What types of insurance can be used for vehicles, and what types of insurance must be purchased for

What types of car insurance are available?

1.Compulsory traffic insurance.

Compulsory traffic insurance is a type of car insurance that is clearly stipulated by law. The premium of compulsory traffic insurance is generally 1,000 yuan per year.

2.Third Party Liability Insurance.

Whether it is a new car or an old car, this car insurance is also a must-buy car insurance type, and it is recommended to set the insurance amount between 20-500,000 yuan when purchasing.

3.Car damage insurance.

Car damage insurance mainly protects the risk of vehicle loss, and it is a type of insurance with a higher utility rate in car insurance, because regardless of driving skills, damage to the vehicle will inevitably occur during use, and car damage insurance can bear this part of the risk.

4.Deductible liability insurance is not included.

If you do not purchase deductible liability insurance, then after the vehicle is insured, the insurance company has 5%-20% of the insured amount can not be paid, and this kind of situation will not occur after purchasing deductible liability insurance. Liability insurance excluding deductibles is also a prerequisite for 100% coverage of car damage insurance and third party liability insurance.

Compulsory traffic insurance, third-party liability insurance, car damage insurance and deductible insurance are the types of insurance that must be purchased for car insurance, whether it is a new car, an old car, or a second-hand car, it is recommended to buy the above four car insurance.

How much is the required type of car insurance?

So how much do the above four types of car insurance cost? Here are the four must-buy car insurance coverages**.

1.Compulsory traffic insurance: 950 yuan.

2.Vehicle Damage Insurance: Vehicle Price*

3.Third Party Liability Insurance: Determined according to the amount insured (50,000:

666 yuan; 100,000: 961 yuan; 150,000: 1,097 yuan; 200,000:

1191 yuan; 300,000: 1,345 yuan; 500,000: 1,614 yuan; 1 million:

2102 yuan).

4.Excluding deductible insurance: (vehicle damage insurance + third-party liability insurance) * Other theft insurance, glass insurance, scratch insurance, seat insurance, etc. are basically hundreds of dollars in premiums. The first year of the new car commercial insurance is 95% off, and the discount will vary according to the size of the insurance situation in the future.

Car insurance must be purchased with compulsory traffic insurance, third-party liability insurance, car damage insurance, theft insurance, vehicle personnel liability insurance, scratch insurance, spontaneous combustion insurance, wading insurance, etc. Compulsory traffic insurance is a compulsory insurance in China, and all vehicles must be purchased as an insurance.

[Legal basis].Article 75 of the Road Traffic Safety Law of the People's Republic of China.

Medical establishments shall promptly rescue persons injured in traffic accidents, and must not delay treatment because rescue expenses are not paid in a timely manner. If the vehicle involved in the accident participates in the compulsory third-party liability insurance of the motor vehicle, the insurance company shall pay the rescue expenses within the liability limit; If the rescue expenses exceed the liability limit, and those who do not participate in the compulsory third-party liability insurance of motor vehicles or escape after the accident, the road traffic accident social assistance ** shall pay part or all of the rescue expenses in advance, and the road traffic accident social assistance ** management agency has the right to recover from the person responsible for the traffic accident.

Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law.

If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

1. Third-party liability insurance, which compensates for the losses of third parties caused by accidents, including property and personal injury, but does not include mental losses and various indirect losses.

Pay attention to two points: what is a third party, that is, a third party other than oneself and family. The second point is that the insurance company does not pay for mental damage and various indirect losses (lost work expenses, business suspension and other expenses).

Of course, if the insurance company does not pay, you can find the responsible person to claim through legal channels, don't think you are unlucky.

In the past, the vast majority of local ** listed third-party liability insurance as a compulsory insurance type, and if you don't buy this insurance, the motor vehicle will not be licensed and can not be inspected annually. After the introduction of compulsory motor vehicle traffic insurance (hereinafter referred to as compulsory traffic insurance), third-party liability insurance has become non-compulsory insurance.

Because the compulsory liability insurance is relatively low in terms of compensation for the property damage and medical expenses of the third party, the purchase of third-party liability insurance can be considered as a supplement to the compulsory liability insurance.

2. Car damage insurance, after a crash, you must buy it if you don't want to pay for it yourself and pay for repairing your own car. Generally speaking, if you take out this type of insurance, you can transfer 5% to 20% of the liability that you should be responsible for to the insurance company.

