What does compulsory car insurance cover?

The compulsory insurance of the car includes the personal and property damage of the victim (excluding the person in the car and the insured), and the car is not cared.

Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability: Article 3 The compulsory insurance of motor vehicle traffic accident liability mentioned in these Regulations refers to the compulsory liability insurance that the insurance company shall compensate within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents of the insured motor vehicle.

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which 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.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

Compulsory liability insurance: It is also a third-party liability insurance, such as your car and other (car. People, animals.

After the collision, these people and objects are the third party, when the third party is often injured, you should pay the third party for the loss, this is the third liability insurance. The purpose of the compulsory traffic insurance formulated by the state is to worry that you will not have the ability to compensate after the accident, and the losses caused by it will not be satisfactorily handled.

What types of insurance are included in compulsory automobile insurance?

The types of insurance included in compulsory car insurance are as follows:

1. Compulsory traffic insurance, which is a kind of mandatory positive lead payment of car insurance, mainly protects the insured vehicle after the insured accident causes the victim's personal and property damage, the insurance company is liable for the compensation within the scope of the claim;

2. Commercial auto insurance.

What types of coverage are included in commercial auto insurance?

The types of insurance included in commercial auto insurance are as follows:

1. Vehicle damage insurance, which is used to compensate for the loss of the vehicle itself due to natural disasters and accidents;

2. Third-party liability insurance is used to compensate for the personal loss of the third party caused by the car owner;

3. Excluding deductible insurance, it is used to transfer the responsibility that the owner needs to bear to the insurance company to reduce the loss of the owner;

4. Theft insurance, which is used to compensate for the damage caused by theft, robbery and robbery of vehicles;

5. Liability insurance for on-board personnel, which is used to compensate for the losses caused by traffic accidents by drivers and passengers on the car;

6. Spontaneous combustion insurance, which is used to compensate for losses caused by vehicle electrical appliances, circuits and other reasons;

7. Glass breakage insurance, which is used to compensate for the separate breakage of vehicle windshield and window glass;

8. Body scratch loss insurance is used to compensate for the loss of scratches caused by man-made, malicious and driving accidents.

Legal basis: Article 3 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The term "compulsory insurance for motor vehicle traffic accident liability" in these Regulations refers to the compulsory liability insurance in which the insurance company compensates within the liability limit for the personal and property losses of the victims other than the insured and the victims caused by road traffic accidents of the insured motor vehicle.

Compulsory motor insurance covers material damage and bodily injury.

Compulsory automobile insurance is a compulsory insurance for motor vehicle traffic accident liability, which is a compulsory liability insurance for the insured motor vehicle and the victim's personal and property losses caused by road traffic accidents, and compensates within the liability limit. Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

When applying for insurance, the policyholder shall truthfully fill in the insurance policy, truthfully inform the insurance company of important matters, and provide a copy of the driving license and driver's license of the insured motor vehicle. When signing a compulsory traffic insurance contract, the policyholder shall pay all the insurance premiums at one time. There shall be no request to attach conditions to the insurance company in addition to the terms and rates of the insurance.

During the validity period of the insurance contract, if the degree of danger of the insured motor vehicle increases due to modification, addition, change in the nature of use, etc., the insured shall notify the insurance company in a timely manner and go through the approval procedures.

Che Qingsen compulsory insurance claims include: 1. Compensation for death and disability caused by insured accidents; 2. Compensation for the financial losses suffered by the insured due to the insured accident; 3. Compensation for medical expenses caused by traffic accidents; 4. The compensation limit of the insured's reputation for no fault in the insured accident. Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability If a road traffic accident occurs in an 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.

Article 23 Compulsory liability insurance for motor vehicle traffic accidents shall implement a uniform liability limit nationwide. The liability limit is divided into the compensation limit for death and disability, the compensation limit for medical expenses, the compensation limit for property damage, and the compensation limit for the insured who is not responsible in a road traffic accident.