Six Principles Must Be Paid Attention When Buying Used Car Insurance

The insurance coverage of used cars can be daunting. Therefore, consumers must fully consider the status quo of the vehicle and the driving technology according to the value of their own vehicles, and adhere to the following principles to determine the type of insurance coverage:

Understand the principle of voluntariness: Consumers need to make sure that the used car insurance is not an additional burden, but that they actively respond to natural disasters and accidents to obtain effective compensation measures that are beneficial to the country, to the society, and to the individual consumers. Mutual aid behavior. In addition to compulsory insurance that must be insured by the state, consumers should voluntarily choose to insure appropriate insurance programs.

Targeted principles: Consumer insurance should be clearly defined and targeted to the insurance coverage. If the vehicle is a higher-value new vehicle, it should be covered by a scratch insurance. The old car with a lower value will not need to be covered by the scratch insurance. If the vehicle has new equipment, it should be covered by the new equipment loss insurance. Otherwise, there is no need to insure it. Insurance.

There is a principle of the Lord: Consumers can't afford to insure many projects based on their own vehicles and economic conditions. It is necessary to make a reasonable choice between the basic insurance and the additional insurance. If the owner is an experienced driver, he can choose only the major types of insurance such as vehicle loss insurance, third party liability insurance, and non-deductible special insurance, and do not need to insure other types of insurance.

Effective collocation principle: Consumers should pay attention to the reasonable collocation between basic insurance and additional insurance when insured. If the vehicle is insured after the loss of insurance, you can choose according to the actual situation of glass breakage insurance or spontaneous combustion loss insurance, to better play the main insurance and additional insurance between the mutual combination of complementary roles.

Economic and practical principles: In the process of insurance, consumers must plan carefully, communicate more with insurance companies, correctly select the main types of insurance, and spend as little as possible on the premise of maximizing insurance coverage, so as to obtain “a sound, effective, economical and practical”. Effect.

The principle of full insurance: In the second-hand car insurance, consumers must distinguish between the insurance value, the amount of insurance and the amount of compensation. The amount of insurance will determine the amount of compensation, consumers should seek truth from facts when insured, insured in full, so that in the event of accidents should get due compensation, otherwise it will cause undue losses.

By adhering to the above principles, consumers will be able to do the right insurance, leaving no worries behind.  

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