As the November holiday approaches, many friends must already be planning their travel plans for November. Nowadays, there are various ways to travel, each with its own advantages, such as fast planes, comfortable high-speed trains, and affordable trains.


However, what Rui Niu likes the most is self-driving travel. He decides the destination, plans the route, and takes one car and one person.



The places along the way are full of unknowns and expectations. You may encounter high mountains, large rivers, or grasslands. During the journey, you will encounter pleasant scenery, and you can stop to enjoy the scenery. Do whatever you want, so uncomfortable.


When going out for fun, you must buy insurance. Today let's talk about the insurance purchased for the car: car insurance,


What are the classifications of car insurance?


What are the mistakes in buying car insurance?


01


Classification of car insurance


Car insurance is mainly divided into two categories: compulsory traffic insurance and commercial insurance


1.1 Compulsory traffic insurance


The full name of compulsory traffic accident insurance is "Compulsory Motor Vehicle Traffic Accident Liability Insurance" , which is a kind of insurance purchased by the state.


If you drive on the road without buying compulsory traffic insurance, this is an illegal act, and you can't register your new car, and you can't pass the annual inspection. If you are caught by the traffic police, you will be detained and fined.


Veteran drivers may be familiar with the content of compulsory traffic insurance, while novice drivers may still be in a state of confusion. In order to help you understand the compulsory traffic accident insurance faster, Rui Niu sends you a picture:


Although compulsory traffic insurance is very cost-effective, it has two fatal disadvantages:


1. The compensation object of the compulsory traffic insurance is the third party's personal injury and property loss


2. The insurance amount of compulsory traffic insurance is very low


Compulsory traffic insurance is our social insurance. Commercial insurance is a supplement to compulsory traffic insurance. It is not mandatory but can make up for the shortcomings of compulsory traffic insurance.


1.2 Commercial insurance


Commercial insurance is a little more complicated than compulsory traffic insurance. It is divided into main insurance and additional insurance . The main insurance is divided into car damage insurance, third party liability insurance, vehicle personnel insurance and theft and rescue insurance . There are even more additional risk points


1.2.1 Primary insurance


The full name of car damage insurance is " motor vehicle loss insurance ", which is the insurance that compensates for the loss of one's own vehicle.


The scope of compensation for car damage is quite wide. In addition to ordinary collision accidents, damage caused by hail, fire (excluding spontaneous combustion), and scratches are all within the scope of compensation.


Car damage insurance is suitable for people who need to use the car frequently and have a long journey.


The full name of the third-party liability insurance is "motor vehicle third-party liability insurance", which is the insurance for compensation to others.


The third party can be a car, a tree, or a person, and the scope of compensation is relatively wide. If it exceeds the limit of compulsory traffic insurance, it will be borne by the three liability insurance.


The limit of the third liability insurance should be more than 1 million. Don’t ask Rui Niu why, the money will be used up when it’s used up.


Rui Niu Bao: Car Insurance Analysis



The full name of on-board personnel insurance is "motor vehicle on-board personnel liability insurance" , which is what everyone often calls seat insurance.


If it is a commercial vehicle, or needs to often carry friends and colleagues, this type of insurance is recommended.


If the car is only used by your family, it is recommended to buy a personal accident insurance for the family. The scope of claims for personal accident insurance is relatively wider and more cost-effective.


The full name of theft insurance is "motor vehicle theft insurance"


Whether you want to buy theft insurance depends on the area. Unless it is an area where car theft is particularly rampant, it is generally not recommended to buy.


1.2.2 Additional risks


Additional insurance cannot be purchased separately. Only after purchasing the corresponding main insurance can the corresponding additional insurance be purchased. There are many types of additional risks, and here are some of the more common additional risks.


The full name of glass insurance is "individual glass breakage insurance" . When the glass breaks alone, the car damage insurance does not pay compensation. At this time, glass insurance is needed.


However, only broken windshields and windows can be claimed, and the rest are not covered (for example, sunroofs and rearview mirrors are not within the scope of claims)


For those whose vehicle glass is often smashed, or whose windshield is easily broken by stones at high speeds, you can consider buying it.



The full name of scratch insurance is "car body scratch loss insurance" . It is only insured for newly purchased cars or new cars within two or three years, and the compensation is accumulated (some companies' products have a 15% deductible).


