What are the types and functions of vehicle insurance, and what are the types and functions of vehic

Vehicle damage insurance (optional amount: full price of the car --- full price * 120%)

Responsible for compensating for the loss of your own vehicle in the event of an insured accident.

Commercial Third Party Liability Insurance (optional amount: 50,000 ---1 million).

In the event of an insured event, the insurance company may compensate you for the loss (person or property) suffered by a third party in accordance with the terms and conditions. For example, in the event of the following accidents, if you are liable, the insurance company can compensate you according to the terms and conditions.

Full car theft insurance (insured and not insured).

If the vehicle is stolen or stolen, the insurance company will compensate according to the terms.

Passenger seat liability insurance (optional amount: 10,000 --- 100,000 seats).

In the event of an accident that causes the personal life of the passenger (not the driver) of the car, if the car is responsible, the insurance company will compensate according to the terms and conditions. Passenger seat liability insurance is the passenger seat part of the passenger liability insurance for people on board.

Separate glass breakage insurance (optional: domestic glass, imported glass).

If the windows and windshield are broken separately, the insurance company will compensate according to the actual loss. For example, the following accidents cause your car windows and windshield to break:

Driving at high speed, the windows and windshield were shattered by flying stones.

The windows and windshield of the vehicle were smashed by falling objects from a high altitude.

Spontaneous combustion loss insurance (insured and not insured).

The insurance company shall compensate for the loss of your vehicle itself due to problems with the electrical appliances, circuits, oil circuits, oil supply systems, gas supply systems, and on-board goods themselves, as well as the friction of vehicle operation.

Body scratch damage insurance (optional amount: 20 million --- 20 million).

If the paint on the surface of the body without collision marks is scratched separately, the insurance company is responsible for compensation. For example, if your car is parked and someone scratches it with a sharp object such as a key or a knife, the insurance company will be responsible for reimbursing you for the cost of repairing it according to the terms.

Excludes the special clause of the deductible odds (insured and not insured).

After the occurrence of the insured event, the insurance company will calculate the deductible amount that should be borne by the insured (calculated according to the accident liability deductible odds or absolute deductible odds corresponding to each type of insurance specified in the clauses), and the insurer shall be responsible for compensating for this part of the deductible amount after the insurance is not calculated without the deductible special clause.

1. Compulsory traffic insurance.

Insurance liability: the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by road traffic accidents.

2. Third Party Liability Insurance.

Insurance liability: The insured or its permitted qualified driver in the process of using the insured vehicle, in the event of an accident, resulting in a third party suffering direct damage to personal ** or property, the amount of compensation that shall be paid by the insured in accordance with the law, the insurance company shall compensate in accordance with the "Road Traffic Accident Handling Measures" and the insurance contract.

3. Vehicle damage insurance.

Insurance liability: The insurance company is responsible for compensating for the losses caused by the insured or its permitted qualified drivers in the process of using the insured vehicle due to the following reasons: the loss caused by the accidental collision, rollover and other accidents of the insured vehicle; Fire around the insured vehicle, damage to the vehicle; Losses caused by the collapse of external objects, the fall of objects running in the air, and the parallel fall of the insured vehicle while driving; Losses to insured vehicles due to the following natural disasters:

lightning strikes, storms, tornadoes, torrential rains, floods, tsunamis, subsidence, ice subsidence, cliff avalanches, hailstorms, mudslides, landslides; Damage to the insured vehicle caused by a natural disaster (only if the driver is with the attendant on board) on the ferry carrying the insured vehicle.

Compensation items: including the loss of the vehicle itself in the accident and the reasonable expenses incurred for the reasonable rescue and protection measures taken on the vehicle.

1. Compulsory traffic insurance--- This is the minimum protection to protect the basic rights and interests of others, such as hitting a dead person, your poor jingle bell early ring compensation does not do the branch balance and there is no other insurance, compulsory traffic insurance to the victim to pay the funeral expenses, you should pay the legal responsibility for pure work, this is compulsory insurance;

2. Car damage insurance --- car accident, the car is scrapped, the car is bumped, and even scratches can be damaged, repair the car yourself and spend less money, with no deductible, you can repair the car without spending money, and it is also the most important insurance. Third-party liability insurance--- if you hit someone's car with 1 million, it costs 500,000 to repair the car, or 500,000 to compensate if you hit someone, and the third party will compensate you at this time, provided that your third-party insurance covers 500,000. As the name suggests--- the compensation for the purchase of the car after the car is robbed and stolen, is calculated according to the depreciation of your car;

3. Driver liability insurance and passenger liability insurance--- if you have an accident while driving, you and the passengers next to you are injured, and you will be compensated for your insurance;

4. Glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, these are also as the name suggests;

5. Regardless of deductible--- more important types of insurance, such as your liability for a crash, only part of the car damage will be compensated to you, and you can be compensated in full without deductible;

Millions of car purchase subsidies.

Types and roles of models currently on sale. Auto insurance is divided into two major sectors: mandatory suspicion and commercial insurance.

Compulsory liability insurance for motor vehicle traffic, referred to as compulsory traffic insurance. This is a must-buy for all car owners, and it is also the most basic protection for drivers and pedestrians. Generally, when buying compulsory traffic insurance, it will be accompanied by vehicle and vessel tax. This makes it easier for us to inspect last year.

