2. Third party liability insurance. If an accident occurs during the use of the vehicle, causing personal injury or property loss to a third party, the insurance company shall compensate the insured for the part exceeding the compensation limit of compulsory insurance in accordance with the contract. If you unfortunately hit a luxury car or cause serious injuries while driving, the compensation may be as high as hundreds of thousands, and the maximum compensation for compulsory insurance is 1.22 million, which is obviously a drop in the bucket. However, the insurance company can compensate for the insufficient part of the compulsory insurance payment. It is recommended to buy at least 200,000-500,000.
3. Liability insurance for personnel on board. Driver's liability insurance: if a vehicle has an accident and the driver is injured or killed, the insurance company will compensate the loss according to the contract. Especially novices or people who often drive, the risk is greater. It is recommended to buy it to better protect your own safety.
4. Theft and rescue. After the whole vehicle is insured against theft and emergency rescue, the insurance company will pay for the reasonable cost of maintenance due to the theft, robbery and robbery of the whole vehicle. If the vehicle does not have a fixed parking lot, or it is a model that is easy to be stolen, consider buying a whole vehicle for emergency rescue.
How to insure a novice on the road?
1. The first thing to consider is higher accident insurance. Traffic accidents are the biggest cause of human casualties in the world. Taxi drivers have long working hours, high risk factor and high accident coverage.
2. When choosing a product, you can make a comprehensive comparison of the products, and then choose the insurance product that suits you best.
Novices need to insure themselves and their cars in time. There are many insurance products on the website, I hope I can give you enough choices.