What are the types of car insurance to buy, and which types of car insurance are generally purchased

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

There are two main types of auto insurance: compulsory traffic insurance and commercial insurance.

Compulsory traffic insurance is mandatory for the state Compared with compulsory traffic insurance, automobile commercial insurance is purchased by the car owner.

Commercial insurance includes liability insurance, three-party insurance, wading insurance, and theft insurance.

Under normal circumstances, it is best to purchase compulsory traffic insurance, third-party liability insurance, vehicle personnel liability insurance, and deductible 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.

Because such insurance companies have branches all over the country, they can immediately handle local damage assessment and claims settlement in case of trouble. If your car is new, you can opt for car insurance from a large company if the price is relatively high.

Because the more high-end the car, the higher the repair cost, once an accident occurs, the greater the economic pressure that may be undertaken, and the compensation amount of large companies will be relatively higher, and the level of the designated repair shop is also relatively high.

Compulsory traffic insurance is mandatory by the state.

Other common ones are three, car damage, car seat insurance, etc.

What types of car insurance are generally bought? If you want me to see that in addition to compulsory traffic insurance, you also need to pay a third party and car damage insurance, etc., these insurances must be insured.

In car insurance, compulsory traffic insurance is a must, and it is also recommended to buy car damage insurance, third-party liability insurance, deductible insurance, etc.

Compulsory traffic insurance is a must-buy, and third-party liability insurance and car damage insurance can be purchased optionally.

Car insurance generally buys compulsory traffic insurance, third-party liability insurance, and car damage insurance, which are basically OK.

Compulsory traffic insurance, must be bought, the first year 950, after the annual decrease can be as low as 655, car damage insurance, is after a traffic accident, the loss of your own car maintenance costs, 150,000 cars in about 1500, the annual depreciation of the car decreases, the last is the third party liability insurance, that is, you hit someone else, compensate others, generally will report 1 million or 2 million, around 1500, with no accidents every year, no violations, will also decrease.

Car insurance is mainly divided into compulsory traffic insurance and commercial car insurance, compulsory traffic insurance is the type of insurance that must be insured for each car, and commercial car insurance is selected according to the actual needs of the owner, mainly including third-party liability insurance, vehicle loss insurance, full car theft insurance, vehicle personnel liability insurance four main insurance, additional insurance mainly includes: spontaneous combustion insurance, scratch insurance, glass insurance, engine water insurance and deductible insurance.

In addition to the compulsory traffic insurance stipulated by national laws, you can also insure car damage insurance, commercial third-party insurance, and vehicle personnel liability insurance.

Purchase according to personal needs.

If the vehicle is often left at home and not driven, then don't buy insurance, and you don't need to buy compulsory traffic insurance If you feel that you are skilled in driving and will not have a car accident, you just need to buy a compulsory traffic insurance, If you are worried that you are not proficient and are worried about hitting a third party and causing injury to it, you can add 2 million to the three.

If you are worried about an accident in your vehicle, such as flooding, fire, or damage to your vehicle due to a car accident, you can purchase car damage insurance, and if you are worried about accidental injuries to the people in the vehicle, you can buy the corresponding liability insurance for the people on board.

In short, what to worry about, what kind of insurance to buy, don't worry about anything, and don't drive, you don't need to buy insurance, when to go on the road to buy a day in advance.

Compulsory traffic insurance is mandatory under the laws of our country, so everyone who has a car must buy it. Third-party liability insurance (referred to as three-liability insurance), this kind of insurance mainly protects the car from hitting someone else's car while driving, and the compensation money is completely paid by the insurance company. Car damage insurance refers to a kind of automobile commercial insurance that causes damage to the vehicle caused by an accident while driving the vehicle, and the insurance company compensates within a reasonable range.

In order to protect their rights and interests, the above is the insurance that car owners must purchase.

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 losses and ** caused by the accident of the insured motor vehicle. This must be bought, and it cannot be taken out of insurance at will. Once out of bail, it is against 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 according to the contract. But natural disasters here include**.

3. Third party liability insurance:

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

4. Liability insurance for personnel on board:

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. The owner can set a compensation limit for each seat as needed. This insurance is equivalent to accident insurance.

1. Car damage insurance: used to repair the loss of your own car caused by your own reasons.

2. Three-party insurance: used to compensate for the loss of the other party.

3. On the car. Occupant Insurance: Compensate for the loss of people in your car.

4. Theft insurance: It only refers to the theft of the whole car.

5. Glass insurance: there are no collision marks, and the glass is broken alone (such as being broken).

6. Scratch insurance: obvious man-made scratches on the car body (no need to be on-site).

7. Excluding deductible insurance: car damage, three, personnel, robbery, additional insurance of four types of insurance, do not buy this insurance, then these four types of insurance have 15% and 20% (robbery) free of charge.

8. Compulsory traffic insurance: compulsory three-party insurance, must be bought.

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 (flakes, exclude scratches), flooding and fire (spontaneous combustion or fire), falling things from the sky (smashing glass and headlights alone is not compensated), losses caused by various natural disasters (except for **, terrorist attacks), and even losses caused by natural disasters during ferries (this is rare).

There are also two points to note here: first, there is no compensation for damage to the glass or exterior mirrors or tires (including wheels) alone. The second point:

There is no compensation for the loss of the engine due to the installation and modification, the loss of the contents of the vehicle and the flooding. Therefore, if the modified parts are very expensive, buy a new equipment insurance (not expensive), and the valuables should be put safely, and the wading insurance can compensate the engine.

