车辆保险是车辆所有人及车辆驾驶人上路行驶的必备保障,一旦发生交通事故,车险可以减少车主及驾驶人的经济损失,分摊驾车所造成的风险。然而,保险并不是万能的,有很多驾驶人对于车险的认识存在误区,使得保险赔偿的结果或诉讼结果与预期相差甚远,从而引发了车主或驾驶人的对立情绪。因此,在投保车辆保险时,应避免以下几个误区:误区一:只要总额在十二万元以下交强险都可赔 Vehicle insurance is essential protection for vehicle owners and vehicle drivers on the road. In the event of a traffic accident, vehicle insurance can reduce the economic losses of the vehicle owners and drivers and share the risk caused by driving. However, insurance is not omnipotent. There are many drivers who misunderstand the auto insurance and make the outcome of the insurance compensation or the outcome of the litigation far from what is expected, which leads to the opposite sentiment of the owner or driver. Therefore, when insuring vehicle insurance, should avoid the following misunderstandings: Misunderstanding 1: as long as the total amount of 120,000 yuan to pay strong insurance are compensable