不保車體險是不是最划算? - 汽車
By Puput
at 2021-11-26T19:22
at 2021-11-26T19:22
Table of Contents
保險的精神是風險轉嫁,將你承受不起的風險,花點小錢,轉嫁出去
另外車體險又多了保險公司代位求償,不幸車禍,求償是方便很多
以我的例子,
年收500萬,車價100萬。我是沒保車體險。
最差的狀況,車子全毀,就再花2個月的薪水買一台就可以
倒是第三人+超額2000萬要保好,保滿。這風險對我而言相對大,就將它轉嫁出去,給保
險公司承擔
另外,我一年里程約8000公里,機乎只有上下班熟悉的路段,判斷風險也不高。
所以車體險的考量是
1.風險轉嫁。 用你的資產與車價比例來考量
2.代位求償方便。
3.里程高,新手,常去不熟悉的地方走走,也可以保車體險
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