4. Theft and rescue. If the car is stolen and the police file is not recovered after three months (some are 60 days), the insurance company will pay for it, but this must include depreciation and 20% of the absolute deductible. Note here that even if you buy a theft without deductible, you will have to deduct 20%, which is absolutely deductible.

Car insurance is divided into must-buy and commercial auto insurance, while commercial auto insurance includes main insurance and ridersToday, I will give you a detailed introduction to what kinds of you need to buy.

Must buy insurance

Compulsory traffic insurance

Compulsory traffic insurance is a vehicle insurance that must be purchased under the mandatory requirements of the state, and the premium is uniformly stipulated by the state, the insurance liability is caused by a road traffic accident involving the insured motor vehicleVictimsCompulsory liability insurance for personal and property losses within the limit of liability.

To put it simply, it is the insurance that the state forces us to buy for our cars.

So how much can you pay for compulsory traffic insurance? What is the claims process? We can take a look at this article:Everything you want to know is here!

Primary Insurance

The main commercial auto insurance includes car damage insurance(car scraping),Third Party Liability Insurance(personal ** and property damage of a third party in a traffic accident).Liability insurance for people on board(Protect the lives of passengers and drivers on the car**).Full car theft insurance(The entire vehicle was stolen for more than 60 days).

Among them, car damage insurance and third-party liability insurance are recommended to be purchased, and the other two can be purchased on demand.

Riders

The commercial auto insurance rider generally includes the following 11 types:

Under normal circumstances, if a traffic accident occurs and the compensation for the accident exceeds the compensation limit of the third-party liability insurance or car damage insurance, then the insurance without deductible insurance can transfer 5%-20% of the compensation liability borne by yourself to the insurance company.

But it should be noted thatBuying deductible insurance does not equal 100% payoutWhy? Let's take a look at this article:What is deductible insurance?

You'll understand after reading it!

Other additional insurance owners can configure according to their actual situation.

Car insurance is generally bought with these twoThe first is the compulsory purchase of insurance, which is compulsory traffic insurance, and the other is the insurance selected according to their actual situation, which is commercial insurance.

What types of car insurance are generally bought? This auto insurance reform involves both the compulsory reform of traffic insurance and the reform of commercial auto insurance.

Let's take a look at the changes in compulsory liability insurance.

1. The sum insured has been raised.

As can be seen from the figure above, the compensation limit for death and disability and the compensation limit for medical expenses have been adjusted in this reform.

The total liability limit of compulsory traffic insurance has been increased from 10,000 yuan to 200,000 yuan, and the non-liability compensation has been increased from 10,000 to 10,000 yuan.

2. Regional differentiated rates.

Different rates are implemented in different regions, according to the profit and loss status of the compulsory liability insurance operation in each region.

On the basis of the existing premiums, the rate of compulsory liability insurance should be appropriately reduced for areas with higher profits, and the rate of compulsory liability insurance should be appropriately increased for areas with heavy losses.

The upper limit of the floating ratio remains unchanged at 30%, and the lower limit is increased from the original minimum of 30% to 50%.

1. New protection responsibilities.

On the basis of the existing insurance liability, 7 new aspects of insurance liability have been added to provide consumers with more comprehensive and complete car insurance protection services.

At the same time, it supports the industry to develop additional insurance products such as separate wheel loss insurance and medical insurance external drug liability insurance.

With the existing car insurance, the reimbursement of medical expenses is limited to drugs used within the medical insurance, and the drugs used outside the medical insurance must be borne by themselves. If similar insurance can be developed, it will be very practical for consumers.

2. Increase the limit of liability.

Combined with the level of economic and social development, support the industry to increase the liability limit of commercial three-liability insurance for demonstration products from 55 million yuan to 1010 million yuan.

Third-party liability insurance can be used to supplement the insufficient compensation of compulsory traffic insurance and prevent unbearable catastrophic risks, such as compensation for the death of a third party or high compensation for the repair of luxury cars.

After this reform, the limit of the three insurances can be bought up to 10 million.

It is more conducive to meeting the needs of consumers for risk protection, and better playing the functional role of economic compensation and resolving conflicts and disputes.

3. **Downward adjustment.

1) Reduction of surcharge rate.

Guide the industry to lower the upper limit of the surcharge rate for commercial auto insurance products from 35 to 25%, and increase the expected loss ratio from 65 to 75%.

Support property and casualty insurance companies to apply for approval and file commercial auto insurance products through online sales, telemarketing and other channels with the upper limit of the surcharge rate less than 25% in a timely manner.

2) Gradually relax the ** restrictions.

Guide the industry to combine the "independent channel coefficient" and the "independent underwriting coefficient" into one and integrate it into the "independent pricing coefficient".

To put it simply, the first step is to adjust, and the discount of car insurance can be as low as 65%; In the second step of adjustment, when entering the independent pricing coefficient, the ** restrictions of auto insurance will be completely relaxed, and the discount of commercial auto insurance may be lower.

There are thousands of car insurance, although you buy car insurance and have an accident, the insurance company will basically help you pay for it. However, everyone should still obey the traffic rules and travel safely when driving, and try to go out as little as possible, not only to save themselves, but also to reduce the annual premium. How to buy, you can buy the best one according to your own needs.