What are the types of car insurance?

1.Auto insurance mainly includes compulsory traffic insurance and commercial insurance.

2.Compulsory traffic insurance is compulsory to be purchased by the state. Compared with compulsory traffic insurance, commercial auto insurance is purchased by the car owner himself.

3.Commercial insurance includes liability insurance, three insurances, wading insurance, and theft insurance.

4.In general, it is best to purchase compulsory traffic insurance, third-party liability insurance, shipboard personnel liability insurance, no deductible insurance and other insurance. The choice of car insurance company, if your car often goes out for long distances, then you should try to choose a relatively large insurance company like PICC and Ping An to insure.

5.Because this type of insurance company has branches all over the country, if you encounter trouble, you can immediately handle the local damage assessment claim. If your car is new, if the price of the car is relatively high, you can choose car insurance from a large company.

6.Because the more expensive the car, the higher the repair cost. In the event of an accident, the greater the financial pressure that may be exerted, and the compensation amount of the large company will be relatively higher, and the level of the designated repair shop will be higher.

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.

Types of Car Insurance:

Compulsory motor vehicle traffic accident liability insurance: It is a compulsory liability insurance that is compensated by the insurance company for the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by a road traffic accident caused by the insured motor vehicle within the liability limit. Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law.

Third-party liability insurance: refers to the amount of compensation that should be paid by the insured in accordance with the relevant provisions of the insurance contract due to the accident that occurs in the process of using the insured vehicle by the qualified driver allowed by the insured, resulting in direct personal loss or property loss to the third party.

Vehicle damage insurance: refers to the insured vehicle suffered from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer shall compensate according to the provisions of the insurance contract.

Motor Vehicle Theft Insurance: The insurance liability of motor vehicle theft insurance is the loss of the vehicle caused by the theft, robbery or robbery of the whole vehicle, as well as the reasonable expenses for repairing the damage or the loss of parts and accessories on the vehicle during the theft, robbery or robbery.

Separate glass breakage insurance: The insurance company is responsible for compensation for the separate breakage of the windshield and window glass of the vehicle.

Spontaneous combustion insurance: that is, the vehicle is attached to the spontaneous combustion loss insurance, it is an additional type of motor vehicle loss insurance, during the insurance period, the insured vehicle in the process of use, due to the vehicle circuit, line, oil circuit, oil supply system, the goods themselves problems, motor vehicle operation friction and disaster, resulting in the loss of the insured vehicle, and the insured in the occurrence of the insured accident, in order to reduce the loss of the insured vehicle and must spend reasonable rescue costs, the insurance company will compensate accordingly.

The full name is body scratch loss insurance: family self-use vehicles, non-business vehicles can be insured, which means that during the insurance period, the insured vehicle has no obvious collision marks on the surface of the paint scratched separately, 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.

Auto insurance is mainly divided into two parts: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is compulsory to purchase, so when we choose car insurance, we actually choose the commercial insurance part. The common types of commercial insurance are:

Car damage insurance (calculated according to the price and service life of the car), three insurances, and their respective ancillary deductibles. In addition, there are non-major types of insurance, such as spontaneous combustion insurance, wading insurance, falling object insurance, glass insurance, scratch insurance, etc.

The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability [hereinafter referred to as the "Regulations"] stipulate that compulsory traffic insurance is a compulsory liability insurance for the personal and property losses of the victims [excluding the vehicle personnel and the insured] caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

Types of vehicle insurance: commercial insurance and compulsory traffic insurance.

Auto insurance is divided into compulsory traffic insurance and commercial insurance. Insurance companies may engage in compulsory insurance for motor vehicle traffic accident liability. In order to ensure the liability for motor vehicle traffic accidents.

Car insurance, only buy these kinds of you can, compulsory traffic insurance is a must buy, commercial insurance only buy, excluding deductibles, third liability insurance, car damage can be.

Auto insurance is divided into two categories, namely commercial insurance and compulsory insurance, and the compulsory insurance itself is a type of insurance, which is compulsory and must be bought by the parties. There are many types of commercial insurance, including third-party liability insurance, vehicle loss insurance, car glass insurance, etc., which can be purchased selectively according to their own needs.

[Legal basis].Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.