汽车可以只买交强险吗?

汽车可以只买交强险吗?

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.

Legal analysis:
只买交强险是可以的。交强险是国家强制要求购买的，不投保机动车是不能上路行驶的。交强险的保障额度是比较低的，保障范围也有一定限制，他只能为第三方提供保障，不能为车主本人提供保障。所以建议在投保了交强险的同时还要投保商业保险。商业保险是交强险的补充，一般常见的商业险种有第三者责任保险、车损险和车上人员责任保险。三者险类似于交强险，可以赔偿事故中对方财产、人员伤亡等损失，但不包括自己、本车成员。车损险，可以保障车辆因为事故、自然灾害而导致的损失。车上人员责任保险可以保障司机及本车人员。其余的附加险如车身划痕损失险、修理期间费用补偿险等就可以根据自己的实际情况来选择。

法律依据：《机动车交通事故责任强制保险条例》 第四十三条 挂车不投保机动车交通事故责任强制保险。发生道路交通事故造成人身伤亡、财产损失的，由牵引车投保的保险公司在机动车交通事故责任强制保险责任限额范围内予以赔偿;不足的部分，由牵引车方和挂车方依照法律规定承担赔偿责任。

一、无交强险上路出了交通事故怎么判责：
1、车主没人购买交强险的，发生交通事故后，不影响交通事故责任认定。
2、发生交通事故后，根据当事人的行为对发生道路交通事故所起的作用以及过错的严重程度，确定当事人的责任。
3、未投保交强险的，由公安机关交通管理部门扣留机动车，并处投保最低责任限额应缴纳的保险费的2倍罚款。
二、交强险办理需要什么条件：
1、车主携带有关证件到具备经营强制保险资格的保险公司投保。
2、在保险公司的指导下,如实填写投保单。
3、保险公司经办人员验车、验证、保证承保车辆的保单内容与行车证、实际车辆信息相符。
4、根据车辆的使用性质、实际情况确定保险费额。

恩，交强险是国家强制规定，而且所有的保险公司的险种都是差不多的。其实每家公司的险种差异主要集中在商业车险部分，其一般是依附于交强险，作为交强险的补充，目的旨在让司机和车都能得要更好的保障，反正不建议只买交强险，保障真的好少。还有哈，我家车险这几年一直是在平安车险官网买的，点击网上商城，第一项就是汽车保险。填好你的信息。如果以前有购买过，就点击老客户续保快速通道。如果没有，就按着要求填写。选择交强险和商业险项目，然后直接出报价，在线支付就好了，价明细一目了然特别的好。