I believe that many first-time car buyers have been confused about the insurance types of the new car like Xiaobian, basically the insurance on the new car is handed over to the 4 son (4S store) to manage, but the 4 son pit daddy! The following Xiaobian will share with you a few types of insurance suitable for novices.
Compulsory insurance
Applicable people: everyone
Reason for recommendation: Sorry, because the state stipulates that it must be purchased.
1. What is compulsory insurance?
Compulsory insurance is an insurance that every car owner is required to purchase under Chinese law. It effectively ensures that the vehicle has the most basic insurance claims in the event of a traffic accident. Especially for some car owners who are destitute at home except for their cars. Once there is a traffic accident, the compulsory insurance can replace him to complete the difficult financial compensation. If the person fails to purchase compulsory insurance as required, the traffic management department of the public security organ has the right to detain the motor vehicle and impose a fine of twice the insurance premium due.
2. Why should I buy compulsory insurance?
After the purchase of compulsory insurance, a traffic compulsory insurance sign will be issued to the owner, and the sign needs to be affixed to the front windshield of the car. If it is not pasted as required, the traffic police can deduct 1 point and fine the owner of the car by 200 yuan.
3. How much does it cost to buy strong insurance?
The insurance fee of compulsory insurance is based on the number of seats in the vehicle and the national uniform price, 950 yuan a year for new cars with less than 6 seats, and 1100 yuan for more than 6 seats.
If there is no accident insurance during the application period, the base premium will be reduced by 10% and a minimum of 30% at the time of renewal in the following year. However, if there are many accidents, the premium fee for the next year will increase by up to 30%, and even be refused by the insurance company.
4. What are the circumstances under which compulsory insurance is not compensated?
Qiangqiang does not cover all accidents, such as intentional accidents, drunk driving, and vehicle damage caused during vehicle theft.
5. What is the compensation scope of compulsory insurance?
The amount of compensation for compulsory insurance is affected by whether there is responsibility and whether casualties are caused. For general vehicle damage, the maximum compensation is 2,000 yuan in the case of liability, and 100 yuan in the case of no liability.
