Do you know what insurance a novice must buy for his first car?

Because novice drivers are not very skilled in driving, cars occasionally bump and even have minor accidents. In addition, new cars often cherish and want to repair any small scratches. In the long run, the maintenance cost is really a big expense, so it is very important to buy auto insurance. Do you know what insurance a novice must buy for his first car? Brother Zheng will answer your question today!

First, pay compulsory insurance.

According to the law of our country, all motor vehicles must buy compulsory insurance, and they are not allowed to drive on the road without buying it. Because compulsory insurance is relatively cheap and the coverage provided is relatively limited, Ge Zheng suggested that new cars should be supplemented by other commercial insurance besides compulsory insurance.

Second, car damage insurance

Car damage insurance is to provide compensation for the loss of your own vehicle. Every rainy season, cars in many places are flooded, soaked and scraped. After purchasing this kind of insurance, the insurance company will pay in this case. For car owners, the loss is undoubtedly the smallest. Therefore, car damage insurance is basically necessary, and the amount of insurance can be selected according to the value of the car body.

Third party liability insurance

The main compensation object of this kind of insurance is the third-party responsible person, especially the third-party property loss and even casualties caused by the insured vehicle accident. Of course, this is a very serious accident. In this case, compulsory insurance will also have some compensation, but this compensation is usually very low. If there is a serious accident, the owner needs to pay a lot of compensation, and the compensation of compulsory insurance is often a drop in the bucket and does not play any role. If the owner buys third-party liability insurance at this time, it will greatly reduce the burden on the owner.

Four, excluding deductible insurance.

In addition to deductible insurance, it is also necessary to buy insurance. As mentioned above, third party liability insurance and car damage insurance are based on 100% deductible insurance purchased before compensation. However, in the event of a traffic accident, unless we are not responsible, both types of auto insurance have a certain deductible, which means that we need to pay part of our own expenses. If you buy the corresponding deductible insurance, you can waive this part of the deductible without paying for it yourself.

Other additional risks can be selectively purchased according to their actual needs. Finally, Ge Zheng wishes everyone a safe journey!