No.65438 +0 compulsory insurance
Many novice drivers actually don't understand what these types of insurance are for, so they don't know whether to buy them. First of all, this compulsory insurance must be bought. After buying it, it will pay for others. Although the amount is not high, you must buy it. You can't drive without buying a car.
Second, three risks
At the same time, there are three liability insurances that are also used to pay for others. You can choose your own amount, but Bian Xiao suggested at least 200,000, but you usually buy 500,000 or 1 10,000. It's worth spending a few hundred dollars more. It can play a role at a critical moment, so don't wait until it is needed to know its importance.
Third, excluding deductibles.
You still have to understand the concept of deductible first. At present, all insurance companies have set a certain deductible or deductible. If you lose 1000 yuan and the deductible set by the company is 30%, then the insurance company can only compensate you for 700 yuan. If you buy this type of deductible insurance, the insurance company will not calculate the deductible part, but pay you all the losses 1000 yuan. It still is.
No.4 car damage insurance
This kind of insurance is easier to understand. Car damage insurance refers to an automobile commercial insurance in which the insured or its licensed driver has an insurance accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate the insured vehicle within a reasonable range. Because novices are not skilled and inexperienced in driving vehicles, it is common for them to collide with each other. At this time, if you have this insurance, you don't have to pay for it yourself.