When we get the new car, there are two things we have to do immediately. One is to get the license and the other is to get the insurance. License plates affect whether or not you can drive on the road, and insurance protects you against all kinds of accidents that will occur in your future driving. So what insurance do you need to buy a car?
What kind of insurance do I need to buy a car
Once the car is scratched and bruised, even crash, need to go to the repair shop repair. If you have damage insurance, then you don't have to worry about the cost of repairing the car.
Third party liability insurance
Three risks for short. You can't skip that. Although everyone wishes to drive safely throughout their life, everything is not afraid of a thousand chances. If the car hits a person, and you can't pay back, you don't have to worry about the three risks, just give it to the insurance company. Generally, it is recommended to buy 1 million third party liability insurance, at least more than 200 thousand. You can choose a higher amount of compensation according to your own situation.
Vehicle liability insurance
This is to protect the personnel in the car, recommended purchase. In the event of an accident, the people in the car will be covered. In major traffic accidents, the survival probability of vehicle personnel is not high, having this insurance is very useful. It's always good to have some money left for the family in case something goes wrong.
Glass is the easiest to break, so it's better to buy one just in case. Have IMPORT GLASS RISK AND HOME-MADE GLASS RISK TWO KINDS, THEIR INSURANCE PREMIUM DIFFERENCE IS VERY BIG, CHOOSE ACCORDING TO ACTUAL SITUATION.
This is additional insurance, which needs to be purchased together with the main insurance. In an accident, you can transfer the responsibility to the insurance company, so you can get 100% of the insurance company's compensation.
There are also compulsory insurance and vehicle and ship taxes.
Does the car insurance provide anything
Driving license, ID card, vehicle registration certificate or qualification certificate, purchase invoice, insured individuals need to provide ID card, enterprise to provide organization code certificate. If it is a second-hand car, you have to carry the vehicle transfer invoice, etc.
In general, you need to provide the original, photocopy and photo (one of the three options). If there is no original, please provide the photo or photocopy. Specific local requirements.
If the new car is insured, there is no time to be listed, the engine number will be used as the license plate number. If you get the license, you need to find the insurance company to change in time.
4S shop insurance and their own insurance which good
This is not a big difference for the owner, the cost is similar.
If you are on your own, you can choose the insurance company you need. From the 4S shop on the insurance, you can not choose the insurance company, or limited to a few for you to choose.
Strong risk and so on because it is compulsory, the price of national unity, 4S shop of commercial insurance to buy can have return point. No MATTER LET YOU BUY WHICH INSURANCE COMPANY CAN RECEIVE COMMISSION RETURN POINT, JUST DIFFERENT COMPANY GIVES POINTS DIFFERENT, STRATEGY IS DIFFERENT, INSIDE THIS HUMAN ACCIDENT IS VERY IMPORTANT, OF COURSE THAT IS TO INSURANCE COMPANY SALESMAN CHARACTER.
If it is a new car, the premium price is basically the same, in 4S to buy and buy their own not much difference. Some stores will also have preferential policies for specific brands in order to provide insurance rates and premiums, which can be based on their own needs.
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