There are several types of car insurance that need to be bought, and which types of car insurance mu

Hello. Car insurance is divided into compulsory traffic insurance and commercial car insurance. Compulsory liability insurance is a compulsory insurance and must be purchased.

Commercial auto insurance includes third-party liability insurance, car damage insurance, theft insurance and vehicle personnel liability insurance, which are basic insurance, scratch insurance, spontaneous combustion insurance, wading insurance, and additional insurance such as deductible.

For car owners, in addition to compulsory traffic insurance is necessary to buy, commercial auto insurance in the third party liability insurance, car damage insurance these two types of insurance are very important, the loss of the vehicle after the accident, the compensation for the loss caused to the third party can be guaranteed by these two insurances. If the parking environment is not ideal, then theft insurance is also necessary.

In addition, if your family members often go out by car or do not have accident insurance, it is recommended to also purchase on-board personnel liability insurance.

If it is a new car, it is necessary to buy scratch insurance. If there is a lot of precipitation in your area, you should also purchase wading insurance.

The purchase of car insurance should be decided according to your own situation, and the above types of car insurance are what car owners should pay attention to.

Hope mine is helpful to you.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

What you need to do after buying a car is to buy insurance, and the sales staff will explain and recommend car insurance when the owner buys a car. The main purpose of car insurance is to save losses for car owners, and transfer the risk of using the car to the insurance company, so that if the car owner encounters a traffic accident, it will be economical.

The car insurance that must be purchased is compulsory traffic insurance, and some other commercial car insurance such as car damage insurance and third-party liability insurance can be purchased according to your own needs.

Compulsory traffic insurance: Compulsory traffic accident liability insurance is the first compulsory insurance system implemented by national laws and regulations in China.

Car damage insurance: Car damage insurance refers to a kind of automobile commercial insurance that compensates the insured company within a reasonable range if the insured vehicle is damaged due to an insured accident when the insured or the driver allowed by the insured person or the driver allowed by the insured vehicle is used.

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 and the insurance company shall be responsible for compensation if the accident occurs when the insured vehicle is used and causes the third party to suffer direct damage to the person or property.

In addition to compulsory traffic insurance, the rest of the commercial insurance can be purchased according to your own economic strength and needs.

1. The car insurance that must be bought includes: compulsory traffic insurance, third-party liability insurance, and car damage insurance.

2. Car insurance that can not be bought: scratch insurance, spontaneous combustion insurance, glass shattering insurance, and wading insurance.

A brief introduction to these types of insurance:

1. Compulsory traffic insurance.

Definition: It refers to the compulsory liability insurance that the insurance company compensates within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by a road traffic accident of the insured motor vehicle. The liability limit of compulsory liability insurance for motor vehicle traffic accidents is within 60,000 yuan.

2. Third liability insurance.

Definition: Third party liability insurance is the third party liability insurance in commercial insurance, which refers to the personal or property damage suffered by the third party due to an accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract.

3. Vehicle loss insurance.

Definition: Compensation for the loss of the vehicle itself due to natural disasters or accidents. For example: a vehicle that is about to be scrapped.

4. Scratch Insurance:

For example, a scratch insurance with an insured amount of 2,000 yuan has a premium of 400 yuan; Scratch insurance with an insured amount of 5,000 yuan, and a premium of 800 yuan. While the amount can be accumulated, it will result in a second year's premium**, and some scratches are covered by the car damage insurance. It should be noted that scratch insurance is a requirement for the age of the car, and it is necessary to ask whether it can be insured when applying for insurance.

5. Spontaneous combustion insurance:

If it is a new car, there is no need to buy it, because the new car is within the warranty period, and spontaneous combustion occurs, the manufacturer will pay compensation, and spontaneous combustion insurance will be useless. It is recommended to purchase a car that is 4 years old or older.

6. Wading insurance:

Wading insurance is only payable if the engine is flooded. If the vehicle wades into water and starts the engine for the second time, no compensation will be paid if the vehicle is damaged due to personal misconduct.

7. Glass shattering insurance:

Only if the glass is broken alone can you get paid, which is less likely to happen. If the sheet metal and glass are damaged due to a car insurance accident caused by an impact or other reasons, the loss in an accident can be claimed by car damage insurance.