Limited to paint scratches, i.e. loss of long, thin strips from sharp objects.


Generally, there are two situations, scratches caused by bear children scratching and branches on the roadside.


If you live in a community with many bear children, you should buy it. What if~

The full name of wading insurance is "engine wading loss insurance", which is only for engines.


If the car turns off for the first time after wading and then starts up again, the insurance company will not pay the claim, so even if you have wading insurance, you should obediently wait for rescue.


Friends in the rainy coastal areas of the south can consider buying it to protect the engine. Otherwise, it is not recommended to buy.


The full name of spontaneous combustion insurance is "spontaneous combustion loss insurance".


If it is a new car, it is completely possible to go to the manufacturer for trouble because of the spontaneous combustion caused by the quality of the vehicle itself.


Old cars need spontaneous combustion insurance due to the aging of power supply lines and oil circuits. However, to prove that it is spontaneous combustion, an identification certificate from the fire brigade is required. The difficulty of obtaining this certificate depends on the local conditions.


The full name of the insurance without deductible is "insurance without deductible", which is used to fill in the pits.


In traffic accidents, commercial insurance, including the three-party insurance, will be divided according to the accident, and there is a certain deductible rate, with a minimum of 5% for secondary liability and a maximum of 20% for full liability. What is responsible for excluding the deductible is to fill in the pit of the deductible.


There is nothing to say, if you buy commercial insurance, you must buy insurance without deductible.


The full name of third-party liability insurance cannot be found "motor vehicle loss insurance cannot find third-party special insurance".


Sometimes your car is hit by someone, but the other party escapes, and the perpetrator cannot be found for a while, so you can use your own car damage insurance to settle the claim.


However, the insurance company will only pay you 70% of the actual loss. If you have this additional insurance, you will be fully compensated. The premise is that you have not cheated or falsified.


If there are many cars in the community and the roads are narrow, you can consider buying one.


02


Things to keep in mind when buying car insurance


I have mentioned the classification of auto insurance before, and then I will talk about the misunderstandings that everyone may have about auto insurance:

2.1 All risks do not cover everything


Some friends are not short of money and are afraid of trouble, so they choose to buy comprehensive insurance, thinking that as long as they buy comprehensive insurance, they can get compensation as long as there is an accident.


All insurance (15 insurances in total) = main insurance + additional insurance


In fact, this is not the case. Although the scope of all-insurance coverage is very comprehensive, each insurance has exclusions. If the situation you encounter falls under the exclusions, wouldn't it be uncomfortable. (Drunk driving, drug driving, unlicensed driving and other illegal driving situations are not compensated)


In a word:


2.2 Timely renewal


Car insurance expires and needs to be renewed in time. Don't take chances and think it's okay to be a few days late.


further reading


The judicial interpretation of my country's road traffic damage compensation clearly stipulates that if a motor vehicle that has not been insured for compulsory traffic insurance according to law causes damage in a traffic accident, the people's court should support the request by the party concerned that the obligor of the insurance should pay compensation within the liability limit of the compulsory traffic insurance.


If an accident occurs during this period, and the amount of compensation requested by the party concerned is 120,000 yuan, it is established, and this part of the cost has to be borne by yourself!


If the driver is not the owner of the car at the time of the accident, and the car owner has nothing to do with the accident, he must also bear joint and several liability with the driver within the limit of 122,000 yuan for the compulsory traffic insurance, and the driver will bear the corresponding responsibility for the part exceeding the limit of the compulsory traffic insurance.




2.3 The number of accidents is related to the car


The record of car insurance follows the car and has nothing to do with people.


So be careful when buying a used car. If the car is in danger too many times, the insurance premium will be very high.


2.4 Changing insurance from private cars to online car-hailing


Many friends are now running Didi. It should be noted that from the time you register for online car-hailing, your car is a commercial vehicle.


The previous insurance was for private cars, but now you are a commercial vehicle, the insurance company has the right to refuse compensation. If you want to get compensation, you need to change the nature of the vehicle at the insurance company. If the nature changes, the premium will definitely increase accordingly.


If it is only a part-time job, it may not be cost-effective. My full-time friend Rui Niu suggests that you must make a change!