Why do some people buy auto insurance and only pay strong insurance? Are they good drivers? Money is not afraid of compensation. What does insurance cover?

Q: Why do some people only buy compulsory insurance when driving? Are you good at driving? Money is not afraid of compensation? What exactly is insurance for?

A: First of all, it should be clear that the purpose of buying insurance is to solve the major risks that you can't afford!

No matter how good the driving skills are and how long the driving experience is, who can guarantee that the shoes will not get wet when walking by the river?

2065438+0165438 On April 4, 2004/KLOC-0, when the traffic police brigade of Linyi County in Yuncheng City was dealing with a traffic accident, an old driver who had been driving for more than 25 years died in a traffic accident, and the vehicle insurance was in a state of invalidation.

June 20 15, when dealing with a traffic accident in yongji city Traffic Police Brigade, I met a driver who had been driving for 25 years. During the conversation, I burst into tears: "We can bump into people, we can bump into ancestors", slapping myself.

A traffic accident occurred in June 20 16, involving three deaths. The driver of the vehicle involved in the accident has been driving for more than 20 years and holds photos. The amount of third party liability insurance for accident vehicles is only 654.38 million yuan, and the driver pays nearly 800,000 yuan for the accident.

A traffic accident occurred in May, 2065438+2009, causing two serious injuries. The injured two people were treated in the intensive care unit for more than two months, and the treatment cost exceeded 500,000 yuan, while the third-party liability insurance coverage of the accident vehicle was only 500,000 yuan.

A traffic accident occurred in May, 20 19, which caused great losses to the property of three companies. The accident caused a loss of more than 200,000 yuan, and the driver of the accident vehicle had been driving for more than 15 years. The accident vehicle was only insured with compulsory insurance.

In July/August, 2065438, a traffic accident occurred in XJ area, which killed two people, damaged the vehicle and seriously injured the people on board. The driver's driving experience is more than 15, and the third party liability insurance coverage of the vehicle is only 300,000 yuan, but there is no personal insurance on the vehicle. The driver paid about 900,000 yuan for handling the accident.

In less than 65,438+02 hours on June 3, 2065,438+04, seven traffic accidents occurred in my work area, one of which involved vehicle damage and personal injury, and three vehicle insurances were invalid.

/kloc-February 0/8 18, a major traffic accident occurred on the way home from work in Jinzhong city, Shanxi province, involving one death on the bus, one serious injury on the bus, several minor injuries and vehicle damage.

20 19 65438+2009130, a major traffic accident occurred on the way home from work, causing damage to the vehicle and injuries to people on board. The driver of the accident vehicle has been driving for more than 20 years.

Customers and friends often say that we are old drivers, we don't drive much, and our cars are worthless.

Traffic accidents don't happen because you are an old driver. There are many old drivers in the above cases.

Traffic accidents won't happen because you don't drive very much. 2065438+A traffic accident with three people injured occurred in August 2006. The vehicle has been purchased for two years and the mileage is less than 5000 kilometers.

Traffic accidents will not happen because your car is worthless. On March 20, 20 16, a major traffic accident occurred in Zhengzhou, involving serious injuries to the vehicle involved, the third-party vehicle and the people on board. The vehicles involved were only insured with compulsory insurance. The depreciation price of vehicles did not exceed 50,000 yuan, the maintenance cost of self-owned vehicles was 27,000 yuan, the maintenance cost of three vehicles was 75,000 yuan, and the treatment cost of injuries on the vehicles was about 6,543,800 yuan.

This is only a part of the cases involving major issues and heavy losses in the past decade. In fact, similar or more serious loss cases are far more than these.

Therefore, under the background of the sharp increase of vehicles, uneven quality of vehicle drivers, and people's weak awareness of road traffic safety, it is suggested that in addition to compulsory traffic insurance, third-party liability insurance for vehicle commercial insurance should be insured to avoid unnecessary losses or even heavy losses caused by accidents.

Take the above case as an example. If the third party liability insurance was insured before the accident and was fully insured, taking the discount rate of vehicle commercial insurance as an example, the premium of 2 million yuan for third party liability insurance was only 1043 yuan, why was the loss so heavy?

Finally, I would like to remind my friends that even if the coverage of third party liability insurance is 2.5 million, the premium will only be 1400 yuan, and it will be earned in three to five days and ten to eight days. In case of a major traffic accident, it may not be earned in ten or eight years!