车很少开只买交强险可以吗

车很少开只买交强险可以吗

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.

不经常开车只买交强险是可以的，因为只有交强险是属于国家法律规定车辆上路行驶必须要购买的一种保险。除了交强险之外，其他的商业险都是属于车主根据自己的意愿来自愿为车主投保的，如果车主平时开车次数比较少，那么只购买交强险就可以了。

车险其实分为了两大类型，一类是交强险，而另外一类则是商业险，两者主要的区别就是交强险是国家强制必须要购买的，商业选择遵循的是自愿的原则，所以是车主根据自己的用车情况来自由组合的保险。
要注意，交强险是只负责赔偿第3方的，如果投保车辆在交通事故中出现损失，交强险是不会对自己的车辆或者是人员伤亡进行赔偿的。因此车主如果想要保障自己，可以除了购买交强险之外，再考虑购买车损险或座位险等。

交强险赔付标准：
1、死亡伤残赔付限额，投保车主在交通事故里面有责任的前提下，死亡伤残赔偿的最高限额是18万元，无责任的前提下，死亡伤残赔偿的最高限额是1.8万元。
2、医疗费用赔偿限额，投保车主在交通事故里面有责任的前提下，医疗费用赔偿最高限额是1.8万元，无责任的前提下，医疗费用赔偿最高的限额是1800元。
3、财产损失赔偿限额，有责任的前提下，财产损失赔偿限额最高是2000元，无责任的前提下，最高限额是100元。

如果审车的话，车管所只需要车辆有交强险就可以审车。可以，不过从14年开始挂靠单位有占户车辆事故连带责任，所以一般你车挂靠的地方会要求你上全险，这样的话一旦有个大点的事故还能让保险公司来承担。看自己实际情况。