Auto insurance must only buy compulsory traffic insurance, commercial insurance is not mandatory but necessary, the recommended types of insurance include the following:

1. The nature of third-party liability insurance is the same as that of compulsory traffic insurance, which is to compensate the third party for the loss of personnel, vehicles, and property in the liability accident, but the amount of insurance can be selected by yourself. The recommended sum insured is 1 million, which is a low-risk level. (The three insurances only compensate others, not themselves);

2. Car damage insurance, this type of insurance only compensates for oneself, whether it is a multi-party liability accident (full responsibility or main responsibility), unilateral accident, the loss of the vehicle can be claimed through the car damage insurance, and the car repair does not have to pay for it. The pricing of new cars refers to the opening fare, and the old car is calculated according to the depreciation rate appraisal price, ** more than 50,000 family cars are recommended to be insured;

3. Excluding deductible insurance, three liability and car damage insurance can not be 100% compensated in the accident, and you need to join the deductible before you can fully compensate, which is an additional charge but it is necessary to insure, otherwise the accident of the car collision is easy to deal with, and the cost of personal injury accidents is mostly large;

4. Seat insurance, also known as on-board personnel liability insurance, the three insurances only compensate others, car damage insurance only compensates for their own cars, if the accident occurs on their own side, they are responsible for the consequences, and they do not want to take responsibility for themselves.

5. There is no third-party special insurance, mainly for accidents where the perpetrator cannot be found after the third party escapes, and 50 yuan a year can be bought with confidence.

1. Compulsory traffic insurance is required by the state.

2. Car damage insurance: It must be on, it is a type of insurance that compensates the owner for the loss of his own vehicle, and it is recommended to insure in full.

3. Third-party insurance: It must be on, Jian Jianfan negotiates an insurance amount of 50-1 million, and if there are conditions, Zheng Yi can be instructed to insure more than 1 million or higher insurance amount.

4. Excluding deductible: It is recommended that you can get full compensation after the accident.

5. Other additional insurances such as on-board personnel liability insurance, theft insurance, scratch insurance, glass breakage insurance, wading insurance, spontaneous combustion insurance and other additional insurances can be selected according to your actual needs.

The type of insurance that must be purchased for car insurance is compulsory traffic insurance.

The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

Compulsory liability insurance for motor vehicle traffic accidents refers to the compulsory liability insurance in which the insurance company compensates within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents of the insured motor vehicle.

If the owner or manager of a motor vehicle fails to take out compulsory third-party liability insurance for motor vehicles in accordance with the provisions of the State, the traffic management department of the public security organ shall detain the vehicle until it is insured in accordance with the regulations, and shall be fined twice the insurance premium payable in accordance with the minimum liability limit for insurance in accordance with the regulations. Legal basis: Article 98 of the Road Traffic Safety Law, if the owner or manager of a motor vehicle fails to take out compulsory third-party liability insurance for motor vehicles in accordance with national regulations, the traffic management department of the public security organ shall detain the vehicle until it is insured in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit for insurance in accordance with the regulations.

All fines paid in accordance with the preceding paragraph shall be included in the social assistance for road traffic accidents**. The specific measures are stipulated by ***.

The correct explanation is as follows: the following types of car insurance must be bought: 1. Compulsory traffic insurance, compulsory traffic insurance is a mandatory insurance stipulated by Chinese law, so everyone who has a car must buy it.

If you drive on the road without purchasing compulsory traffic insurance, you will be deducted points and fined if you are found by the traffic police, and if the circumstances are serious, you may be detained because it is illegal. Second, three liability insurance, third-party liability insurance (referred to as three liability insurance), this kind of insurance mainly protects the car in the process of driving into someone else's car, and the compensation money is paid entirely by the insurance company. 3. Car damage insurance, car damage insurance is a kind of automobile commercial insurance that the insured compensates within a reasonable range if the insured suffers damage to the vehicle due to an accident while driving the vehicle.

Fourth, excluding deductible insurance, excluding deductible insurance is an additional type of insurance, which is based on the additional deduction after the third liability insurance.

The following types of car insurance must be bought: 1. Compulsory traffic insurance, compulsory traffic insurance is a compulsory insurance stipulated by the law of our country, so everyone who has a car must buy it. If you drive on the road without purchasing compulsory traffic insurance, you will be deducted points and fined if you are found by the traffic police, and if the circumstances are serious, you can be detained because it is illegal.

Second, three liability insurance, third-party liability insurance (referred to as three liability insurance), this kind of insurance mainly protects the car in the process of driving into someone else's car, and the money for the compensation is paid by the insurance company. 3. Car damage insurance, car damage insurance is a kind of automobile commercial insurance that the insured compensates within a reasonable range if the insured suffers damage to the vehicle due to an accident while driving the vehicle. Fourth, excluding deductible insurance, excluding deductible insurance is an additional type of insurance, which is based on the additional deduction after the third liability insurance.

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