We usually use cars. We buy commercial insurance to better protect our cars and protect ourselves. People often ask me: Xiaobian, my new car has landed. What kind of insurance should I buy?
Or yes-I have been in this car for several years. Is it unnecessary to buy some insurance? To be honest, buying car insurance is indeed a cost-effective thing for our wage earners. But in addition to purchasing, we also need to be careful when it comes to claims!
Which car insurances to buy?
Let's talk about buying car insurance first. I don't think there is a need to buy some insurance types with less insurance coverage. Such as scratch insurance, glass insurance and so on. Even if these types of insurance are paid in full, they are only a few hundred or thousands of dollars, but they will take up the number of times of insurance. I really recommend you buy a "No Third Party Found" insurance. If the vehicle is damaged and the offender cannot be found, and a large loss is encountered, a claim can be filed.
How to settle a car insurance claim?
Let's talk about claims, according to the new auto insurance regulations implemented this year: If a vehicle has multiple claims in the previous year, the rate will be increased accordingly. Here you have to pay attention to a word-frequency, not amount!
In other words: once the insurance is issued, the premium for the second year is not discounted; the insurance premiums for the second, third, and fourth times are increased by 25%, 50%, and 75% respectively; for the fifth and above insurances, the premium for the second year Will double. Conversely, if the insurance is not issued for 1 year, 15% off the premium; 2% off for 2 years, and 40% off for 3 consecutive years.
The starting point of the new car insurance regulations is to regulate the driving habits of car owners. Do n’t drive at will because of insurance. Some car owners immediately reported the case with some small scraps and small claims, but they paid a few hundred yuan at one time, but due to the excessive number of reports, the premiums rose sharply, and there were indeed some losses.
So Xiaobian reminds you here:
When buying a car in the future, when you choose a brand, you have to consider more about the issue of car maintenance in the future: such as vehicle parts costs, maintenance costs, and so on. When you are okay, you should also look at the "Rate Table". For models with higher payout ratios, when you are insured with a new car, or when you renew your insurance, the car insurance rate may be higher than those with lower risk rates.