What are the main types of vehicle insurance, and what types of insurance are generally bought for v

Car insurance mainly buys compulsory traffic insurance; Third Party Liability Insurance and Vehicle Damage Insurance.

Compulsory traffic insurance is mainly used to avoid innocent injured people who cannot be compensated for a kind of insurance that the state compulsorily buys, commonly known as "subsistence insurance" in the industry.

If you don't buy it, the direct consequence is that you will be caught by the traffic police, and you will be fined double the premium + detain the car.

Car damage insurance mainly protects the car, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of protection responsibility, you can apply to the insurance company to pay for repair costs.

Third-party liability insurance is a service for third parties, mainly to protect the personal and property damage of third parties in traffic accidents. Although the protection responsibilities of the three-party insurance are the same as those of the compulsory liability insurance, the compensation amount of the three-party insurance is much higher than that of the compulsory liability insurance.

Risk Management & Insurance Planning What is Vehicle Insurance?

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 caused by 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. Glass Seller Separate Insurance: In the process of parking or using the first teaser, the other parts of the vehicle 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.

To buy insurance, you need to know which ones are sold and which ones are not used to buy it.

Regarding the landlord's concern about "what are the main types of vehicle insurance?" "Here's my personal opinion:

The main items to buy for vehicle insurance:

1. Compulsory traffic insurance, compulsory traffic insurance does not need too much explanation, and you cannot travel on the road without buying compulsory traffic insurance;

2. Third-party liability insurance is the same as compulsory liability insurance, which is compensation for the injured third party, in fact, it is a supplement to the compulsory liability insurance, the compensation amount of compulsory liability insurance is limited and relatively low, at most 10,000, for third-party liability insurance, it is recommended to insure 50-1 million, if the economic conditions are good, you can insure 1.5 million or higher insurance amount;

3. Car damage insurance is a kind of compensation for the loss of your 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.

The main items to buy for vehicle insurance: 1. Compulsory traffic insurance, compulsory traffic insurance does not need too much explanation, and you cannot travel on the road without buying compulsory traffic insurance; 2. Third-party liability insurance is the same as compulsory liability insurance, which is compensation for the injured third party, in fact, it is a supplement to the compulsory liability insurance, the compensation amount of compulsory liability insurance is limited and relatively low, at most 10,000, for third-party liability insurance, it is recommended to insure 50-1 million, if the economic conditions are good, you can insure 1.5 million or higher insurance amount; 3. Car damage insurance is a kind of compensation for the loss of your 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.

Vehicles are generally purchased with compulsory traffic insurance and commercial insurance, and commercial insurance includes car damage insurance, three-party insurance, and deductibles. The details are as follows:

1. Vehicle and vessel tax for compulsory traffic insurance; Compulsory traffic insurance vehicle and vessel tax is after buying a car, can ensure that the vehicle on the road minimum standard of insurance, but also the state mandatory insurance must be on the insurance, not the insurance company to collect, unless you buy a car on the road to pay tribute can not pay, its scope of claims: all the losses caused to the third party (except the car, the person on the car), regardless of whether the responsibility is within the scope of the compulsory traffic insurance, the maximum compensation amount is 2000 yuan;

2. Vehicle damage insurance; Car damage insurance is vehicle damage insurance, which is the most basic type of protection insurance to protect your car from loss; For example, the losses caused by accidents and natural disasters such as hitting power poles and smashing cars in hail are within the scope of car damage insurance claims, but one thing to know is that the insurance company will not claim for the losses caused by natural disasters to vehicles;

3. Third-party liability insurance; Third-party liability insurance can be said to be the most worthwhile insurance among all types of vehicle insurance, when you are fully responsible, for example, crashing someone else's car or accidentally hitting a pedestrian, the vehicle maintenance costs and personnel medical expenses incurred at this time are all covered by the third-party liability insurance you purchased;

4. Deductible is not included; Regardless of the full name of the deductible does not count the deductible special regulations, many people do not understand what the deductible is for, generally speaking, the deductible is also a welfare insurance, only with this insurance, in the event of an accident in the vehicle, in order to be responsible for their own responsibility for 5 to 20 compensation liability transferred to the insurance company, but not deductible needs to have"Primary Insurance"It can only be insured under the premise and cannot be purchased separately.

Vehicle insurance is mainly suitable for compulsory traffic insurance, third-party liability insurance, vehicle loss insurance and full vehicle theft insurance. The detailed analysis is as follows: 1. Compulsory traffic insurance, the full name of compulsory traffic insurance is"Compulsory insurance for motor vehicle traffic accident liability"It is a compulsory liability insurance that is compensated by the insurance company within the liability limit for the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by a road traffic accident of the insured motor vehicle, and is a mandatory insurance that must be purchased; 2. Third-party liability insurance, third-party liability insurance refers to the economic responsibility that the insured or its permitted driver shall bear in accordance with the law if an accident occurs during the use of the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation.

At the same time, if the insured incurs arbitration or litigation costs with the written consent of the insurance company, the insurance company shall compensate beyond the liability limit, but the maximum shall not exceed 30 of the liability limit; 3. 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; 4. The insurance liability of the whole vehicle theft insurance and motor vehicle theft insurance is the reasonable cost of repairing the vehicle damage caused by the theft, robbery and robbery of the whole vehicle and the damage or loss of parts and accessories on the vehicle and ancillary equipment during the theft, robbery and robbery.