自動車の買い替え時の保険について
今回は自動車を買い替える際の自動車保険の事について少し書いてみようと思います。
皆さんもご存知だとは思いますが、車を買う時には、強制保険である自賠責保険に入ります。
これは国が自動車を購入する人全てに課している義務なので、この保険に入らないと車に乗ることはできません。
自賠責保険の正式名称は自動車損害賠償責任保険といいます。
自賠責（自賠責）と略して使われる事が多いですね。
これは、自動車を運転する人が事故などを起こした時に最低限の補償が得られるようにするための保険です。
ところで、国で課している保険があるのになぜ多くの自動車保険会社があり、任意保険があるのかと不思議に思ったことはありませんか？
実は、自賠責保険だけでは、実際に事故などが起きた場合の補償としては不十分なことが多いのがその理由です。
自賠責は最低限という感じですね(^^ゞ
さて、車の買い替えをする時には保険をどうすればいいのか、というのは一つの悩みです。
車の保険は毎年更新するものですが、事故や故障で車を買い替えなければならなくなる時というのは、当然ですが、突然訪れるものです。
保険の補償期間内である場合は払い込んだ保険金はどうなるのか？など疑問に思うことは多々あります。
車の買い替え時に再度任意保険の契約をすることになるわけですが、保険の契約をする時には、将来のことを考えて、こうした買い替え時の手続きなども念のために聞いておいた方が良さそうですね。
次回からはもう少し自動車保険についても書いてみようと思います♪
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