Instructions for Purchasing Car Insurance

Instructions for Purchasing Car Insurance Lawyer Huang Huili I am a new immigrant from China and first arrived in Phoenix, Arizona. This has never happened in China...

Lawyer Huang Huili

I am a new immigrant from China and first arrived in Phoenix, Arizona. I have no car experience in China. I just learned to drive and bought an old car. I need to buy car insurance. What kind of insurance is better? Answer: When purchasing car insurance, be sure to purchase a policy with sufficient protection. In the event of an accident, you can protect yourself and your family members. Even if your family members are not in the car, you can also be protected in the event of an accident. Chinese generally like to buy the lowest amount of third-party liability insurance in order to save money. The maximum compensation for injuries to one person is NT$15,000, and the maximum compensation for injuries to two or more people is NT$30,000. If unfortunately a major car accident occurs, this amount of compensation cannot cover the injuries and permanent injuries caused to the victim due to the car accident, thereby threatening the private property of the driver and car owner in legal proceedings. If the economy allows, you might as well increase the amount of liability insurance to 100,000 yuan for a single person and 300,000 yuan for multiple people, so that the normal life of the driver or car owner will not be affected after an accident. When the liability insurance limit is increased, the limits of "Uninsured Motorist coverage" (UM) and "Underinsured Motorist coverage" can be increased to NT$100,000 and NT$300,000 at the same time. In addition to the order, you can purchase a medical component. For example, you can use this component to see a doctor regardless of whether it is your fault or not. If you hit someone else, unless you have purchased a component to repair your own car, you will have to pay for the repairs out of your own pocket. If you also purchase a rental component, you can also ask your insurance company to repair the car for you during the repair period. Such a comprehensive insurance policy should give you the best protection.