Types and functions of car insurance, types and functions of car insurance

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.

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. 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.

The main insurances of automobile commercial insurance include: car damage insurance, three-party insurance, and vehicle personnel liability insurance.

1. Vehicle damage insurance: When the insured or its permitted driver uses the vehicle, if the insured accident causes damage to the vehicle, the insurance company can settle the claim within a reasonable range.

2. Vehicle personnel liability insurance: that is, seat insurance, which can mainly ensure that the insured vehicle has an insured accident and causes the vehicle to be human, and the insurance company can solve the claim.

3.Third-party insurance: It mainly covers the personal and property losses caused by the third party after the occurrence of the insured accident.

4. Additional absolute deductible: It belongs to commercial auto insurance, and you can choose an additional amount for the purchase of three liability insurance, car damage, and seat insurance, and the absolute deductible is 0%-20%.

5.Additional Separate Wheel Loss Insurance; It is a commercial car insurance that compensates for the loss of wheels.

6. Increase insurance for loss of new equipment; It is a commercial car insurance, such as modifying sofas and other parts can be compensated.

7.Additional vehicle scratch insurance; It is a commercial car insurance that compensates for scratches on the vehicle with no obvious signs of collision.

8.Reimbursement insurance for costs during additional repairs; It is a commercial car insurance, and a certain subsidy is given every day during the maintenance period to compensate for the loss of lost work.

9.Additional vehicle cargo liability insurance; It is a commercial vehicle insurance that compensates for the loss of goods loaded on the vehicle.

10. Moral injury solatium liability insurance; It is a commercial car insurance, which can compensate the other party for mental damages.