能否只买交强险

能否只买交强险

我以前一直只买交强险，02年到现在一直没出过事。这两年胆小了，买了商业跟车损[泣不成声]猫女女巫师英语高级教师

买车险960元，付款的时候发现1250，很惊讶，这是找的熟人，这几年一直960元，一个交强险，一个车船使用税。

我立刻问她，是不是搞错了？
她说没有呀，就是1250元
我说以前都是960，难道涨价了？
她说：你忘记了，半年前你车出过一次保险，如果车没有出过险，两样加起来就是960，你的出过险，自然就恢复到1000多了。

我说我想一下，好像真有这回事。

当时朋友借我车，我就给她了，她在高速上追尾了，我记得她说下高速的时候，她追尾到别人车上了，最后花了6000多，保险还报了2000父母因为她是全责，而追尾的车是个20多万的SuV，她说很生气，当时车速都不快，因为下高速口收费站，她只是剐蹭了对方保险杠，根本没有多严重？人也都没事，保险杠喷一下漆最多2000多。

我说那怎么最后要6000多，她说因为对方车辆贴的有车衣，还要给他换全车车衣。

当时都是她负责事后处理的很需要我的信息时候，我对接了一下，所以没多大印象。

那现在只有付1250了，毕竟确实出险了，看来平平安安上路，没有安全事故，买保险都可以便宜300多。当时我的车也修了，前脸被剐蹭了，花的多少钱朋友也没说，她修好让我开走的。

我问熟人保险朋友，这不能优惠咯？她说你今年只要不出险，明天应该就可以继续优惠咯～

Cars can only buy compulsory insurance, but some accidents compulsory insurance payout is very low, it is best to buy some other commercial car insurance.

Auto insurance has two types of compulsory insurance and commercial insurance, compulsory insurance is required to buy, and commercial insurance is everyone according to their own needs to buy, compulsory insurance compensation refers to the insured motor vehicle road traffic accidents caused by the car, the insured other than the victims of personal injury or death, property damage, by the insurance company according to law, in the motor vehicle traffic accidents liability insurance liability limit range to be compensated.

The do's and don'ts of car insurance and key things to know:

There are also a variety of exemption provisions for compulsory insurance, such as the damage caused by traffic accidents intentionally caused by the victim, the damage suffered by the property owned by the insured and the property on the insured motor vehicle, the arbitration or litigation costs incurred as a result of traffic accidents, and other related costs, and so on. From these provisions, it is easy to see that the scope of compensation of compulsory insurance for automobiles is subject to certain restrictions, and its compensation limit is also very low.

To ensure the safety of people and cars, if you only buy compulsory insurance, once the insurance coverage at some point in time is not enough, the family bought a car but usually rarely drive the owner, you can first buy only compulsory insurance, to drive trips or frequent use of the car before, and then make up for the purchase of commercial insurance, in addition, ready to sell the car owner can also buy only compulsory insurance.

For car owners who have purchased their cars for a longer period of time, it is recommended that they purchase car damage insurance, third party liability insurance (with a limit of not less than 300,000 yuan), vehicle personnel liability insurance, and non-deductible special insurance when buying commercial insurance. You can also consider purchasing theft insurance, separate glass breakage insurance, spontaneous combustion damage insurance, etc. according to your driving situation, car model, and the newness of the vehicle.

Above reference: Baidu Encyclopedia - Vehicle Insurance

只买交强险可以上路和应对轻微的剐蹭，如果是发生事故交强险不够赔，其余需要全自己负责。交强险是对受害一方损失的赔偿，但是赔偿额度有限，最高只有12.2万，而且对于投保车险的车主自身损失是不赔偿的。如今的交通事故频繁发生，普通的一个碰撞、一个追尾，不是一两千就能搞定的，还是需要商业车险来补充的。

交强险是国家强制性保险，只有购买了交强险才可以上开上路行驶。根据《交强险条例》的规定，在中华人民共和国境内道路上行驶的机动车的所有人或者管理人都应当投保交强险，机动车所有人、管理人未按照规定投保交强险的，公安机关交通管理部门有权扣留机动车，通知机动车所有人、管理人依照规定投保，并处应缴纳的保险费的2倍罚款。

一．一定要买的三种险——交强险、第三者责任险、车损险

1.交强险和第三者责任险一定要买，但是也不要忽略了车损险，尤其是驾驶技术还不熟练的新手驾驶员，车损险可以保障自己的车辆在发生事故时能获够赔偿。

2.车损险是被保险人或其允许的驾驶员在驾驶保险车辆时发生保险事故，造成保险车辆受损，保险公司在合理范围内予以赔偿。跟很多险种一样，车损险也有自己的免赔率。一般情况下，保险公司会根据车主在事故中所负责任的大小，扣除相应的事故责任免赔率。

二．汽车商业保险可以不买吗？

可以选择不购买，但是建议还是买常用的险种。

包括车辆损失险+第三者责任险+全车盗抢险+车上人员责任险+不计免赔险。新车容易失窃，因此投保一份全车盗抢险；而新车司机驾驶经验可能不足，投保车上人员责任险，对自己和乘客多一份保障，四份基本险种加上不计免赔，性价比最高，因此也是最热卖的保险组合。