Motor vehicle insurance is also the difference between fire insurance

At present, China's motor vehicle insurance is divided into two kinds: one is the compulsory traffic insurance officially promoted in 06 years 10, and the other is the third-party liability insurance provided by commercial insurance companies. The former is mandated by the state and motor vehicles must be purchased; The latter is a voluntary purchase.

Both can be the same, but because compulsory traffic insurance is an insurance mainly used for popularization, and there is a maximum compensation limit of 50,000 yuan, many friends will also consider buying third-party liability insurance after choosing compulsory traffic insurance.

Fire insurance belongs to the category of property insurance, which was first produced in the United Kingdom. Generally purchased for businesses or families. Losses incurred as a result of a fire and reasonable expenses incurred to fight a fire are covered by this insurance.

Fire insurance has now gradually transformed into enterprise property insurance, the subject of insurance is the assets of the enterprise, and automobile insurance is not a kind of enterprise property insurance!

Car insurance, also known as motor vehicle insurance, is the subject of insurance is the car, and the liability arising from the car!

Fire insurance was the earliest form of property insurance, and later property insurance was also known as fire insurance; Motor vehicle insurance is a type of property insurance.

At present, China's motor vehicle insurance is divided into two kinds: one is the traffic insurance promoted in 06 years 10, and the other is the third-party insurance provided by commercial insurance companies. First, it is mandatory by the state to purchase motor vehicles; The second is voluntary purchase.

It is okay to have the same for both, but because compulsory liability insurance is an insurance that is mainly used for popularization, and there is a maximum compensation limit of 50,000 yuan.

During the insurance period, the insured vehicle will have problems with the vehicle's circuit, line, oil circuit, fuel supply system, and self-destruction of the car, and the friction of the motor vehicle during the use of the ruler.

Fire insurance is a type of property insurance that specifically covers property damage caused by fire. So what are the types of fire insurance? According to the different insured objects, the types of fire insurance can be divided into basic property insurance, comprehensive property insurance and family property insurance.

Among them, home contents insurance is the most common type of fire insurance.

Introduction to fire insurance coverage:

1.Property & Casualty Insurance Basics.

The basic insurance of property insurance mainly protects enterprises and institutions.

The property and materials of government organizations and other organizations are a type of group fire insurance. The contents of the basic insurance of property insurance mainly include: 1

Fire; 2.Lightning strike; 3.**；4.

the fall of flying objects and airborne objects; 5.The insurer shall also be liable for the damage to the power supply, water supply and gas supply equipment for the insured's own use as a result of the insured accident, resulting in power outage, water outage and gas outage, as well as direct losses to the insured subject; 6.Necessary and reasonable rescue expenses.

2.Property & Casualty Insurance, Comprehensive Insurance.

To put it simply, property insurance comprehensive insurance is an extension of property insurance basic insurance, and they are basically the same in terms of protection objects, coverage amounts, etc., but the coverage of property insurance comprehensive insurance is wider than that of property insurance basic insurance, mainly including: 1fire, **, lightning strike; 2.

Rainstorm; 3.Flood; 4.Typhoon; 5.

Storm; 6.Tornado.

7.Snowstorm; 8.hailstorms; 9.Ice; 10.Mudslide.

1l.cliff avalanches; 12.sudden landslides; 13.Sudden collapse of the ground; 14.Falling of flying objects and other airborne objects.

3.Home contents insurance.

This is what we often call home property insurance.

Fire insurance, which is closest to our lives, mainly protects the property of families or individuals. In addition to fire accidents, it also covers the loss of household property caused by theft, heavy rain, etc.

Test your anti-risk index, experts will interpret it for you for free!

Summary. Vehicle fire refers to a disaster caused by uncontrolled combustion in time or space (i.e., a violent oxidation reaction with heat, light, and flame) caused by a fire source other than the motor vehicle itself.

Hello, your problem description is not very clear, can you re-understand, what happened to the fire and car damage insurance.

During the driving of the vehicle, the combustion of the car due to the high temperature of the exhaust pipe is too high and the debris is ignited, whether it is a fire or spontaneous combustion.

Vehicle fire collapse refers to the disaster caused by uncontrolled combustion (i.e., violent oxidation reaction with heat, light, and flame posture) caused by an ignition source other than the motor vehicle itself.

So it's spontaneous combustion.

I hope mine is helpful to you, and don't forget to leave a thumbs up

Summary. Hello! We're happy to answer for you!

Spontaneous combustion of a vehicle is called spontaneous combustion insurance, which refers to the spontaneous combustion of a vehicle without being injured by external injuries or considered factors. Spontaneous combustion of vehicles is uncertain. Paid according to the actual value.

Spontaneous combustion loss insurance is an additional insurance to the car damage insurance, and you can take out this type of insurance after taking out the car damage insurance.

In the absence of an external fire source, the loss of the vehicle caused by the combustion of the insured motor vehicle such as the vehicle's electrical appliances, wiring, oil supply system, gas supply system, etc., or the goods carried by the car, shall be compensated by the insurance.

What is the risk of accidental fire of the vehicle?

Hello! We're happy to answer for you! Spontaneous combustion of a vehicle is called spontaneous combustion insurance, which refers to the spontaneous combustion of a vehicle without being injured by external injuries or considered factors.