The commercial insurance products currently on sale include car damage insurance, third-party liability insurance, occupant seat insurance, theft insurance, glass breakage insurance, scratch insurance, wading insurance, and spontaneous combustion insurance without deductible. Like the average old driver who buys commercial insurance, he will basically choose car damage insurance plus 1 million three and no deductible.

For other types of insurance, it depends on your own celery needs.

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

1. [Third Party Liability Insurance].

In the accident, if the person or property of other people other than the driver and passengers of the car is directly damaged, the insurance company shall compensate according to the regulations. For example, if the driver accidentally hits an electric vehicle, the insurance company will be responsible for the damage to the electric vehicle and the compensation cost of the electric vehicle driver**.

Suitable for: people who are at ease with themselves and those who are very uneasy about others.

2. [Car damage insurance].

Responsible for compensation for the damage caused by natural disasters or accidents caused by the vehicle itself. This is the most important type of vehicle insurance. Whether to insure or not to insure this type of insurance, you need to weigh its impact. If not, the cost of repairing the vehicle after the collision will be borne by yourself.

Suitable for: Novices and those with short tempers and fierce driving styles.

3. [Whole car theft rescue].

The insurance company is responsible for compensating for the reasonable expenses incurred by the insured vehicle if the insured vehicle is stolen or robbed, and the whereabouts have not been ascertained for three months after the case has been confirmed by the public security criminal investigation department, or the insured vehicle has been damaged during the theft, robbery, or robbery, or the parts and accessories on the vehicle are lost and need to be repaired.

Suitable for people: long-term night roads, mountain roads, or long-term parking in informal parking lots are recommended to buy.

4. [Excluding deductible insurance].

This insurance can only be purchased on the basis of both vehicle damage and third party liability insurance. The insurer shall be responsible for compensating for the deductible amount calculated in accordance with the provisions of the basic insurance within the amount that meets the compensation requirements. In other words, after applying for this insurance, the insurance company will compensate for all losses incurred by the vehicle in terms of vehicle damage insurance and third-party liability insurance.

Suitable for: those who can't withstand the blow and have a lot of things to do.

5. [Scratch Insurance].

It means that during the insurance period, the insured vehicle has a separate scratch on the surface of the body without obvious collision marks, and the insurance company is responsible for compensation according to the actual loss. Scratch insurance is an additional insurance to the vehicle damage insurance, that is, it can only be insured if the vehicle damage insurance is insured, and cannot be insured separately.

Suitable for: Owners of new cars within 2 years.

Compulsory third-party liability insurance (compulsory traffic insurance), vehicle loss insurance, vehicle loss insurance, special insurance without deductible, glass breakage insurance, scratch insurance, etc.

Vehicle insurance, i.e., motor vehicle insurance, abbreviated as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles.

Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles.

At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.

A type of insurance widely carried out in China is a kind of insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject matter of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.

Hello Car Liability Insurance Insurance Liability: The insurance company shall be liable for compensation for the loss of the goods on the vehicle and the ** of the people on the vehicle and the rescue expenses caused by the accident of the insured vehicle.

There is quite a lot of vehicle insurance. The main one is compulsory insurance. Commercial insurance is divided into two main parts.

Hello, there are more insurance in the car industry, there is compulsory traffic insurance, and there are more car damage in commercial insurance.

1. Compulsory traffic insurance: Compulsory traffic insurance is a mandatory insurance stipulated by China's laws, so everyone who has a car must buy it. If your car is driving on the road without purchasing compulsory traffic insurance, you will be deducted points and fined if it is found by the traffic police, and if the circumstances are serious, you may be detained because it is illegal.

2. Liability insurance: third-party liability insurance (referred to as liability insurance), this kind of insurance mainly protects the car from hitting someone else's car in the process of driving, and the compensation money is paid entirely by the insurance company. At present, there are two types of insurance for three liability insurance: 500,000 and 1 million, and car owners who are not at ease can buy the insurance amount higher.

3. Vehicle damage insurance: The so-called car damage insurance refers to a kind of automobile commercial insurance in which the insured is compensated within a reasonable range if the insured suffers damage to the vehicle due to an accident while driving the vehicle.

Vehicle insurance can be classified into basic insurance and additional insurance, of which additional insurance cannot be insured independently. Basic insurance includes third party liability insurance and vehicle damage insurance (vehicle damage insurance); Additional insurance vehicles include vehicle theft insurance (theft insurance), on-board liability insurance, no-fault liability insurance, on-board cargo falling liability insurance, glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and special insurance excluding deductibles. What we usually call compulsory traffic insurance (that is, compulsory insurance for motor vehicle traffic accident liability) also belongs to the third-party liability insurance in a broad sense, compulsory traffic insurance is a compulsory type of insurance, motor vehicles must be purchased to be able to drive on the road, annual inspection, and household, and in the event of a third-party loss needs to be claimed, must first pay compulsory traffic insurance and then pay other types of insurance.

Vehicle Damage InsuranceVehicle loss insurance refers to the loss of the insured vehicle itself caused by natural disasters (excluding **) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract. Third-party liability insurance is responsible for the compensation for the direct damage to the person** or property of another person (i.e., a third party) caused by an accident in the use of the insured vehicle. The full name of the whole vehicle theft rescue is the full name of the motor vehicle theft rescue.

Spontaneous Combustion Loss InsuranceSpontaneous Combustion Insurance, also known as "Vehicle Spontaneous Combustion Loss Insurance", is an additional insurance for vehicle damage insurance, and spontaneous combustion insurance can only be insured after the vehicle damage insurance is insured.