How much is the right amount to choose when buying three-person insurance for a private car? It will be clear after the comparison
Many people think that the first thing to do when you get a new car is to get the license plate. In fact, the first thing you do when you get a new car is to buy auto insurance, and the license plate is the next thing. If you don’t buy car insurance, you won’t have a license plate. There are many types of auto insurance. In addition to compulsory traffic insurance, there are also commercial insurance such as three-party insurance, excluding deductible insurance, and water-related insurance.
Compared with other types of insurance, the most discussed one should be the third party liability insurance, which is related to the issue of how much compensation can be reimbursed for us after an accident occurs. The three insurances have various amounts, including 200,000, 500,000, and 1 million, and the maximum amount is 2 million. Some people think that it is necessary to buy 2 million yuan to buy the three-party insurance, but some people think it is unnecessary. Is it necessary to buy 2 million third party liability insurance?
Before talking about this issue, let’s first systematically understand the definition of third-party liability insurance. Three-party insurance refers to the insurance that compensates the loss of the third party when the insured vehicle has an accident and causes property loss or personal injury or death to the third party. Simply put, it is an insurance that compensates others.
As the saying goes: How can you not get your shoes wet when you often walk by the river? Even experienced drivers may experience accidents while driving. And even if you don’t bump into others, others may bump into you. If the vehicle was hit by a non-motorized vehicle, based on the principle of humanitarianism, the owner of the vehicle may also need to bear part of the liability for compensation. Therefore, there are actually many opportunities to use the three insurances in the process of maintaining a vehicle.
However, the amount span of the three insurances is so large, and it is difficult for many people to choose which amount to choose. Choose the minimum amount, and fear that in the event of a major traffic accident, the insurance company will pay too little compensation, which will put a lot of pressure on yourself. I choose the one with a large amount, but I feel that I can’t use it, and I just pay the insurance company for nothing, and I feel unbalanced in my heart.
Let’s analyze it from the perspective of a car user. There is actually no guarantee for choosing the lowest amount of the three-party insurance. You have to pay for compensation, so it is more cost-effective to choose a three-party insurance with a slightly higher amount.
As an economic guarantee for daily car use, the third party liability insurance is just a display when there is no traffic accident, but it can reduce our economic losses when a traffic accident actually occurs. What kind of quota to choose, in fact, you can judge according to the economic situation of your city and your own economic situation.
Take me for example, I live in a second-tier city with a relatively developed economy. I often encounter luxury cars such as Mercedes-Benz and BMW on the road. In the past two years, Maybach, Porsche and other cars worth millions Also changed. In such a road environment, if you buy a 500,000 three-party insurance, it may not be enough, so I chose the highest amount of three-party insurance.
Moreover, although the difference in the amount of the three insurances is large, the difference in insurance costs is not very large. There is only a difference of two to three hundred yuan between the one million three insurance and the two million three insurance. But when it comes to compensation, the gap is 1 million.
If you live in a county town, the cars you usually see on the road are basically joint venture cars or domestic cars worth more than 100,000 yuan, and there are very few luxury cars such as Rolls-Royce. In this case, you can actually choose a lower amount of the three insurances . In the event of a small bump, the 500,000 third-party insurance is actually enough to compensate.
What I want to remind everyone is that in some cases, the three insurances will not be compensated. For example, the validity period of the driver’s license of the motor vehicle driver has expired, and the driver has driven a vehicle that does not match the type of vehicle permitted to drive. The owner of the car did not verify the driver’s license according to the regulations, causing the driver’s license to expire. The owner of the car lends the vehicle to a person who has not obtained a motor vehicle driver’s license, or lends the car to the other party knowing that the other party has drunk alcohol, causing a traffic accident.
As the saying goes, if you are not afraid of 10,000, you are afraid of the eventuality. Buying insurance for a car is also to reduce your own economic losses in case of emergencies. But car insurance is not a panacea. No matter how much car insurance you buy, you must pay attention to civilized driving and safe driving.