只买交强险可以吗?

只买交强险可以吗?

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.

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。

Extended Information:

1. 车险险种要买全
1）交强险一定要购买
交强险是国家强制性要求购买的，没有购买是不能上路的。它的本质是第三者险，所以其保障的是车祸给第三者造成的伤害。
2）商业保险要补充
商业保险的种类较多，但是车主应该根据实际情况选择，一般建议是车损险、三者险、不计免赔险这三种一定要购买，车损险可以赔偿自己车的损失，而三者险是作为交强险的补充，而车主在事故中需要承担的部分费用，不计免赔险可以抵消到一个免赔率。
2. 注意合同细节
要看清楚产品合同的一个保障内容和免责条件是什么，每一个险种的赔付范围和赔付天剑都是不同的。比如这个险种什么情况保险公司是不赔的，理赔应该准备什么材料，这些都要了解清楚，避免到时候事故发生了引起了理赔纠纷。
3.先报案再修理
在遇到事故的时候，应该是第一时间找保险公司报案，保险公司会派人到现场查勘、定损，然后才是修车，最后是提交单证、赔款。如果你不不先向保险公司报案，私自找修理厂，后面可能保险公司任务修理费用高出定损的费用，差额部分将由车主自行承担。
4．将保额买足
千万不要为了省钱，选择额度太低的保额。虽然保费是便宜不少了，但是一旦出了险，造成汽车毁损比较严重的，将得不到全额赔偿，只能按照当时购买车险的比例进行赔付。
在投保时最好以汽车的实际价格进行投保，这样子的保障才比较全面，出险才能得到全额赔付。
其实购买车险要注意的事项还是比较多的，只有认真了解去选择购买才不会掉进坑里。才能买到最合适又最便宜的保险。