What are the four main insurances for a new car and what are the four main insurances for buying a c

As follows: 1. Motor vehicle loss insurance: motor vehicle loss insurance is the car damage insurance that we often hear in daily life, the so-called car damage insurance, that is, the owner in the process of driving, because of the accident caused by all or part of the loss of the vehicle, the insurer shall be compensated in accordance with the insurance contract.

2. Motor vehicle third-party liability insurance: refers to the economic responsibility that the insured or its permitted driver shall bear by the insured in accordance with the law in the event of an accident in the process of using the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company shall be responsible for compensation.

3. Motor vehicle theft insurance: motor vehicle theft insurance refers to the fact that the insured vehicle has been stolen, robbed or taken away, and the public security investigation department has not found out its whereabouts after 60 days, and the compensation of these companies can be obtained in accordance with the provisions of the contract.

4. Liability insurance for personnel on the vehicle of the airborne motor vehicle: If you buy the liability insurance for the personnel on the car, whether it is the driver or the passenger on the car, as long as the accident occurs during the use of the car and suffers personal injury, the insurer will compensate according to the provisions of the contract.

Insurance that should be purchased for a new car:

One. Compulsory traffic insurance.

Compulsory traffic insurance is a compulsory insurance in China, and all vehicles must be purchased as an insurance. In the event of a traffic accident, the insurance company can only accompany the party who was hit, which means that the conditions for compensation are limited. At the same time, if you do not buy compulsory traffic insurance, then the car will lose the qualification for annual inspection, therefore, it is not possible to buy compulsory traffic insurance.

Two. Third Party Commercial Liability Insurance.

Most car owners will choose to insure compulsory traffic insurance and third-party insurance. Since the amount of compensation paid by the compulsory liability insurance is limited, the purchase of the third insurance can compensate for the excess of the compulsory liability insurance. Even if there is an accident, then you can get a more reasonable amount of compensation for the loss of the car.

Three. Deductible not included.

Compared with the first two, car insurance is a basic type of insurance with independence, and insurance without deductible is an additional type of additional insurance for cars. Its effect is that if you have an accident to compensate for the cost of 1000 yuan, the insurance company will normally compensate you for 80% of the loss of 800 yuan, if you buy the deductible insurance, then you will transfer the remaining 20% of the amount you want to compensate to the insurance company, that is, you can get 100% of the compensation.

Four. Car damage insurance.

Car damage insurance is undoubtedly a necessary insurance with the widest scope of claims, regardless of the car has been damaged, such as collision, scratches, water soaking, etc., you can get the insurance company's claim, and the amount of compensation ultimately depends on the cause of the incident, the extent of the damage and many other conditions to judge.

Compulsory traffic insurance. This is the insurance that must be purchased according to the state, and if you don't buy it, the traffic police will have to withhold the fine. The insurance does not pay much, mainly for others, and does not pay for your own car.

Third Liability Insurance.

In the accident, if the accident causes direct damage to other people** or property other than the driver and passengers, the insurance company stipulates compensation. The insurance company can compensate in full, and if it is its own full liability, the insurance company has a 20% deductible.

Car damage insurance. Car damage insurance is paid to oneself, especially for novices, it is inevitable to scratch and scratch, and buying this insurance can reduce their own losses.

Deductible not included.

This kind of insurance is a supplementary insurance, and in many accidents, the insurance company has a 5-20% deductible in the compensation, and if you buy a deductible insurance, you can avoid these deductibles and get full compensation.