车损险有必要买吗-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	车损险有必要买吗
释义	法律分析：商业第三者责任险以及车损险则是由车主自主选择是否购买的，其费率结构大致是统一的！交强险是国家强制必须购买的，不同于车损险。另外，建议您最好是结合车辆状况与需投保的险种向各家车险公司具体咨询，不是完全统一的，之后的车辆强制保险费用＝基础保费(1＋与道路交通事故相联系的浮动比率)(1＋与交通安全违法行为相联系的浮动比率)，汽车商业险（车上人员责任险，具体的商业险费率也是由各家保险公司依据保监会的相关规定各自确定的。因此，车辆第一年的基础费率为每年950元（6座以下私家车）
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