What types of car insurance are generally bought? What are the types of general car insurance to buy

Car insurance needs to be purchased on an as-needed basis based on individual circumstances. Otherwise, you either spent unnecessary money, or you didn't buy the services you should have bought. Different car insurance plans can be designed for different car owners, and the following four situations are provided for the majority of car owners for you to choose:

1. Novice + new car novice, as the name suggests, refers to the owner of the car with relatively short driving experience; A new car generally refers to a vehicle that is 6 months old. Due to the fact that novices have less driving experience, they are not very familiar with road conditions and other conditions, the probability of traffic accidents is higher, and the owner is more protective of the new car, so for the novice + new car, the following insurance combinations are recommended: Economical:

Vehicle Loss Insurance + Third Party Liability Insurance Comfort Type: Vehicle Loss Insurance + Third Party Liability Insurance + Theft Rescue Deluxe: Vehicle Loss Insurance + Third Party Liability Insurance + Theft Insurance + Driver's Seat Liability Insurance + Passenger Seat Liability Insurance + Glass Breakage Insurance + Body Scratch Insurance.

2. Novice + second-hand car For the combination of novice + second-hand car, it needs to be considered according to the new and old second-hand car and the degree of wear. If the car is older, there is not much depreciation value, the main risk is the risk of the third party, so you can only underwrite the third party liability insurance + driver seat liability insurance + passenger seat liability insurance three types of insurance, if the age of the car is moderate, there is a certain value, you can insure the above economy, plus a spontaneous combustion loss insurance. 3. Veteran + new car Because the veteran driver has more experience and the frequency of accidents is low, you can choose a combination of three types of insurance: third-party liability insurance + driver's seat liability insurance + passenger seat liability insurance.

Vehicle Loss Insurance + Third Party Liability Insurance Comfort Type: Vehicle Loss Insurance + Third Party Liability Insurance + Theft Insurance.

Fourth, the veteran + second-hand car for the combination of veteran + second-hand car, the risk is mainly third-party liability insurance, you can choose the basic type: third-party liability insurance + driver's seat liability insurance + passenger seat liability insurance.

There are four types of insurance that are mandatory in order to deal with accidents without having to pay for them out of pocket

1.Compulsory Insurance: Compulsory insurance is required by the state.

2.Car damage insurance: only compensate for your car, not for the loss of the other party in the accident.

3.Three-party insurance: only compensates for the losses of the other party (including people and things) in the accident, and does not compensate for your car.

4.Deductible Exclude: 100% full payout without discount.

Other types of insurance can be purchased or not according to your needs.

In general, in case you bump into a car along the way, you and the other party must have losses, your car is lost by the car damage insurance, the other party's loss is compensated by the third party, excluding the deductible is the insurance company pays the full amount according to the loss liability, these four insurances are bought, you don't have to pay for it, you can deal with the accident.

However, there are many car insurance policies on the market, and novices often don't know which one to choose. It is recommended that you get customers without worrying about the quality** Take a look, there are many 4S stores with discounts on car insurance, and you can shop around.

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.

Car insurance mainly buys compulsory traffic insurance; Third Party Liability Insurance and Vehicle Damage Insurance.

Compulsory traffic insurance is mainly used to avoid innocent injured people who cannot be compensated for 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 mainly protects the car, 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 protection responsibility, you can apply to the insurance company to pay 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 the protection responsibilities of the three-party insurance are the same as those of the compulsory liability insurance, the compensation amount of the three-party insurance is much higher than that of the compulsory liability insurance.

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.

According to the "Guiding Opinions on the Implementation of the Comprehensive Reform of Motor Insurance", the following three types of insurance can be purchased for general car insurance: motor vehicle loss insurance, third-party liability insurance, and vehicle occupant liability insurance, and the whole car theft insurance is merged into the car damage insurance liability.

Car damage insurance: When the vehicle is involved in an accident and causes the loss of the vehicle, the insurance company will pay compensation for the car damage pricing. Coverage includes: direct damages, losses caused by natural disasters, losses caused by accidents, losses caused by theft, robbery, robbery, rescue expenses.

Third-party liability insurance: When the vehicle collides and causes losses to three parties, the insurance company will set the price compensation according to the liability range determined by the traffic police.

On-board personnel insurance: When the vehicle is involved in an accident and the person on the vehicle is injured, the insurance company will compensate according to the amount of the vehicle personnel insurance purchased by the car owner.

First of all, the type of insurance that must be purchased is compulsory traffic insurance, and secondly, you can also purchase third-party liability insurance according to the owner's own needs and economic conditions.

and his sails.

Extended Information: Main Categories of Car Insurance:

1.Mobility insurance.

Motor vehicle insurance.

