What are the main items to buy for car insurance, and which items are to buy for car insurance

Vehicle insurance generally requires compulsory traffic insurance, vehicle loss insurance, third-party liability insurance, vehicle suspension loss insurance, and scratch insurance. Among them, compulsory traffic insurance is an insurance that must be purchased by national law.

1. Compulsory traffic insurance.

Compulsory traffic insurance (full name of compulsory motor vehicle traffic accident liability insurance) is the first compulsory insurance system implemented by national laws and regulations in China.

The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulate that compulsory traffic insurance is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

2. Vehicle loss insurance.

Vehicle damage insurance refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer will compensate according to the provisions of the insurance contract. This is the opposite of a third party, which is to take care of yourself, and if you take care of your car, you have to buy it.

3. Third party liability insurance.

Responsible for the liability for direct damage to the person** or property of another person (i.e. a third party) caused by an accident in the use of the insured vehicle.

Crashing or hitting someone is the most feared when driving, and it doesn't count the damage to your own car, but also to spend a lot of money to compensate others for the loss. Because the compensation for the medical expenses and property damage of the third party is relatively low, the purchase of the third party liability insurance can still be considered as a supplement after purchasing the compulsory traffic insurance.

4. Scratch insurance.

Scratch insurance is vehicle scratch insurance, which is one of the additional insurances, mainly as a supplement to car damage insurance, which can provide effective protection for body scratches caused by accidents.

Scratch insurance is aimed at scratches on the paint surface of the body, if the collision marks are obvious, there is a cut, and there is a big pit, this does not belong to the scratches, and belongs to the scope of car damage insurance. If you are more cherished car, you must buy it.

5. Vehicle suspension loss insurance.

In the event of an insured accident within the scope of vehicle loss insurance, the insurance company shall compensate for the following losses caused by the damage to the vehicle body and the suspension of the vehicle due to the damage caused by the insured vehicle.

Compulsory traffic insurance, three, car damage, must be bought, others can not be bought. I'm Ping An Car Insurance, ask me to give you a special car insurance.

Forced traffic + three + car damage (this is standard) + scratches + people on the car + not exempt (can not enter).

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.

Vehicles are generally purchased with compulsory traffic insurance, vehicle and vessel tax, third-party liability insurance, vehicle damage insurance, excluding deductibles, and driver and passenger insurance.

Compulsory traffic insurance: (to protect the other party) compulsory traffic insurance must be bought, otherwise you can't go on the road! The full name of compulsory traffic insurance"Compulsory Insurance for Motor Vehicle Traffic Accident Liability".According to the regulations, compulsory traffic insurance is a compulsory liability insurance that is compensated by the insurance company within the liability limit for the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by a road traffic accident of the insured motor vehicle.

Take a small car with 5 seats, 6-8 seats, as an exampleThe first-year premium is: 950 yuan, 1100 yuan; Second year: 855 yuan, 990 yuan; Year 3:

760 yuan, 880 yuan; Fourth year: 665 yuan, 770 yuan; Fifth year: 665 yuan, 770 yuan.

How did you calculate this friend? If the car is not insured in the previous year, in the second year, the compulsory insurance will be discounted by 10%, and so on, and the compulsory insurance will be discounted by 20% in the third year. 30% discount for compulsory liability insurance in the fourth year, and the same as the fourth year in the fifth year.

What are the insurance liabilities included in compulsory liability insurance? There are slight differences before and after the new regulations, and the following picture is for your reference:

Vehicle and vessel tax: (mandatory).New cars are taxed on a monthly basis, generally 360 yuan a year.

Third Party Liability Insurance: (Insuring the other party).After the introduction of the compulsory traffic insurance policy, third-party liability insurance has become a non-mandatory insurance.

Third-party liability insurance means that the insurance company is responsible for paying for the financial liability that the insured or driver needs to bear if the insured or driver suffers property damage or bodily injury due to an accident during driving. If the car owner is equipped with a third-party liability insurance with a higher amount of insurance, he will have a better protection. It is generally recommended that car owners purchase an insurance amount of 1 million to 2 million, of course, the higher the insurance amount, the higher the premium.