3. Vehicle loss insurance pays for the maintenance cost of your car after you crash. Including collisions, scratches (flakes, exclude scratches), flooding and fire (spontaneous combustion or fire), falling things from the sky (smashing glass and headlights alone is not compensated), losses caused by various natural disasters (except for **, terrorist attacks), and even losses caused by natural disasters during ferries (this is rare).

There are also two points to note here: first, there is no compensation for damage to the glass or exterior mirrors or tires (including wheels) alone. The second point:

There is no compensation for the loss of the engine due to the installation and modification, the loss of the contents of the vehicle and the flooding. Therefore, if the modified parts are very expensive, buy a new equipment insurance (not expensive), and the valuables should be put safely, and the wading insurance can compensate the engine.

4. Theft and rescue. If the car is stolen and the police file is not recovered after three months (some are 60 days), the insurance company will pay for it, but this must include depreciation and 20% of the absolute deductible. Note here that even if you buy a theft without deductible, you will have to deduct 20%, which is absolutely deductible.

The only thing that is necessary for car insurance is compulsory traffic insurance. There are many other commercial car insurances, which can be purchased according to your actual situation and needs, but car damage insurance, third party liability insurance and deductible insurance are best purchased.

So what exactly to buy, how to buy more cost-effective, anxious friends buy first read this article".What are the types of car insurance? Do you want to buy them all?

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which can give the victim a certain amount of compensation when we have a traffic accident.

Compulsory traffic insurance is a compulsory insurance purchased by the state, and the insurance company compensates the insured vehicle for the personal and property losses of the victim caused by a traffic accident on the road, and gives compensation within the liability limit.

Therefore, compulsory traffic insurance must be bought, if you don't buy it, you can't go on the road, you don't give it to the new car, and you can't pass the annual inspection.

1. Car damage insurance

Vehicle damage insurance is a type of commercial insurance that is responsible for compensating for the loss of the insured vehicle itself due to natural disasters and traffic accidents.

In layman's terms, it is to pay for your own car repair, if you don't buy it, when the vehicle is in an accident, you need to pay for repairs out of your own pocket, if you buy car damage insurance, the insurance company will pay for you to repair the car.

If you are a novice driver, or often drive in places with bad road conditions, it is recommended to buy car damage insurance, after all, you can save yourself a lot of money for car repairs, and also make driving more secure.

2. Third-party liability insurance

Third-party liability insurance refers to the compensation of the third party within the liability limit if an accident occurs during the insurance period and the third party suffers personal or property losses.

Since compulsory liability insurance is relatively low in compensating third parties for property damage and medical expenses, third-party liability insurance can be considered as a supplement.

3. Deductible insurance is not included

Insurance companies have a certain deductible amount for different types of insurance. For example, the deductible of car damage insurance is 15%, the deductible of third liability insurance is 20%, etc., and the deductible data of different companies will also be different. Therefore, the deductible insurance is generated, and the liability loss that the individual should bear is transferred to the insurance company again, so as to get a full compensation after the accident, and the individual can get the greatest protection.

It is important to note here that deductible insurance is a commercial add-on and cannot be insured separately.

The above three types of commercial auto insurance are recommended to buy, and other types of insurance can be selected according to the different needs of individualsBuy too much and waste, buy less and suffer a loss! How much does it cost to buy car insurance a year?

1. Must buy insurance.

1. Compulsory traffic insurance.

Compulsory traffic insurance does not need to be explained too much, and you will not be able to travel on the road without buying compulsory traffic insurance.

2. Third-party liability insurance

Third-party liability insurance, like compulsory liability insurance, is compensation for the injured third party, which is actually a supplement to the compulsory liability insurance. The payout amount of compulsory traffic insurance is limited and relatively low, with a maximum of 10,000 yuan. For third-party liability insurance, it is recommended to insure 50-1 million, and if the economic conditions are good, you can insure 1.5 million or higher.

3. Car damage insurance.

Car damage insurance is a kind of compensation for the loss of your own vehicle, and the premium of car damage insurance has a lot to do with the purchase of the car** and the number of seats. In other words, the higher the price, the higher the premium.

2. Vehicle full insurance refers to: compulsory traffic insurance + vehicle damage insurance + third-party liability insurance + deductible + vehicle personnel insurance, etc., and if conditions permit, you can also add theft insurance, glass insurance, body scratch insurance, and spontaneous combustion insurance.

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

2. Third-party liability insurance: Commercial third-party liability insurance refers to the direct loss of personal or property suffered by others due to the insurer's liability accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract.

3. Whole vehicle theft rescue: responsible for compensating for the personal damage of the personnel on the vehicle and the direct damage to the goods carried on the vehicle caused by an accident.