It is a kind of insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of insurance. Motor vehicle insurance can be divided into two categories: air regret and hail insurance and commercial insurance, and commercial insurance can be divided into two parts: basic insurance (also known as main insurance) and additional insurance. Motor vehicle insurance was born at the end of the 19th century, and the world's first motor vehicle insurance policy was issued by the British "Legal Accident Insurance Company" in 1895, with an insurance premium of 10 to 100 pounds.

single, but car fire insurance can be added on the condition of increasing the insurance premium.

2.Mobile 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, full vehicle theft insurance (theft insurance), and vehicle personnel liability insurance.

Driver Liability Insurance and Passenger Liability Insurance).

Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, vehicle cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, and no deductible.

Special insurance, etc. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured. On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

3.Compulsory traffic insurance.

The full name of compulsory traffic insurance is [compulsory insurance for motor vehicle traffic accident liability.

It is the first compulsory insurance system implemented by national laws and regulations in China.

Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability [hereinafter referred to as the "Regulations"

Provisions: Compulsory traffic insurance is a compulsory liability insurance that is compensated by the insurance company for the personal and property losses of the victim [excluding the personnel of the vehicle and the insured] caused by a road traffic accident of the insured motor vehicle within the liability limit. Earlier.

Under the following six circumstances, the compulsory traffic insurance can be surrendered: the insured motor vehicle has been deregistered in accordance with the law; The insured motor vehicle is suspended; The insured motor vehicle is confirmed to be lost by the public security organ; The policyholder repeatedly insures compulsory traffic insurance; The insured motor vehicle is resold, transferred, or given away to a place other than the place where the vehicle is registered; The new car is repossessed by the seller due to quality problems or the traffic management department does not accept the relevant technical parameters in accordance with national regulations.

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 fact that the insured vehicle suffers from natural disasters or accidents within the scope of insurance liability, causing losses to the vehicle, and the insurer will compensate for the loss caused by a contract. 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, the car shouts a traffic accident, the accident caused by the third party injury or property damage, 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 the compulsory insurance of the sail shed, the owner can purchase it voluntarily, and there is no need to buy some insurance that is not used.

7. Online insurance and manual insurance are the same.

Types of car insurance generally bought:1Third Party Liability Insurance; 2.

car damage insurance; 3.Deductible is not included; 4.seat insurance; 5.

No third-party special insurance; 6.Compulsory traffic insurance, etc. If the driver wants to go on the road reasonably and legally, he must buy compulsory traffic insurance.

The first-year premium of the new compulsory insurance is still 950 yuan and 1,100 yuan, and the subsequent premiums need to be adjusted according to the situation of vehicle traffic accidents.

No matter how the amount of compulsory insurance is adjusted, the amount of compensation is still relatively small, and sometimes the car owner needs to pay for it himself. For example, in the event of a traffic accident that causes serious injury, and the medical expenses and dismemberment are very high, then the third-party liability insurance can play a role, and the insurance limit of the third-party liability insurance is higher. After the reform of car damage insurance, compensation can be paid in almost all cases.

After the car damage reform, the insurance combines some of the original additional insurance, so it is strongly recommended that drivers purchase car damage insurance. The amount insured and premium for car damage insurance depends on the new vehicle** and the age of the vehicle, and rates may vary from insurer to insurer. When you buy insurance for a new car, the amount of insurance is the highest, and it may even be the same as a naked car**, but at the same time, the insurance premium is also relatively high.

In the event of a traffic accident and the person in the vehicle is injured, the on-board occupancy liability insurance can help cover medical expenses. The insurance amount of on-board personnel liability insurance is 10,000 yuan, and the cost of purchasing insurance is about 50-60 yuan.

Summary. Hello (* Kiss Third Party Liability Insurance, Car Damage Insurance, Deductible Insurance, Seat Insurance, No Third Party Special Insurance, etc.) 1.

When buying a car, you must buy insurance, and compulsory traffic insurance is a type of insurance that is mandatory to purchase under the National Traffic Safety Law, and it is a must-buy for every car. 2.Car owners should purchase appropriate commercial insurance according to their driving skills, economic situation, vehicle situation, etc.

3.The purpose and significance of compulsory traffic insurance is to provide basic protection for traffic accident victims.

Hello (* Kiss Third Party Liability Insurance, Car Damage Insurance, Deductible Insurance, Seat Insurance, No Third Party Special Insurance, etc.) 1.When buying a car, you must buy insurance, and compulsory traffic insurance is a type of insurance that is mandatory to purchase under the National Traffic Safety Law, and it is a must-buy for every car.

2.Car owners should purchase appropriate commercial insurance according to their driving skills, economic situation, vehicle situation, etc. 3.

The purpose and significance of the compulsory insurance for the elderly is to provide basic protection for traffic accident victims.

Tips: The insurance company is an economic organization that collects insurance premiums from the policyholder in accordance with the contract and bears the risk compensation responsibility of the policyholder after the accident, and has the professional risk management technology of early reform. There are more than 200 well-known insurance companies in China, including Ping An, Pacific, Sunshine, China Life, Dadi, Xinhua, Taikang, Renmin and Fude Life.