Car damage insurance: Car damage insurance is insurance to protect your car. Car damage refers to the commercial insurance of the car that the insurance company needs to compensate for the damage caused by an accident when the insured or the driver is using the car.

After the reform of car insurance, car damage insurance has increasedInsurance liability for theft and robbery of motor vehicles, ** and its secondary disasters, separate glass breakage, spontaneous combustion, engine wading, etc. The ** of car damage insurance is related to the value of the car, and the amount of car damage insurance for a new car is close to that of a new carAs the age of the car**, the amount of damage insurance covered decreases.

How to buy car insurance and how to bring the highest protection with the highest cost performance. When buying a car, it is not best to buy all car insurance, because some car insurance is not useful at all, so if you buy them all, it is very uneconomical.

1. Excluding deductible special insurance, there is generally such a provision on this type of car insurance, that is, there is an absolute deductible negotiation rate. For example, if there is an accident, if the owner is fully responsible, the maximum deductible odds are generally 20%. If your side-to-side repair fee is 20,000, the insurance company will pay for you, 16,000, and the owner will have to pay again, 4,000.

If you buy this insurance, then the remaining 4,000, the owner will no longer have to pay out of his own pocket.

Second, car damage insurance, car damage insurance is used to compensate yourself, if your car has an accident, then these losses can be through this car damage insurance insurance for the insurance company to compensate you. After the owner buys this car insurance, he does not need to bear the cost of repairing the car, which is a very important insurance for the vehicle itself. In addition, car damage insurance, including accidental traffic accidents, is also within the scope of compensation.

Third-party liability insurance, as the name suggests, means that in the event of a traffic accident, if you are primarily responsible, then third-party liability insurance can come in handy. There are so many luxury cars on the road now, if you are unlucky enough to crash into a luxury car one day, then this third-party liability insurance will be of great use. So this car insurance is a must-buy.

Fourth, compulsory traffic insurance, China's traffic laws and regulations stipulate that cars have to pay a fee every year, and this fee is compulsory traffic insurance. If you don't have compulsory traffic insurance, you will be deducted points and fined after being found on the road. And after buying compulsory traffic insurance, there will also be a logo containing Qichun insurance, which should be pasted on the front windshield of the car, if it is not pasted, it will also be deducted points and fined.

These four types of car insurance must be bought, and there is no need to buy other car insurance, but if you buy more, you are giving money for nothing.

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Compulsory traffic insurance must be purchased. This type of insurance must be purchased when the new car is licensed, and it is also a type of insurance that the state mandates to purchase, generally the cost of the first year is 950 yuan, and then there will be fluctuations according to whether there is an accident or not. This type of insurance is the most basic car insurance, the protection compensation is quite low, under the premise that the insured motor vehicle is responsible, the maximum compensation limit for death and disability is 110,000 yuan, the compensation for medical expenses is 10,000 yuan, and the property compensation is only 2,000 yuan.

The types of insurance that can be purchased with reasonable combinations: 1. Basic insurance: vehicle damage insuranceVehicle loss insurance refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer shall compensate according to the provisions of the insurance contract.

The cost of vehicle damage insurance is linked to the value of the vehicle, and the cost will vary greatly depending on the purchase of the vehicle**. For some models with a longer service life, this cost will be slightly lower. 2. 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.

