurance company.Actually the fact is not the case, insurance is mainly to the insured vehicle in the traffic accident is to suffer property damage, casualties, compensate in the liability limit amount of compulsory liability insurance, but does not include the local staff and the insured.

2, the second is to buy three basic business risksThree basic business risks is the so-called coverage, third party liability insurance, liability insurance of the personnel on the car.

(1) coverageMore than novices, in the process of driving, hard to avoid can have some small ceng, so need to purchase a coverage.Coverage is mainly refers to the insured vehicle in the event of insurance accident, under the condition of vehicles damaged, the insurance company will compensate in a reasonable scope.But it is important to note that coverage does not include the stolen, robbed, wheel separately damage, etc., so, not all the modes can be repaid after the accident happened.

(2) the third party liability insuranceThe so-called third party liability insurance is insurance car accident led to the person, property damage, should be in charge of by insurant lawfully, compensation by insurance company.

At present, the third party liability insurance as required by the insurance company's compensation mainly has 50000 yuan, 100000 yuan, 150000 yuan, 200000 yuan, 300000 yuan, 500000 yuan, 1 million yuan and 1 million yuan of above.

3) the liability of the personnel on the carResponsible for the compensation of insurance car traffic accident caused by the default of casualties.The amount of this danger to plant also choose by owners.From the current coverage, amount, in the majority with 10000 ~ 50000 yuan per seat, the driver and passengers of the insurance is generally not exceed insurance car seats of check and ratify.