4. Separate glass insurance: During the parking or use of the vehicle, other parts are not damaged, only the glass is broken or broken alone, and the loss of the glass is compensated by the insurance company.

5. Spontaneous combustion loss insurance: the loss of the insured vehicle due to the failure of the circuit, line, and fuel supply system of the vehicle and the combustion of the goods carried by themselves.

6. Excluding deductible special insurance: The insurance company shall be responsible for the compensation caused by the insured accident caused by the vehicle damage insurance or the third-party liability insurance for the insured in the event of vehicle damage insurance or third-party liability insurance.

7. Liability insurance for personnel on the vehicle: If the vehicle accident causes the injury of the personnel on the vehicle, the insurance company shall be responsible for compensation.

Hello car insurance is divided into compulsory traffic insurance and commercial car insurance. Compulsory liability insurance is a compulsory insurance and must be purchased.

Commercial auto insurance includes third-party liability insurance, car damage insurance, theft insurance and vehicle personnel liability insurance, which are basic insurance, scratch insurance, spontaneous combustion insurance, wading insurance, and additional insurance such as deductible.

For car owners, in addition to compulsory traffic insurance is necessary to buy, commercial auto insurance in the third party liability insurance, car damage insurance these two types of insurance are very important, the loss of the vehicle after the accident, the compensation for the loss caused to the third party can be guaranteed by these two insurances. If the parking environment is not ideal, then theft insurance is also necessary.

In addition, if your family members often go out by car or do not have accident insurance, it is recommended to also purchase on-board personnel liability insurance.

If it is a new car, it is necessary to buy scratch insurance. If there is a lot of precipitation in your area, you should also purchase wading insurance.

The purchase of car insurance should be decided according to your own situation, and the above types of car insurance are what car owners should pay attention to.

Don't know what kind of car insurance to buy? The old driver comes to tell you that the owner will not suffer after reading it.

Car insurance is divided into commercial insurance and compulsory insurance, compulsory insurance is necessary to buy, commercial insurance has 4 main insurance, 1 car damage insurance, car damage insurance is simply your own car accident damage can find the insurance company to pay the corresponding assistant costs, 2 third party liability insurance is in the process of driving to cause other people's cars or people to receive losses or injuries, find the insurance company can pay the compensation within the corresponding scope of responsibility of the insurance company, 3 theft insurance to prevent being stolen and robbed, there is an insurance amount when buying theft insurance, According to the actual value of the compensation, 4 seat insurance, divided into two kinds of drivers and passengers, the car personnel injured and killed have a certain amount of insurance, the loss ratio is different according to the different insurance companies, the rest belong to the additional insurance, like what scratch insurance, wading insurance, can not find a third-party special insurance, spontaneous combustion insurance, glass broken insurance, new equipment insurance, depending on your specific situation,

Sorted out the "What kind of insurance must be bought for vehicles?" that everyone often pays attention to? ", as follows. It is necessary to buy compulsory traffic insurance, third-party liability insurance, car early damage insurance, deductible insurance, theft insurance, spontaneous combustion insurance and vehicle personnel liability insurance and other types of insurance that can be purchased according to their own needs.

Here's an introduction to car insurance:

1. Compulsory traffic insurance, as one of the insurance that must be purchased according to the provisions of the law, there is no doubt that such insurance must be purchased, and where the loss is caused to a third party, whether there is liability or not, whether it needs to be paid, then the insurance company needs to pay a certain amount of compensation to the parties, if not purchased, the vehicle is illegal on the road, in terms of premiums, the compulsory traffic insurance implements a unified national charging standard, and the main influencing factor is the "number of car seats";

2. Car damage insurance, car damage insurance is usually also necessary to buy, such as daily scratching and other problems, maintenance costs can be found by insurance companies to pay for reimbursement, especially after an accident, although this type of insurance is not mandatory by the state, but it is also very necessary for the owner to buy, because car damage insurance is the most used insurance in car insurance, if the vehicle has a traffic accident, the insurance company will compensate within a reasonable range;

3. The third liability insurance, this type of insurance is mainly to compensate for the loss of the other party's vehicle, there are a variety of insurance amounts to choose from when purchasing, and the owner can purchase according to his own economic situation and local traffic conditions;

4. Excluding deductible liability insurance, this type of insurance is mainly combined with car damage insurance and third-party liability insurance, the owner of the car in the process of using the car, if there is an accident, under normal circumstances, the insurance company will have 5%-20% of the insured amount will not be compensated, if you purchase the deductible liability insurance, it will not be so.

Millions of car purchase subsidies.