车很少开只买交强险可以吗多少钱

车很少开只买交强险可以吗多少钱

I used to buy only compulsory insurance and have been accident free since '02. I've chickened out in the last two years and bought business and auto insurance [sobs]Catwoman WitchSenior English Teacher

Buying car insurance for $960, surprised to find 1250 when I paid, this is a familiar face, it's been $960 for a couple years, one for compulsory insurance and one for vehicle use tax.

I immediately asked her if there was a mistake.
She said no, it's 1,250 dollars.
I said it used to be 960, did the price go up?
She said: you forget, six months ago your car was insured once, if the car had not been insured, the two add up to 960, and your had been insured, so naturally it reverts to more than 1,000.

I said let me think about it, it seems like it's really happening.

At that time, my friend lent me a car, I gave her, she rear-ended on the highway, I remember her saying that when she got off the highway, she rear-ended someone else's car, and ended up spending more than 6,000, the insurance is also reported to the parents of the 2,000 parents because she is fully responsible, and rear-ended the car is a more than 200,000 SuV, she said that she was very angry, then the car's speed are not fast, because of the next highway entrance toll booths, she was just cut off each other's bumpers, there is no more How serious is it? People are also all right, the bumper spray paint at most more than 2,000.

I said then how did it end up being over 6,000 and she said because the other vehicle had a sticker on it and she had to give him a full replacement.

At the time it was all about her taking care of the aftermath very much needing my information when I butt in, so I'm not too impressed.

That now only pay 1250, after all, did get out of the insurance, it seems to be safe and sound on the road, no safety accidents, buy insurance can be cheaper than 300. At that time, my car was also repaired, the front face was cut off, how much money spent friends did not say, she fixed let me drive away.

I asked an acquaintance of my insurance friend, this can not be discounted? She said as long as you don't have an insurance policy this year, you should be able to get a discount tomorrow.

从法律上讲，车只买交强险是可以的。因为交强险是一种强制保险，其他车险是根据个人需求购买的，如果单纯在农村或者郊区开车，路线很固定，驾驶水平高，开车很谨慎，车价也不高。否则不建议单纯买交强险，其他保险也很重要。

交强险主要是保障他人，一旦发生交通事故，会赔偿他人财产损失或人身伤害。交强险的目的是改善车主因交通事故造成的负担。而交强险的赔偿主要分为责任赔偿和非责任赔偿两项，针对的是医疗费用、财产损失和死亡伤残赔偿。
从立法上看，交强险是属于一种法律强制险。不买交强险，就意味着车不能上路行驶。而且被交警抓住后，不仅要罚款，车也要被扣。需要按要求买保险，才能把车拿回来。

交通事故发生时，负责赔偿第三方受害人的人身伤害和财产损失。交强险也是国家购买的强制责任保险。不买就是违法，不会让你开车上路。你逃不过交警的“眼睛”。如果被抓到，会扣留车辆，等交强险办完了才能还。
交强险适用“无过错”原则，即无论车主是否有责任，受害人都应得到赔偿。但是，交强险的赔偿金额也是有限制的，如果超出部分由车主自费或第三者责任险支付。

如果只买交强险，赔付是有限的。交强险限额(每次保险事故最高赔偿金额)全国统一定为12.2万元。

在12.2万限额下，常依法应当由被保险人承担损害赔偿责任：

1、发生交通事故，车主有责任时，死亡伤残赔偿限额11万元，医疗费用赔偿限额1万元，财产损失限额2千元。

2、如果在事故中车主无责任的，则死亡伤残赔偿限额1.1万元，医疗费用赔偿限额1千元，财产损失赔偿限额100元。

Extended Information:

The full name of compulsory traffic insurance is "Compulsory Insurance for Motor Vehicle Traffic Accident Liability", which is a mandatory liability insurance for the insured motor vehicle to compensate for personal injury or death and property damage caused by road traffic accidents, within the liability limit of the insured motor vehicle (excluding the personnel of the vehicle and the insured person).

Compulsory insurance is the first compulsory insurance system in China, which is stipulated by national law. Its premium is a national standardized charge, unified by the state, but the price of compulsory insurance is different for different car models, and the main factor is the number of seats in the car.