What does vehicle insurance cover? What is included in car insurance

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle damage insurance and third party liability insurance.

Compulsory traffic insurance, that is, compulsory insurance for motor vehicle traffic accident liability, is an insurance that is compulsory to be purchased by the state. Motor vehicles must purchase compulsory traffic insurance before they can be on the road, annual inspection, and listing, and in the event of a third-party loss that needs to be claimed, the compulsory traffic insurance must be paid first and then other types of insurance.

Commercial insurance is a non-mandatory insurance that can be purchased by car owners according to the actual situation.

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.

There are eight types of commercial insurance: 1. Car damage, (regardless of unilateral or two-party accident repair), 2. The three insurances are the part that cannot be covered by the additional compulsory traffic insurance, and the insurance amount varies from 5, 100,000 yuan. 3. Theft insurance (that is, if the car is stolen for three months and cannot be found, the insurance company is responsible for paying for it), 4 glass insurance (that is, the glass is damaged alone), 5 wading insurance (that is, the engine is flooded), 6 scratch insurance (that is, the scratches on the body alone), 7 natural insurance (that is, the car itself is on fire), 8 not counting the deductible (that is, the additional insurance for each type of insurance, 100% paid), and compulsory traffic insurance is required.

Auto insurance mainly includes compulsory traffic insurance and commercial insurance, as follows:

1. Compulsory traffic insurance: the insurance purchased by the state is compulsory, mainly for the protection and compensation of third-party personnel and property losses in the accident, with a premium of 950 yuan per year;

2. Commercial insurance: The types of insurance selected by the car owner mainly include car damage insurance, third-party liability insurance, deductible insurance, full vehicle theft insurance, vehicle personnel liability insurance, spontaneous combustion insurance, scratch insurance, glass breakage insurance, etc., the premiums of different types of insurance are different and affected by the amount insured.

Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish a social insurance system of basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

The types of car insurance include compulsory traffic insurance and commercial car insurance, and commercial car insurance can be divided into car damage insurance, third-party liability insurance, vehicle personnel liability insurance and additional insurance. Among them, there are 11 additional insurances: absolute free odds special clauses, separate wheel loss insurance, new equipment loss insurance, body scratch loss insurance, repair period expense compensation insurance, engine water damage exclusion special clauses, vehicle cargo liability insurance, mental damage solatium liability insurance, statutory holiday limit doubling insurance, medical expenses liability insurance outside medical insurance, and special provisions for motor vehicle value-added services.

The types of car insurance we often purchase are: compulsory traffic insurance, third-party liability insurance, vehicle loss insurance, glass breakage insurance, spontaneous combustion insurance, excluding deductible odds, scratch insurance, car seat liability insurance, car theft insurance, etc.

<> car insurance refers to a kind of insurance in which the insurance company compensates the insured for the economic losses borne by the insured in accordance with the terms of the insurance contract when the vehicle has an accident. The must-have items for car insurance are:

1. Compulsory traffic insurance: Compulsory traffic insurance refers to compulsory automobile traffic accident liability insurance, which is a necessary item in automobile insurance and the most important item in automobile insurance. The scope of liability of compulsory traffic insurance includes: vehicle damage, personal injury liability, third party property damage liability, etc.

2. Vehicle damage insurance: Vehicle damage insurance refers to an insurance company that compensates for the loss of the insured vehicle in the event of an accident in the insured vehicle according to the insurance contract. The scope of liability of the car damage insurance includes:

The cost of the loss of the insured vehicle in the event of an accident and the cost of the loss of the insured vehicle in the event of an accident in the insured vehicle.

3. Third-party liability insurance: Third-party liability insurance refers to an insurance that the insurance company compensates for the losses of the third party in the event of an accident in the insured vehicle according to the insurance contract. Third Party Liability Insurance covers the following:

In the event of an accident in the insured vehicle, the third party's liability for personal injury, the third party's liability for property damage, etc.

4. Theft insurance: Theft insurance refers to an insurance company that compensates for the loss of the insured vehicle in the event of theft and robbery of the insured vehicle according to the insurance contract. The scope of liability for theft insurance includes:

The cost of the loss of the insured vehicle in the event of theft of the insured vehicle, and the cost of the loss of the insured vehicle in the event of theft of the insured vehicle.

5. Separate glass breakage insurance: Glass breakage insurance refers to an insurance company that compensates for the loss of the insured vehicle in the event of glass breakage and loss of the insured vehicle according to the insurance contract. The scope of liability for glass breakage insurance includes:

The cost of the loss of the insured vehicle in the event of glass breakage in the insured vehicle, and the cost of loss of the insured vehicle in the event of glass breakage.

6. Spontaneous combustion loss insurance: Spontaneous combustion loss insurance refers to an insurance company that compensates the insured vehicle for the loss of the insured vehicle in the event of spontaneous combustion according to the insurance contract. The scope of liability of the Spontaneous Combustion Loss Insurance includes:

The cost of the loss of the insured vehicle in the event of spontaneous combustion of the insured vehicle, as well as the cost of loss of the insured vehicle in the event of spontaneous combustion of the insured vehicle.

The above is the introduction of the necessary items of car insurance, when buying car insurance, you should choose the insurance item that suits you according to your actual situation to ensure your own safety.

Auto insurance includes compulsory traffic insurance, third-party liability insurance and car damage insurance. The next mega macro is the introduction of the car inclusive guess beam insurance:

Vehicle Damage Insurance:

Vehicle damage insurance refers to the loss of the insured vehicle itself caused by natural disasters (excluding cave transportation**) or accidents within the scope of insurance liability, and the insurer shall compensate in accordance with the provisions of the insurance contract.

Third Party Liability Insurance:

Commercial third-party liability insurance refers to the direct loss of personal injury or property caused by the insurer's liability accident, and the insurer compensates according to the provisions of the insurance contract.

Glass only risk:

During the parking or use of the vehicle, some parts are not damaged, but the glass is broken or broken alone, and the loss of the glass is compensated by the insurance company.

Millions of car purchase subsidies.