What types of home car insurance are generally purchased?

1. Third-party liability insurance, which compensates for the losses of third parties caused by accidents, including property and personal injury, but does not include mental losses and various indirect losses.

Pay attention to two points: what is a third party, that is, a third party other than oneself and family. The second point is that the insurance company does not pay for mental damage and various indirect losses (lost work expenses, business suspension and other expenses).

Of course, if the insurance company does not pay, you can find the responsible person to claim through legal channels, don't think you are unlucky.

In the past, the vast majority of local ** listed third-party liability insurance as a compulsory insurance type, and if you don't buy this insurance, the motor vehicle will not be licensed and can not be inspected annually. After the introduction of compulsory motor vehicle traffic insurance (hereinafter referred to as compulsory traffic insurance), third-party liability insurance has become non-compulsory insurance.

Because the compulsory liability insurance is relatively low in terms of compensation for the property damage and medical expenses of the third party, the purchase of third-party liability insurance can be considered as a supplement to the compulsory liability insurance.

2. Car damage insurance, after a crash, you must buy it if you don't want to pay for it yourself and pay for repairing your own car. Generally speaking, if you take out this type of insurance, you can transfer 5% to 20% of the liability that you should be responsible for to the insurance company.

3. Vehicle loss insurance pays for the maintenance cost of your car after you crash. Including collisions, scratches (flake wounds, excluding scratch suspicion), flooding and fire (spontaneous combustion or fire), falling objects from the sky (no compensation will be paid for smashing glass and headlights alone), and losses caused by various natural disasters (except ** and terrorist attacks).

Car damage insurance. Driver and occupant insurance.

Third liability insurance, excluding deductible insurance.

The above are a must. You can also choose between theft insurance, glass damage insurance, and spontaneous combustion insurance.

There are generally 5 types of insurance in household car insurance, which are compulsory insurance, commercial insurance, car damage insurance, vehicle personnel liability insurance and special clauses without deductible odds.

Compulsory traffic insurance] 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 victim (excluding the vehicle personnel and the insured) caused by the road traffic accident of the insured motor vehicle within the liability limit.

Commercial Three-Party Insurance].

The meaning of third-party commercial liability insurance refers to the accident that occurs in the process of using the insured vehicle by the insured or its permitted legal driver, resulting in direct damage to the third party's personal ** or property, and the insured shall bear economic responsibility and the insurance company shall be responsible for compensation according to law. Since the introduction of compulsory liability insurance, third-party liability insurance has become an optional insurance and can be used as a supplement to compulsory liability insurance.

Car damage insurance] Car damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident while the insured or the driver allowed by the insured or its permitted driver while driving the insured vehicle.

Liability insurance for people on board].

The liability insurance of the vehicle personnel is the main insurance of the vehicle commercial insurance, and its main function is to compensate the vehicle for the insurance of the people in the car caused by traffic accidents, and the insurance amount of each seat is generally 1-50,000 yuan. Liability insurance is very important for car owners, because the people in the car are generally important people around them, and it is also necessary to buy an insurance for them.

Excludes the special clause of the free odds].

Special insurance excluding deductibles refers to the special clause excluding deductibles in car insurance, which is a kind of commercial additional insurance. This type of insurance usually refers to a kind of insurance that the insurer is responsible for compensating for the part of the deductible that should be borne by the insured after the occurrence of an insured accident calculated according to the deductible calculated according to the terms of the main insurance corresponding to the insurance.

1. Priority to purchase sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

2. The insurance amount of the three-party 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 Hubei may exceed 600,000 yuan. It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

3. After buying enough car personnel insurance, then purchase car damage insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers. If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

4. After purchasing car damage insurance, buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, 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 insurance liability, you can apply to the insurance company for compensation for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

5. Purchase deductible insurance for three-party insurance, driver's passenger seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

6. Other types of insurance can be purchased selectively according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

Please add a detailed explanation.

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 you!

Household car base insurance generally buys compulsory traffic insurance and commercial car insurance.

1. Compulsory traffic insurance.

All vehicles must purchase compulsory vehicle insurance, and those who do not buy compulsory traffic insurance will be punished for going on the road;

2. Commercial auto insurance:

Including car damage insurance, third-party liability insurance, vehicle personnel liability insurance and its additional insurance, respectively, the vehicle itself, the accident third party and the vehicle personnel to provide protection, additional insurance has absolute deductible, scratch insurance, etc., can be supplemented on the basis of the three main insurance.

Things to note when buying car insurance:

1. Don't get out of insurance when buying car insurance.

2. Pay attention to the purchase time, generally you can buy car insurance after the new car gets the certificate, and the car insurance should be purchased within one month after the expiration of the car insurance of the previous year.

3. Choose the appropriate insurance project according to the individual's financial situation.

4. Choose the right insurance company.

5. Inquire about the terms of car insurance, such as some basic terms, exemption clauses, etc.

6. When purchasing car insurance, check the terms of the claim, such as the speed of the claim, whether the compensation is paid first and then the car is repaired. <>

The vehicle only needs to be insured with compulsory traffic insurance when it is on the road.

However, it is also necessary to purchase third-party liability insurance with a higher amount of insurance in commercial auto insurance, car damage insurance that covers damage to the body and its parts, and an additional 100% compensation without deductible.

1. Compulsory traffic insurance: It is a compulsory insurance stipulated by national laws, and if you do not pay compulsory traffic insurance, you will be deducted points and fines if you are found.

2. Third party liability insurance: used to compensate for the personal or property damage of the third party caused by the process of driving the vehicle.

3. Car damage insurance: The effect is that your car is seriously damaged in an accident, and the insurance company can compensate you for part of the repair costs.

4. Excluding deductible insurance: It is an additional type of insurance, which is an additional deduction based on third-party liability insurance.

You rear-end someone else's luxury car and need to compensate 100,000 yuan, and you buy a certain amount of deductible, then the insurance company needs to pay the corresponding proportion of the amount, and the rest is borne by yourself, and the role of excluding deductible is actually relatively large.

In addition to the above 4 types, others can be purchased according to individual needs and financial conditions.

In short, the source of the fire should be reasonably matched, so as to reduce the risk and achieve the purpose of saving money.