2021 car insurance only compulsory insurance third party liability insurance and deductible insurance?

2021 car insurance only compulsory insurance third party liability insurance and deductible insurance?

How to get the best deal on car insurance after the 2021 car insurance reform?

First, compulsory insurance; this is the purchase of a car on the road must be bought, the payout from the original 122,000 raised to 200,000.

Second, third party insurance;
Previously, the most we could buy was $5 million, but now it's been raised to $10 million, so if we accidentally stumble upon a luxury car, we won't have to lose our homes.

Third, automobile damage insurance
Car damage insurance is used to cover the cost of repairing our own cars in the event of an accident. After the car insurance reform, the six insurance policies that used to be purchased separately, namely, water-related insurance, theft insurance, spontaneous combustion insurance, glass insurance exclusion and unavailable third-party liability insurance, have all been combined into the car damage insurance.
While it's a more complete insurance policy, which is much better for newbies, it's a bit more expensive for seasoned veteran drivers.

The key thing to note is that the old free insurance company builds of gas delivery, towing, and all those services are gone. You can buy a value-added service specialty insurance policy if you need it, and it's only a couple 10 bucks.

Can't remember friends can collect attention, share practical car trivia, let you know more about the car.

The 2021 triple coverage does not include an exclusion, but the exclusion is directly available when purchased, and the exclusion is merged directly into the car insurance policy sold together.
Expanded Information:
In September 2020, the CBIRC formulated the "Guiding Opinions on the Implementation of Comprehensive Reform of Automobile Insurance", in which the third point mentions that under the principle of basically not increasing consumers' premium expenditure, the industry is supported to expand the scope of protection responsibilities of commercial automobile insurance. Guiding the industry to model products of motor vehicle damage insurance main insurance clauses in the existing insurance responsibilities based on the motor vehicle, increase the motor vehicle theft, glass separate broken, spontaneous combustion, engine water, deductible, can not be found in third-party special insurance responsibilities, to provide consumers with a more comprehensive and perfect auto insurance protection services. Support the industry to develop additional insurance products such as wheel alone loss insurance and liability insurance for medicines outside of medical insurance. After the policy came out, many car owners are asking the car insurance deductible canceled, in fact, no, just third party liability insurance, car damage insurance, driver and passenger insurance of their respective deductible into their respective, no longer as a separate additional types of insurance, need to pay attention to, car insurance is a local, the market environment of the different regions of the cost is not the same, of course, just the cost of the difference, major Insurance companies of various types of car insurance prices are almost the same, car owners only need to look at the location of the insurance company which service is a little better, which discounts a little more and then choose.
Car damage insurance covers a wide range of insurance, mainly vehicle damage insurance, engine water-related insurance, glass insurance, spontaneous combustion insurance, deductible insurance, after the reform of commercial car insurance, it means that car owners no longer need to buy a separate deductible insurance, and directly buy car damage insurance can be. If the insured vehicle accident, regardless of their own car suffered losses or the other side of the vehicle losses, as long as the insurance claims are purchased within the scope of compensation, will be compensated, deductible insurance involves a very wide range of compensation, as the car insurance in the additional insurance, the following situation is the insurance company can not pay the full amount of compensation.
1. Traffic accidents cannot determine the cause of the accident, and both parties to the accident have resolved themselves. For example, after the vehicle collision, both parties to the accident can not provide a clear responsibility for the accident, even if the purchase of the deductible, may not be able to obtain full compensation.
2, third-party liability, but can not find the third party, this situation can be a traffic accident claims, but because you can not find the third party, even if the insurance does not count the deductible, it is difficult to get full compensation.
3, appear more frequently, we all know that frequent appearances will increase the premium for the second year, and may also lead to the exclusion can not be effective.

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Car insurance is divided into compulsory insurance and commercial insurance, compulsory insurance is the state mandatory to buy at the same time also want to buy the vehicle use tax, with the compulsory insurance, the car this time there is no problem, of course, or recommended to buy commercial insurance inside the third party insurance, third party liability insurance is when a traffic accident. The third party liability insurance coverage is not enough to pay, this time, it will use the third party liability insurance to continue to pay.