In fact, this problem differ from man to man. Personally think that is mainly to see their own economic conditions.

First of all to buy vehicle insurance, third party liability insurance is very necessary, because it is the major guarantee for three persons and property.

When the car, causing injury or property loss, the insurance can help you take "some" compensation costs. I used the word "part", because I deal with these third compensation is not much is 100%.

Back to the topic, the insured, the insurance company of a single member will be asked to protect? 50000, 100000, 150000 and so on to 1000000. But the highest general also 500000.

The 50000 is like I such person, with the illumination time is not long, driving a car, the speed is not quick, estimate the fundamental not "event" "not what money".

If it is generally able to normal consumption of 10-20 million more appropriate. But the operation must be careful not to "disabled" or "death", because of the limit in this economic environment is not enough. Unless it is personal money or the unit to be able to give up.

If driving fierce enough, about 20-30 million. Note insists not to hurt!

Because I calculated disability or death, according to the general flat pay 2000 yuan / month, according to the 20 annual compensation, should be 480000. In some economically developed areas where conditions, 20 years in addition to this number.

    You also need to add a very important point. Now each car to protect "cross strong insurance". The total amount is 120000 2. The "death and disability" highest compensate 110000. The other 10000 medical, 2000 for third party property damage.

If the traffic wounding, firstly, the insurance company will from "pay strong risk" amount of buckle, insufficient from the commercial third party buckle.

So if you are afraid to "death and disability" reference "pay strong risk" 110000 + "third party liability insurance coverage to determine how much" for his car the highest "third benefits".