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â— Comprehensive insurance
Applicable people : all people
 Recommended reason: This must be bought.
 1. What is a strong insurance ?
Traffic insurance is a law that requires every owner to purchase compulsory insurance. It ensures that the vehicle when the accident happened, there is a basic property owners make insurance claims to a guarantee. Especially for some car owners, impoverished owners. Once a traffic accident occurs, the TAC insurance can replace him to complete the financial compensation that is difficult to pay. If the compulsory traffic insurance is not purchased as required, the traffic management department of the public security organ has the power to detain the motor vehicle and impose a fine of 2 times the premium payable .
2. Why buy a strong insurance ?
After the compulsory insurance is purchased, a compulsory traffic insurance sign will be issued to the owner, and the sign must also be attached to the front windshield of the car. If not pasted as required, the traffic police may impose a penalty of 1 point and a fine of 200 yuan on the owner .
  3 , how much money to buy a strong insurance ?
The insurance premiums for the TAC insurance are based on the uniform price of the nationwide implementation of the number of vehicle seats, and the number of new cars under 6 seats is 950 yuan a year , and more than 6 seats are 1100 yuan.
 4 , What are the conditions for paying the insurance ?
Competing is not for the compensation of all accidents, such as intentionally created accidents, drunk driving, and vehicle damage insurance caused during the vehicle's theft.
5. What is the scope of compensation for compulsory insurance ?
 The amount of compensation for the TAC insurance is subject to the responsibility and whether it will result in casualties. General vehicle damage, the maximum compensation of 2,000 yuan in the case of responsibility, is 100 yuan in the absence of responsibility . If it resulted in casualties, under the responsibility of medical expenses up to 10,000 yuan compensation, death compensation up to 110,000 yuan. In the absence of any responsibility, the maximum compensation for medical expenses is 1,000 yuan, and the death compensation is 11,000 yuan.
â— Car damage insurance
Recommended reason: If you are a newbie, then it is recommended that you must buy. If you have a bad temper, it's crazy to drive and I suggest you buy it. If you are a veteran, you can buy it or not.
 For the crowd: novices and fiery, fierce driving style
 1 , what is the car damage insurance ?
Vehicle damage insurance refers to the occurrence of an insurance accident by the insured or its permitted driver when driving an insurance vehicle, resulting in damage to the insurance vehicle, and the insurance company is able to compensate within reasonable limits.
2. How much is it to buy a car damage insurance ?
The premium for vehicle damage insurance has a lot to do with the purchase price of the car and the number of seats. A formula can be calculated, car insurance premium = basic premium + naked car price * rate. The basic premium for an ordinary home 5 -car vehicle damage insurance is 593 yuan, and the rate is 1.5% . For example, a five- seat home new car, the car price ( including the vehicle tax ) is 128,000 yuan, then its car damage insurance fee is: 593 +12 8000 * 1.5 percent = 1920 yuan. Â Note: In addition to the compulsory insurance, the other insurance's expense count is the original price. However, in the actual purchase process, there will be a certain discount, and different companies and different insurance companies have different discount rates.
3 , car damage insurance under what circumstances do not lose ?
The vehicle damage insurance only compensates for the damage of the vehicle body, but the individual damage of some small components is not covered by the compensation scope, such as rearview mirrors, lights, glass ( excluding sunroof glass ) , paint, wheels ( including tires and wheels) Etc. )
In the case of a new car that has not been on the card or has not received a temporary license, the damage caused by the accident is not within the scope of the vehicle damage insurance. In addition, if an accident occurs, the perpetrator of the insurance company can only compensate 70% of the loss .
â— Third party liability insurance
 Recommended reason: All the owners of the editorial department have bought, and they are all 500,000 , and 1 million is not too much.
1 , what is the three insurance ?
 Third party liability insurance means that in the event of an accident leading to personal injury or death of property other than the driver and passengers of the vehicle or direct damage to the property, the insurance company shall make compensation according to regulations. For example, an insurance company is responsible for the accidental collision of an electric car with a car, the damage of an electric car, and the compensation for the death of an electric car driver.
2. How much does it cost to buy three risks ?
The cost of the three insurance is based on your choice of insurance level. Generally 5 , 10 , 15 , 20 , 30 , 50 , 1 million and 7 grades are the mainstream. Of course, you can also choose to insure more than 1 million, but the maximum cannot exceed 50 million. Different levels of premiums are different. Â The following are six ordinary family car, for example, choose the level of 50,000, the premium was 710 yuan a year. If you select the 100 million level will have to 2234 yuan a year, and now most people choose 500 000 100 or two levels.
 3 , what are the conditions of the three insurance does not lose ?
In the accident caused by the driver's or passenger's casualties of the vehicle, driving to death, hitting his own family, driving a car and damaging his own vehicle, these three risks are not compensated.
 4. What is the scope of compensation for the three insurance ?
The different responsibilities in the accident, the amount of compensation obtained is also different. Only when the other party takes full responsibility can the full amount of compensation be obtained. If you are fully responsible for your responsibility, the insurance company can have a 20% deductible, the primary responsibility is 15% , and the equivalent liability is 10% , and the secondary liability is 5% .
The above is what Xiaobian recommended for the new car needs insurance, I hope my article will help you.
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