There are many kinds of auto insurance, and many car owners don't know how to choose which ones are necessary and which ones are not.

Compulsory traffic insurance: it is a kind of compulsory liability insurance that the insurance company compensates the victims (excluding the people on board and the insured) for the personal injury and property loss caused by the road traffic accident of the insured motor vehicle within the liability limit.

Third-party liability insurance: generally divided into 50,000 yuan,150,000 yuan, 300,000 yuan, 500,000 yuan,1000,000 yuan and1000,000 yuan. Bian Xiao suggested buying 500,000 yuan first, preferably100-200 million yuan. After all, there are many local tyrants. If you happen to meet one,

Car damage insurance: if you accidentally hit your car one day, you can compensate for the collision, scraping (scraping is excluded), flooding and fire, and falling objects. However, it should be noted that insurance companies will not pay for earthquakes and terrorist attacks just because they hit glass, lights, wheels, tires or rearview mirrors. The engine loss caused by flooding is also not worth it. You should buy this separately.

How to buy auto insurance is the most cost-effective

There is also a third party that is free of charge. Except for the additional risks belonging to the third liability insurance or car damage insurance, it cannot be purchased separately. Many car owners don't understand what the third liability insurance means. For example, if in a traffic accident, you are fully responsible, resulting in a loss of 6.5438+0 million yuan that needs to be borne by the third party, all of which are compensable items, then the insurance company will only compensate you for 8,000 yuan, and you need to bear 20% of the loss, because you are fully responsible. However, if you are insured with deductible insurance, the insurance company will compensate you for the same accident, and the insurance company will also bear the 20% deductible for you.

Scratch risk: If it is a new car, the driving environment is not good at ordinary times, there is no regular parking lot, and there are many Xiong Haizi outside the community, then Bian Xiao still suggests buying a good one.

Water insurance: how do you say this? North car owners don't have to consider it. Southern car owners are afraid that their cars will be flooded in rainy season.

Autoignition insurance: Now all cars have a warranty. If spontaneous combustion occurs during the warranty period, you can find a manufacturer and buy it after the warranty period.

Glass insurance: many cars will not be smashed once they are scrapped. Even if it is smashed, there is not much money to replace it. There is no need to buy it.

Vehicle loss insurance: it is mainly responsible for the loss compensation of the insured vehicle caused by natural disasters or accidents.

Theft and rescue of the whole vehicle: the liability for compensation for the loss caused by the theft, robbery and robbery of the vehicle, and the loss caused by the damage to the vehicle or the loss of parts on the vehicle during the period.

In fact, if you are a city car, you only need compulsory insurance, third party liability insurance, car damage insurance and additional insurance without deductible. If it is in a special area, it can be reconsidered according to its own situation.

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