Spontaneous combustion of vehicles is uncertain. Paid according to the actual value. Spontaneous combustion loss insurance is an additional type of insurance to the car damage insurance, which can be purchased after the car damage insurance is insured.

In the absence of an external fire source, the loss of combustion of the vehicle due to the combustion of the insured motor vehicle, such as the vehicle's electrical appliances, wiring, oil supply system, gas supply system, etc., or the goods contained in the vehicle, shall be compensated by the insurance.

Will the insurance company pay if my car accidentally catches fire? Then I didn't have spontaneous combustion in my insurance.

Well, the insurance company can claim some of the claims, but not all of them.

And the claim is troublesome, and the insurance company will reject it.

It's that my car doesn't spontaneously combust. It was because of an external cause that caught fire. Will the insurance pay for it?

Then my car was back on this insurance that I couldn't find a third party for. This means that no matter what the problem with the vehicle is, no third party can be found. will settle the claim.

Also, the insurance will deny me. Then do I have to find a lawyer to fight the insurance company?

No, even if you find a lawyer, you don't have much chance of winning.

Because there is no specific spontaneous combustion insurance.

It is estimated that the money lost is not enough for the lawyer.

Vehicle damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident while driving the insured vehicle or its permitted driver.

What is included in the car damage insurance:

When the car is in an accident, the damage to the body such as dents and scratches belongs to the car damage insurance. Car damage insurance also contains a lot of additional insurance, which can be purchased together after purchasing car damage insurance, such as body scratch insurance, glass damage insurance, parking risk and engine special insurance, etc.

In the car damage insurance, if you buy the glass alone damage insurance, then when the car glass is damaged, the insurance company will make a claim, if you do not buy this additional insurance, you have to bear the loss of the car owner.

Liability Coverage of Car Damage Insurance:

1. The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle or its permitted drivers:

collision, overturning, falling;

Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately invested);

Falling and collapsing of external objects;

storms, tornadoes;

lightning strikes, hailstorms, torrential rains, floods, tsunamis;

ground subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide;

Natural disasters on ferries carrying insured vehicles (only for those who are cared for by a driver).

What does car damage insurance include?

1.Notification of insurance and filing of claims.

After the occurrence of the insurance accident, the insured or beneficiary shall notify the insurer of the time, place, cause and loss caused by the occurrence of the insured accident in the fastest way, so as to facilitate the insurer's timely investigation and verification and confirmation of liability. At the same time, the insured or beneficiary shall also inform the insurer of the insurance document number, the subject matter of the insurance, the type of insurance, the insurance period, and other matters. If the subject matter of the insurance is damaged in a different place, the insured shall report to the original insurer and its branch in the local area or its ** person.

This is called a notice of danger.

2.Reasonable rescue and protection of the accident scene.

Reasonable rescue is an obligation undertaken by the insured, and the insured shall take necessary and reasonable rescue measures to rescue the insured accident, such as extinguishing the fire, rescuing the property in distress, etc. and make the necessary arrangements for the damaged insurance objects. After the occurrence of an insured event, the insured or beneficiary shall protect the accident scene without the insurer's investigation, damage verification or consent, and shall not first clean up the accident scene, nor shall it dismantle or repair or dispose of the damaged property by itself.

Otherwise, it will cause difficulties in the future claim settlement work and increase the trouble of damage assessment and compensation.

3.Accept the insurer's inspection.

The insurer has the right to conduct an on-site survey, while the insured has the obligation to accept the inspection. Therefore, the insured shall, according to the requirements of the insurer, submit an application for inspection, accept the inspection of the insurer or other personnel entrusted by it (such as the insurer and the inspection authority), and provide convenient conditions for the inspection to ensure that the insurer timely and accurately ascertain the cause of the accident, confirm the degree of damage and the amount of loss, etc.

4.Provision of claim documentation.

When the insured or beneficiary makes a claim, it shall provide the insurer with the corresponding claim documents in accordance with the relevant laws and the provisions of the insurance contract, and the insurer will accept the claim. In general, the following documents should be provided:

a.The original copy of the insurance policy or certificate of insurance;

b.Proof of payment of insurance premiums;

c.Original documents proving the identity of the subject matter of the insurance or the parties. The former is such as account books, receipts, invoice packing lists, etc., and the latter is such as ID cards, work permits, household books, etc.

d.Documents proving the insured accident and the consequences of its damages. Such as insurance accident investigation and inspection report, insurance certificate, damage appraisal certificate, etc.

e.List of claims. This includes a list of damaged property, a list of various expenses (such as rescue and sorting expenses), etc.

f.Other documents that shall be provided in accordance with regulations.

5.Issue a letter of transfer of rights and interests to the insurer.

Since property insurance is compensatory, the insured cannot obtain benefits beyond the scope of compensation for the loss of its insured property, therefore, the system of recovery and payment on behalf of the insured is applied in the claims and claims settlement of property insurance. Therefore, when the liability of a third party is involved, the insured shall issue a written transfer document to the insurer to transfer its right to claim compensation from a third party to the insurer to prove the insurer's right to recover from the third party after paying compensation to the insured.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"