Bad drivers are those who often violate the rules and have frequent accidents. For bad drivers, the choice of car insurance needs to take into account factors such as their driving record, vehicle type, and driving route. This article will conduct in-depth analysis from the aspects of insurance types, insurance liability, insurance claims and so on, and provide the best automobile insurance suggestions for bad drivers.
Bad driver car insurance type of insurance
Compulsory traffic insurance
Compulsory traffic insurance means that in the event of a vehicle accident, the insurance company will compensate the loss of a third party. Compulsory traffic insurance is compulsory and must be purchased for all vehicles.
Commercial insurance
Commercial insurance means that in the event of a collision, scratch, fire, explosion and other accidents, the insurance company will compensate the owner’s loss. Commercial insurance usually includes vehicle damage insurance, third party liability insurance, theft insurance and so on.
Bad driver car insurance insurance liability
Compulsory traffic insurance
The insurance liability of compulsory traffic insurance covers the loss of a third party when the vehicle is involved in a traffic accident. The insurance liability of compulsory traffic insurance also includes the liability insurance of the vehicle personnel, that is, in the event of an accident, the insurance company will compensate the medical expenses and disability compensation of the vehicle personnel.
Commercial insurance
The insurance liability of commercial insurance includes the accident of the vehicle collision, scratch, fire, explosion, etc., and the insurance company will compensate the owner’s loss. The insurance liability of commercial insurance also includes the compensation in case of vehicle theft, robbery and so on.
Bad driver’s car insurance claims process
Report a case to the police
In the event of an accident in the vehicle, the owner needs to report the case in time and submit a claim application to the insurance company.
Claims investigation
The insurance company will investigate the accident, including viewing the accident scene and understanding the circumstances of the accident.
Settlement of claims
After the claim investigation, the insurance company will compensate according to the insurance liability and the insurance amount.
Conclusion
When choosing auto insurance, bad drivers need to take into account factors such as their driving record, vehicle type, and driving route. Compulsory traffic insurance is compulsory and must be purchased for all vehicles. Commercial insurance can be selected according to individual needs of the corresponding insurance plan. In the process of claims, the owner needs to report the case in time and submit a claim application to the insurance company in order to obtain timely compensation. For bad drivers, choosing a car insurance plan that suits them and abiding by traffic rules is the best choice.
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