Which commercial insurance should be purchased for used cars?

How used car to buy insurance has always been a problem that many owners are unable to decide, because many owners who buy used cars are hard to make decisions about how to buy insurance for used cars. Insurance professionals point out that second-hand cars must pay more attention to the purchase of commercial third-party liability insurance in addition to the mandatory compulsory insurance.

No need to pay for repairs

Miss Wang, owner of Nancheng, purchased a used car in the second-hand car market in August this year. When I first bought a car, the used car dealers told Ms. Wang that there was half a year for this car to pay a premium, and there was no need to purchase insurance. However, in October, when Miss Wang drove out to work, he accidentally hit the vehicle in front of him. The main responsibility for the accident was in Miss Wang. Ms. Wang needed to take full responsibility. However, when Miss Wang reported the insurance, the defendant, her car just bought a strong insurance and did not buy commercial third party liability insurance.

For this reason, Miss Wang needs to pay another person’s own car for repair costs of up to 10,000 yuan for the other car. In this regard, Miss Wang regretted not adding a commercial insurance.

How to buy second-hand car insurance, insurance commissioners have car dealers said that the second-hand car traffic insurance must be bought, because the delivery of compulsory insurance is the most basic protection, with it before it can be on the road and annual inspection. In addition, because most of the components of second-hand automobiles have different levels of wear and tear, they are relatively prone to accidents. In the event of an accident, the compensation for strong insurance alone is not enough. Therefore, the relevant person in charge of the automobile insurance association suggested that the owner should purchase commercial third-party liability insurance, and in order to protect himself, the owner also needs to purchase vehicle personnel liability insurance.

There is, many owners choose to buy used cars because they are cheap, the use of relatively small cost, so some additional insurance can not be insured, such as scratch insurance, auto glass separate breakage insurance.

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