What types of insurance are generally covered by car insurance, and what types of insurance are avai

The three common types of car insurance are: compulsory traffic insurance, car damage insurance, and third-party liability insurance. Compulsory traffic insurance is a car insurance that is mandatory for the state to purchase, and it is a must-buy for every car on the road.

Car damage insurance is mainly used to protect the safety of automobile property, and third-party liability insurance is used to protect the life or property safety of others.

Tips: The above information is for reference only. If you need to consult Ping An Insurance, you can call Ping An Life 95511-1, Ping An Auto Insurance, Property Insurance, Accident Insurance 95511-5, and Ping An Pension Group Insurance 95511-6.

1.Auto insurance mainly includes compulsory traffic insurance and commercial insurance.

2.Compulsory traffic insurance is compulsory to be purchased by the state. Compared with compulsory traffic insurance, commercial auto insurance is purchased by the car owner himself.

3.Commercial insurance includes liability insurance, three insurances, wading insurance, and theft insurance.

4.In general, it is best to purchase compulsory traffic insurance, third-party liability insurance, shipboard personnel liability insurance, no deductible insurance and other insurance. The choice of car insurance company, if your car often goes out for long distances, then you should try to choose a relatively large insurance company like PICC and Ping An to insure.

5.Because this type of insurance company has branches all over the country, if you encounter trouble, you can immediately handle the local damage assessment claim. If your car is new, if the price of the car is relatively high, you can choose car insurance from a large company.

6.Because the more expensive the car, the higher the repair cost. In the event of an accident, the greater the financial pressure that may be exerted, and the compensation amount of the large company will be relatively higher, and the level of the designated repair shop will be higher.

There are types of car insurance, such as compulsory traffic insurance, vehicle loss insurance, third-party liability insurance, full vehicle theft insurance, and body scratch insurance. The full name of compulsory traffic insurance is compulsory motor vehicle traffic accident liability insurance, and the owner or manager of the motor vehicle shall take out insurance in accordance with the law.

[Legal basis].Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.

Article 3 The term "compulsory liability insurance for motor vehicle traffic accidents" mentioned in these Regulations refers to the compulsory liability insurance in which the insurance company compensates the insured motor vehicle for the personal and property losses caused by road traffic accidents other than the insured and the victims within the liability limit.

1. Compulsory traffic insurance, which solves the basic guarantee, is a kind of basic security, which is equivalent to the medical insurance of life insurance. However, the compulsory traffic insurance does not protect itself, but the losses caused to the third party. Depending on whether you are responsible for the accident or not, the amount of compensation for compulsory traffic insurance is different.

For example, if the other party dies due to traffic, if you are not responsible, you can only pay 10,000 yuan; If you are responsible, you can only pay 110,000 at most. Even the minimum standard of Heilongjiang has reached 710,000 yuan, so the protection of compulsory traffic insurance is only better than nothing, in fact, it is far from enough. 2. Commercial auto insurance, more comprehensive protectionIf you want to get more adequate protection, you need to match commercial auto insurance.

However, commercial insurance generally includes 4 main insurances and 11 additional insurances, and the terms are very complex. On the one hand, commercial insurance is very comprehensive, basically you can think of risks can be insured, but on the other hand, it is very complex, and it is easy for ordinary consumers to be confused after reading it. Therefore, many people buy commercial insurance casually, and others say they buy it when they say it is good, and they have no ability to distinguish rationally.

As the saying goes: it's easy to buy a car, but it's hard to keep a car. Among the various car maintenance expenses, car insurance can be said to account for a relatively large part of the expenditure, often tens of thousands of premiums, which makes people's wallets tight.

What is a headache is that there are so many options for car insurance, **high large companies, **cheap small companies, each seems to be good in its own way, I really don't know how to choose. What's even more infuriating is that I finally made up my mind to buy it, but I found that others are more cost-effective than my own ones, and it is more cost-effective! So it's really interesting to buy car insurance.

Motor vehicle insurance, also known as automobile insurance (referred to as car insurance), refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents caused by natural disasters or accidents.

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.

Hope it can be adopted by you!

Car insurance mainly buys compulsory traffic insurance; Third Party Liability Insuranceand vehicle damage insurance.

Compulsory traffic insurance is mainly used to avoid innocent injured people who cannot be compensated, and it is 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. The main protection is the car, whether it is a small scratch inadvertently in daily life, or a serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation 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 all three are indemnified.

The protection liability is the same as that of compulsory liability insurance, but the amount of compensation paid out by the three insurance is much higher than that of compulsory liability insurance.

There are generally these types of car insurance: 1. Compulsory traffic insurance: Compulsory traffic insurance is a kind of compulsory insurance, and it cannot be listed on the road without buying.

2. Third-party liability insurance: The third party liability insurance is a supplementary insurance for compulsory traffic insurance, which mainly compensates the third party who is injured in the accident.

3. Car damage insurance: Car damage insurance mainly protects the body of the car itself, and if the car is damaged, you can apply for compensation.

4. On-board personnel insurance: On-board personnel insurance is an accidental medical insurance purchased for passengers on the bus, which mainly protects the health of the passengers in the accident.

5. Other additional insurance: If the vehicle is more expensive, you can also purchase theft insurance, glass insurance, body scratch insurance, spontaneous combustion insurance, etc.

1. Compulsory traffic insurance

The first is compulsory traffic insurance. Compulsory traffic insurance is a compulsory insurance that must be purchased for motor vehicles. This is the compensation by the insurance company for the damage caused by the accident of the insured motor vehicle and the Internet.

This is a must for our car owners and friends, and they cannot be released from insurance at will. Once you get out of bail, you are breaking the law.

2. Car damage insurance

Vehicle damage insurance refers to the insured vehicle suffering from natural disasters or accidents within the scope of insurance liability, causing losses to the vehicle, and the insurer will compensate for the loss of the vehicle. But natural disasters here are included. If our car owners take care of their cars, they should give their cars a car damage insurance.

3. Third party liability insurance

This insurance is referred to as "three liability insurance". It means that our car owner or permitted qualified driver, in the process of using the car, has a traffic accident, accident resulting in injury to a third party or damage to property, by the insurance company to compensate. The limit of this insurance is chosen by our car owner, i.e. the insured himself.

Car owners can choose 50,000, 100,000, 150,000, 200,000, 300,000, 500,000 and 1 million. Our car owners can choose according to their actual situation.

4. Liability insurance for on-board personnel

This insurance, also known as "seat insurance" or "seat insurance", is responsible for paying for injuries caused by the car to the person in the designated seat on the car. Our car owners can set a compensation limit for each seat as needed. This insurance is equivalent to accident insurance.

Purchase Considerations.

Second, if the vehicle is insured once, there will be no discount.

3. Pay attention to fraud**, it is best to go to a regular insurance company, shop around, and choose the most cost-effective insurance company to insure.

Fourth, the insurance must be in full.

5. Duplicate and over-insured are not cost-effective.

6. Car insurance renewal should be reasonably matched with insurance types. In addition to compulsory traffic insurance, car owners can voluntarily purchase it, and there is no need to buy some insurance that is not used.

7. Online insurance and manual insurance are the same.