BMW's 7-seater models include the BMW 2 Series Gran Tourer and the BMW X7. Precautions for purchasing car insurance are as follows: 1. Purchase all necessary insurance types: Compulsory Traffic Insurance is a national mandatory requirement, and you cannot drive without it. Its essence is third-party liability insurance, so it covers the damage caused to third parties in an accident. There are various types of commercial insurance, but car owners should choose based on actual needs. Generally, it is recommended to purchase Vehicle Damage Insurance, Third-Party Liability Insurance, and No-Deductible Insurance. Vehicle Damage Insurance compensates for the loss of your own car, while Third-Party Liability Insurance serves as a supplement to Compulsory Traffic Insurance. The No-Deductible Insurance can offset a deductible rate for the portion of expenses the car owner needs to bear in an accident. 2. Pay attention to contract details: It is important to clearly understand the coverage and exclusion conditions of the product contract, as the compensation scope of each insurance type varies. For example, under what circumstances the insurance company will not compensate, and what materials should be prepared for a claim. 3. Report before repairing: In the event of an accident, the first step is to report it to the insurance company, which will then send someone to inspect the scene and assess the damage. Only after this should the car be repaired, followed by submitting documents and receiving compensation. If you do not report to the insurance company first and instead go to a repair shop privately, the insurance company may later determine that the repair costs exceed the assessed damage, and the difference will have to be borne by the car owner.
