Priority should be given to purchasing full third-party liability insurance. Third-party insurance is the most important type of auto insurance. After all, the moment of car destruction and personal injury is unpredictable, but compensation for others cannot be waived. When buying car insurance, the ability to compensate for others' losses should be the top priority. Otherwise, the only option is to sell houses or assets after an accident occurs. The premise of the above loophole is that the other party has not applied for asset preservation against your property. Therefore, the insurance amounts for the second and third types of risks should refer to the local compensation standards. According to the highest compensation standards for car insurance, in the event of a fatality, the maximum compensation in Shenzhen can reach 1.5 million yuan, while in Beijing, it may also reach 800,000 yuan. For example, in a 2008 traffic accident where full responsibility was taken, resulting in one fatality of a 30-year-old, the compensation calculation estimated about 600,000 yuan. The sum of the above three items may exceed 600,000 yuan. If you are a car owner in Beijing, it is recommended to review your old policy. If the insurance amount is insufficient, it is advised to insure for at least 200,000 yuan, and if possible, 500,000 yuan. Do not save money on third-party liability insurance. For car owners without other accident or medical insurance, it is recommended to purchase a 100,000 yuan driver's insurance as medical expenses, which can be considered as taking responsibility for the family.
