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How to choose the insurance type of auto insurance
There is indeed learning in this. At present, the types of motor vehicle insurance are mainly composed of two basic risks and nine additional risks. The basic risks are vehicle loss insurance and third party liability insurance, and the additional risks include vehicle theft insurance, vehicle personnel liability insurance, vehicle cargo liability insurance, spontaneous combustion loss insurance, glass breakage insurance, no-fault liability insurance, special insurance without deductible, stop-driving loss insurance and body scratch loss insurance. Among them, the third party liability insurance is compulsory, and the rest of the insurance is up to the owner to decide. Car damage insurance is the basis of additional risks. Only when you buy car damage insurance can you buy other additional risks. General third party liability insurance has several grades, such as 50,000 yuan, 6,543.8+10,000 yuan and 200,000 yuan. Among them, China Insurance and China United can insure 500,000 yuan and 6,543.8+0,000 yuan of third-party liability insurance, but to apply for approval, the higher the insurance coverage, the more the corresponding premium. Generally speaking, it is more appropriate to insure 6,543,800 yuan, which can cope with ordinary accidents. For most people, it is most practical to choose the combination of vehicle loss insurance, third party liability insurance, special insurance without deductible and vehicle theft and rescue. This scheme is cost-effective, although the premium invested is not much, but these types of insurance are very necessary. Two basic insurances are the basic guarantee for the owner's car to be compensated for the loss of both people and the car after an accident; Theft and rescue can solve the problem of car loss. Once the car is stolen or robbed, the owner's loss can be compensated. The function of the special insurance without deductible is that no matter how much responsibility the owner bears in the accident, it can guarantee the payment of 100%. Therefore, it is strongly recommended that this scheme be regarded as the most basic standard when insuring. New car insurance should be fully covered. For a shiny and beautiful brand-new car, it is best to supplement other types of insurance, such as body scratch loss insurance. The new car is more eye-catching and easier to become a scratched "target drawing board". You should buy a car body scratch insurance. In addition, the new driver has the problem of unskilled driving skills. It is suggested that the new driver buy a car personal liability insurance for relatives and friends who often ride their own cars. Choose insurance as needed. On the premise of being willing to bear a higher premium, if the owner pays all the basic insurance and additional insurance at one time, it can be guaranteed that almost all car-related accident losses can be compensated. However, when choosing insurance, we should grasp a general principle, that is, matching insurance needs to be based on personal circumstances, rather than blindly taking the number of insurance as the only measure. For example, glass breakage insurance is more suitable for high-end cars and luxury cars, while ordinary private cars do not have much need to take this insurance. Sina statement: the content of this article is purely the author's personal opinion, which is for investors' reference only and does not constitute investment advice. Investors operate accordingly at their own risk.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.