What documents are needed to buy car insurance?
2 Answers
First is the driver's license. Purchasing insurance requires the driver or car owner to present valid identification. When handling business at the insurance company, relevant staff will request the car owner to provide the above documents and require copies of these documents. Secondly, the insurance company requires the policyholder to present their own vehicle registration certificate. Below is more information about car insurance: Only purchasing vehicle damage insurance: If the car owner only purchases vehicle damage insurance, they can only receive 85% compensation. That is, if the owner only purchases vehicle damage insurance without any supplementary insurance, the insurance company will cover 85% of the compensation, and the rest must be borne by the owner. Purchasing vehicle damage insurance, and vehicle damage insurance with non-deductible coverage: If the owner purchases vehicle damage insurance along with non-deductible coverage, they can receive full compensation. If the owner only purchases compulsory traffic insurance and encounters hail damage, they cannot enjoy claim services. Compensation situation: If the entire car is damaged, as long as the owner has purchased vehicle damage insurance and additional non-deductible coverage, they can receive corresponding compensation; if only the glass is damaged (excluding the sunroof), the owner must purchase separate glass breakage insurance to receive compensation. In such cases, glass insurance must also be purchased because it is a separate insurance and will not cover glass damage otherwise.
Recently, a friend bought a car, and I helped them handle the insurance procedures several times. The required documents aren’t too complicated. The most important thing is to bring the original and a copy of your ID card—this is the basic proof of your identity. Next is the vehicle’s registration certificate, which is mandatory, as it contains the car’s registration details. New car owners also need the purchase invoice to prove the car’s value. If you’ve had car insurance before, bringing the old policy might get you a discount. If the car was purchased with a bank loan, prepare the bank’s loan documentation. It’s advisable to handle the process at a formal insurance company or a 4S shop, as they can verify everything quickly. Once, I forgot a copy and ended up wasting half a day, so I remind everyone to prepare copies in advance and double-check before going. Don’t forget to bring your phone number for contact—just a little tip.
