Buying insurance is like buying a car. When facing numerous insurance companies and a multitude of insurance types, consumers first need to understand some basic knowledge about insurance companies and various types of auto insurance. When purchasing car insurance, car owners will pay attention to the company's strength, the price of car insurance, the combination of car insurance, and claims services. How to buy car insurance, van parameters, this is actually not a simple subject.
Step/Method Secret 1: Choose the right insurance company. When insuring a new car, many car owners are confused when faced with numerous insurance companies and a large number of insurance types: how to buy car insurance? Currently, there are many companies that can handle car insurance, and car owners should try to choose an insurance company with a perfect network and complete service system. For car owners who often drive outside or need to use highways, it’s best to choose a larger insurance company. This kind of insurance company has branches in all parts of the country, with a relatively sound network. If the car owner encounters difficulties, they can promptly handle damage assessment and claims services locally.
Secret 2: Compulsory traffic insurance must be purchased. According to the provisions of the "Regulations on Compulsory Insurance for Motor Vehicle Traffic Accidents," starting from July 1, 2006, all vehicles must purchase compulsory traffic insurance. Compulsory traffic insurance is mandatory insurance prescribed by national law, where the insurance company compensates for the personal injury or property loss suffered by the victims (excluding people in the insured vehicle and the insured person) caused by road traffic accidents involving the insured motor vehicle, within the liability limit. The price is unified nationwide. For individual private cars with fewer than six seats, the premium for the first year of compulsory traffic insurance is 950 yuan, meaning that this is a type of insurance that must be purchased when insuring a new car.
Secret 3: How to choose commercial insurance types? Car commercial insurance is divided into main insurance and additional insurance. Main insurance includes: vehicle damage insurance, third-party liability insurance, full vehicle theft insurance, and passenger liability insurance. Additional insurance mainly includes: glass insurance, spontaneous combustion loss insurance, and no-deductible insurance, etc. When insuring your beloved car, you need to note several points: 1. Main insurance is the prerequisite for additional insurance; only if the main insurance is purchased can the additional insurance be purchased. 2. No-deductible insurance is recommended for car owners to purchase, otherwise, once an accident occurs, you may not get full compensation, which provides higher protection. 3. Car owners should choose the type of insurance based on their own situation, such as if the new car is usually parked in a reliable environment and safe parking lot during daily use, then theft insurance can be considered unnecessary. Also, since the probability of a new car spontaneously combusting is low, spontaneous combustion loss insurance can be considered unnecessary.
Reference material: How should electric vehicle batteries be maintained? Answer: It depends on your battery capacity. Try not to ride until the battery is completely drained before charging. Charge whenever possible, keeping the battery fully charged at all times. This is better for the battery. Nowadays, maintenance-free batteries are used, so there is no need to add water, nor do you need to mix electrolyte water yourself.
The above content is jointly released by the Official Website of Sanitation Garbage Trucks (http://www.clwlu.com/)|www_clwlu_com and Garbage Truck Manufacturers (http://www.clwwcw.com/)|www_clwwcw_com. For more exciting content: Emergency braking check for mini garbage trucks traveling at 60 km/h. Key points for winter driving of aerial work platforms. What documents are required for someone else to conduct vehicle annual inspections?