What is included in the basic car insurance and what is included in the basic vehicle insurance

Compulsory traffic insurance, car damage insurance, third-party liability insurance, theft insurance, and deductible insurance.

1. Compulsory traffic insurance: Compulsory traffic insurance is a compulsory liability insurance that the insurance company compensates the victim (excluding the vehicle personnel and the insured) for personal and property losses caused by road traffic accidents of the insured motor vehicle within the liability limit.

2. Vehicle damage insurance: mainly compensates for the loss of unilateral accident vehicles, but does not include the loss of glass breakage, the loss caused by parking, if the responsible person cannot be found, 30% of the loss will be compensated, and the collision accident will be paid according to the proportion of liability, and the increase will increase with the purchase of the vehicle.

3. Three insurances: the main scope of compensation is the same as that of compulsory insurance, but it must be compensated after the compensation of compulsory insurance, and the compensation shall be made according to the proportion of accident liability, and the premium** shall correspond to the corresponding premium according to the size of the insured amount.

4. Liability insurance for people on the car: The scope of compensation includes the medical expenses caused by the damage to the lock of the person on the car, ** according to the size of the insurance amount.

Purchase principle: 1. Priority to purchase sufficient third-party liability insurance.

The third party is the most important for all types of car insurance. After all, you can't drive a car if it's ruined, but you can't be exempted from compensation from others, and you should put the ability to compensate others for their losses in the first place when buying car insurance. Otherwise, the only thing that can be done is to sell the house first after the accident, or divorce to preserve the property, are you willing?

The premise of the above loopholes is that the other party has not applied for property preservation of your assets. Therefore, in order to avoid similar troubles, it is better to insure the third party insurance in full.

The insured amount of the second and third insurance should refer to the compensation standard of the location.

According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Beijing may be 800,000 yuan. For example, if the 2008 traffic accident pays full responsibility, one person dies, the deceased is 30 years old, and the Beijing city household registration is calculated as follows, and it is estimated that 600,000 yuan will be required.

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.

Compulsory traffic insurance--- This is the minimum protection to protect the basic rights and interests of others, such as hitting and killing someone, you can't afford to pay for the poor jingle and you don't have other insurance, compulsory traffic insurance gives the victim a little funeral expenses, and you have to pay the legal responsibility, which is a compulsory insurance.

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, robber insurance --- pay you for the car after it is robbed and stolen, and the depreciation of your car is calculated.

Driver Liability Insurance and Passenger Liability Insurance --- you are involved in an accident while driving, and you and the passengers next to you are injured.

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

Regardless of deductible--- more important types of insurance, such as your liability in a crash, only part of the car damage will be compensated to you, and with the deductible, you can be compensated in full.

The basic car insurance covers the following:

1. Compulsory traffic insurance;

2. Vehicle damage insurance;

3. Third-party liability insurance;

4. Theft and rescue;

5. Deductible insurance is not included.

Compulsory traffic insurance 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 caused by a road traffic accident of the insured motor vehicle.

car damage insurance; Mainly compensate for the loss of unilateral accident vehicles, but Fuzheng does not include the loss of Bohe cheating glass alone, the loss caused by parking, if the person responsible cannot be found, 30% of the compensation loss, the collision accident is paid according to the proportion of responsibility, **with the increase in vehicle purchase** and the increase in lack of regret.

Three-party insurance; The main scope of compensation is the same as that of compulsory insurance, but it can only be compensated after the compensation of compulsory insurance, and the compensation will be made according to the proportion of accident liability, and the premium** corresponds to the corresponding premium according to the size of the insured amount.

Car insurance mainly includes four basic insurances: compulsory traffic insurance, car damage insurance, three liability insurance, vehicle personnel liability insurance, and vehicle theft insurance.

1. Compulsory traffic insurance. 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 shall be compensated within the liability limit.

2. Car damage insurance. Responsible for compensating for vehicle damage caused by natural disasters and accidents during the use of the vehicle and necessary and reasonable rescue expenses.

3. Third party liability insurance. Responsible for compensating for the direct loss of personal or property suffered by a third party due to an accident during the use of the vehicle, and the amount of compensation payable by the insured in accordance with the law shall be compensated for the part that exceeds the compensation limit of each sub-item of the compulsory traffic insurance.

4. Liability insurance for on-board personnel. Responsible for compensating for the amount of compensation that the insured shall pay in accordance with the law in the event of an accident during the use of the vehicle, resulting in personal injury to the persons on the vehicle, and the insurer shall compensate after deducting the compensation that should be paid by the compulsory traffic insurance.

Fifth, the whole car theft. The insurer shall be responsible for compensating for the loss of the insured motor vehicle due to the following reasons during the use of the vehicle, and the insurer shall be responsible for compensation in accordance with the insurance contract.

The automobile-based insurance mainly includes compulsory traffic insurance and third-party liability insurance.

and vehicle damage insurance.

Compulsory traffic insurance is provided by the insurance company for the insured motor vehicle, in the event of a road traffic accident.

Compulsory liability insurance that causes personal and property losses to the victim and is compensated within the liability limit. Third Party Liability Insurance.

It refers to the economic responsibility that the insured or its permitted driver shall bear by the insured in accordance with the law if an accident occurs in the process of using the insured vehicle, resulting in direct damage to the person or property of a 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 the insured beyond the limit of liability, but the maximum shall not exceed 30% of the limit of liability. Vehicle damage insurance refers to the insured vehicle that suffers from a natural disaster within the scope of insurance liability.

or accidents, resulting in the loss of the insured vehicle itself, the insurer shall compensate in accordance with the provisions of the insurance contract.