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. 3. The insurance liability of theft and theft of motor vehicles is the loss of the vehicle caused by the theft, robbery and robbery of the whole vehicle, as well as the reasonable expenses that need to be repaired if it is damaged during the theft, robbery and robbery or the loss of parts and accessories on the vehicle. It can be seen that the insurance liability of motor vehicle theft insurance consists of two parts:

One is the loss of the insured vehicle caused by theft, robbery, and robbery; The second is the reasonable expenses caused by the theft, robbery and robbery of the insured vehicle. 4. Spontaneous combustion insurance is called vehicle spontaneous combustion loss insurance, which is an additional type of motor vehicle loss insurance, and the owner can only insure vehicle spontaneous combustion insurance on the basis of motor vehicle loss insurance. The insurance amount of spontaneous combustion insurance is generally determined by negotiation according to the actual value of the insured vehicle, and the cost is not too high, if it is a second-hand car or a vehicle that has been driven for several years, you can choose to buy it.

5. Glass breakage insurance is a kind of commercial insurance in which the insurance company is responsible for compensating for the loss of glass breakage of the insured vehicle during use. Broken glass alone means that only the windshield and window glass (excluding the headlights and mirror glass) of the insured vehicle are damaged. 6. Vehicle scratch insurance is an additional insurance, and the owner can only insure scratch insurance on the basis of car damage insurance.

The insurance liability of scratch insurance is "artificial scratches on the body of the insured vehicle caused by the malicious behavior of others". 7. As the name suggests, vehicle wading insurance refers to the vehicle driving on low-lying and waterlogged roads and passing in water. It usually occurs in rainy weather, and the lack of drainage equipment leads to waterlogged roads in low-lying areas.

Summary. Dear dear, it's a pleasure to answer your <>

Car insurance buys compulsory traffic insurance, car damage insurance, third-party liability insurance, and deductible insuranceCompulsory traffic insurance, the full name of which is "compulsory insurance for motor vehicle traffic accident liability 2".Car damage insurance, car damage insurance is insurance that pays for the loss of the vehicle, which is used to reduce the loss caused by damage such as car collisions.

3.Third-party liability insurance, in the event of an accident that causes losses to a third party, the car owner can get compensation accordingly. 4.

Excluding deductible insurance, most car insurance will set different deductible odds according to the accident liability, the insurance company does not pay for this part, and the car owner can transfer the part that needs to be paid to the insurance company again by purchasing the deductible insurance to reduce their losses. <>

What are the car insurance items?

Dear dear, it's a pleasure to answer your <>

Car insurance is all bought with compulsory traffic insurance, car damage insurance, third-party liability insurance, and deductible insuranceCompulsory traffic insurance, the full name of which is "Compulsory Insurance for Motor Vehicle Traffic Accident Liability 2".Car damage insurance, car damage insurance is insurance that pays for the loss of the vehicle, which is used to reduce the loss caused by damage such as car collisions.

3.Third-party liability insurance, in the event of an accident that causes losses to a third party, the car owner can get compensation accordingly. 4.

Excluding deductible insurance, most car insurance will set different deductible odds according to the accident liability, the insurance company does not pay for this part, the owner can buy the deductible insurance posture, the part that needs to be paid by himself is transferred to the insurance company again, in order to reduce their losses. <>

<> related extension: the characteristics of car insurance: 1 The flow of the subject of insurance, the subject of insurance underwritten by car insurance is to complete the work through movement, which belongs to the movable property in the property, which determines that car insurance has a certain flow xing.

The mobile characteristics of auto insurance directly affect the risks it faces and the types of risks, as well as the marketing, nuclear insurance, billing, survey, and adjustment of auto insurance. 2 The high risk of the insurance subject, statistics show that the number of people who die in traffic accidents in the world every year is about 500,000, which is equivalent to one person in a car accident every 120m. This determines that car insurance has a high risk compared to other property insurance.

This is because: the car is the main means of transportation on land, it is often in a state of motion, always carrying passengers or goods from one place to another, and it is easy to collide and other accidents, resulting in property damage and personal **. 3 The wide range of insurance objects, here the wide range of insurance objects has two meanings:

First, the insured comes from all walks of life and has a wide range of activities. Cars have become a common means of transportation, and the number of cars owned and used by businesses and individuals more widely, especially private cars, has become intimately relevant to everyone's life. Second, the auto insurance business volume is large, the insurance rate is high, and it involves a wide range.