Is it okay to buy only compulsory insurance for a new car without commercial insurance?

Is it okay to buy only compulsory insurance for a new car without commercial insurance?

How to buy insurance for the second year of the car? Today a fan asked me such a question about a similar problem, in fact, in 2020, I shared a lot, then share especially much dry knowledge of buying a car, the past few years thought that we all understand, so I said less.

Both friends want to understand, that is, there is still a part of the friends have a certain demand for knowledge of the car, so I will say it again, to popularize it.

For the second year of auto insurance, you can buy it based on the first year's program. But be careful in your program selection and buy only what you need.

First of all, the compulsory insurance and vehicle tax is certainly to buy, there is no doubt, do not bother, because you do not buy, can not go on the road. Secondly, the choice of commercial insurance is very delicate.

I would recommend getting 3 types of insurance, the first being car damage insurance. Nowadays, car damage insurance includes water-related insurance, glass insurance, deductible, theft insurance, and so on. To prevent being fooled, you should only buy one car damage insurance.

Second, the third party liability insurance, this insurance is also good to understand, I do not explain, I will say the amount of coverage. A lot of 4s stores are fooling you to buy 3 million or 2 million, which in fact is completely unnecessary, generally you buy a 1 million is already enough to use, unless you live in a high-end neighborhood, surrounded by millions of luxury cars, otherwise there is no need for this. As you get better at driving, you'll end up with a 500,000 and that's good enough. You can save a lot of money here, so buy according to your reality.

Third, the car occupant insurance. The driver and passengers and seat insurance are bought, this insurance is to protect in case of traffic accidents, so that you are less accompanied, to increase their own anti-risk ability to use. This kind of insurance is not much money, but very important.

Above all, it is the second year, or even look at the way car owners buy insurance. Just pick the type of insurance to get quotes from insurance companies.

一、新车可以不买商业险吗
1、新车可以不买商业险。车险可以分为交强险和商业车险。购车时交强险是强制险，是必须购买的，商业保险作为交强险的补充和保护车辆和被保险人，是可以选择购买的。
2、法律依据：《机动车辆保险附加险》第二条
附加险在保险期间内，保险车辆在使用过程中，发生本车风挡玻璃或车窗玻璃的单独破碎，保险人按实际损失赔偿。投保人在与保险人协商的基础上，自愿按进口或国产玻璃选择投保，保险人根据其选择承担相应保险责任。
二、新车该上哪些商业保险
1、第三者责任险、盗抢险、车上人员责任险、车辆损失险车身划痕损失险、自燃损失险、不计免赔险；
2、交强险是国家强制规定，车辆必须购买的商业险因车而异，但第三者责任险必须要买，利人利己；
3、如果是新车，要购买第三者责任险，最少10万。车损险、划痕险、盗抢险、玻璃破碎险。
交通事故发生后，如果交警责任认定时，认为是需要承担全责的，那么保险公司承担第三者损失的80%