My engineering truck is fully insured, what do they go with?

You are mistaken, in China there is only insurance that is not sold enough, there is no insurance that is complete, and this is the case with motor vehicle insurance. (see below).

Needless to say, compulsory traffic insurance is mainly used to compensate for third-party personal ** (120,000, including 10,000 for medical treatment) and property damage (2,000).

Commercial insurance of motor vehicles, car damage insurance mainly pays for the loss of the vehicle itself after the collision, and the vehicle overturns that is the loss of the vehicle that overturns.

Commercial three, when there is a third party or multiple parties in the accident**, property damage and compulsory traffic insurance is not enough to compensate for the use of commercial three.

Liability insurance, also known as seat insurance, pays for injuries caused by vehicle driving, collision and overturning, and compensates for the occupants within the limit.

Glass breakage insurance alone, as the name suggests, is payable by the insurance company regardless of the loss of your car's glass (except for the sunroof).

I don't know what your car is, I don't know if there is separate paint damage insurance.

Does your construction truck cover theft insurance? Spontaneous combustion insurance? Wading insurance? New equipment insurance?

The others are all deductibles, which means that in an accident, if one of the commercial insurance items is used, there will be no absolute deductible for this item.

If your car is a special vehicle, you can also attach special vehicle additional insurance and three, which is to pay compensation for damage to the vehicle itself and the three during the operation.

What kind of insurance is included in the full insurance should be clear, and what can be compensated depends on what you have lost, which is not within the scope of insurance liability.

If an accident occurs in an engineering vehicle, it will cause a serious traffic accident, so many people will want to buy a car insurance for the engineering vehicle, so how should you buy it?

1. Purchase compulsory traffic insurance.

We know that compulsory traffic insurance is mandatory for every car to buy, as long as it is a car on the road to buy compulsory insurance, so engineering vehicles are no exception, but the purchase of compulsory traffic insurance for engineering vehicles must be a little more expensive than ordinary cars, because the accidents caused by engineering vehicles are relatively largeIn the event of an accident, the insurance company will also pay out strongly. If you really decide to buy compulsory traffic insurance for engineering vehicles, you must refer to the charges of some insurance companies, and the State Insurance Regulatory Commission will give the standard of the basic rate.

2. Purchase third-party liability insurance.

Engineering vehicles belong to relatively large cars, and the driver's blind spots are very many, which will cause injuries to others and scratch some cars if you are not careful. For example, when turning or moving forward, you will ignore the car around the corner or some cars moving in front of you, which can easily cause traffic accidents, and once such a large car is involved in a traffic accident, it will cause serious personal injury and property damage to third parties. Therefore, the engineering vehicle must buy a third-party liability insurance for itself, and the amount to be purchased is slightly higher, so that in the event of a serious traffic accident, there will be a high amount of compensation, and the driver's property loss will be reduced.

3. Purchase car damage insurance.

AgainEngineering vehicles often have to carry out some cargo pulling on construction sites, so the surface of the car is very susceptible to collisions with stones and other utensils, which will cause serious damage to the car. Therefore, the owner can also buy a car damage insurance for his engineering vehicle, the insured or other drivers, if there is a traffic accident while driving the engineering vehicle, so that the vehicle has suffered serious losses, the insurance company will conduct an on-site survey, if within a reasonable range will give some compensation. Because the insurance of the car is to follow the car and not the person, so buying insurance for this engineering vehicle can make all drivers who drive be protected.

When purchasing, you need to go to the insurance company to buy, or you can directly log in to the ** on the Internet and click on it, or you can buy it.

You should go to the appropriate place to buy, you can also buy online, and secondly, you can buy through a friend's introduction.

If you don't have it, you have to buy it!

Newly purchased engineering vehicles can purchase insurance with invoices, certificates and other relevant documents, including compulsory traffic insurance, but the new car has not been resold for more than one year (that is, it has not gone through the transfer procedures), and it cannot be purchased.

Don't think that the place where the engineering truck works is very fixed, and it is generally not on the road, so you don't buy insurance. But once there is a risk, it will be miserable, there is no insurance company to help you pay, can you afford it yourself? Even if you can afford it, it will be a huge loss.

Let's just say that in April, in the case of two engineering vehicles in Guancheng District, Zhengzhou City, Henan Province, the driver was sentenced for committing a crime; The latter case is mired in endless litigation.

Therefore, if you want to eliminate risks, it is better to get insurance as soon as possible. It is necessary to be strong, and the three are the big ones.

The best insurance for driving engineering vehicles is as follows: vehicle loss insurance, theft insurance, three insurance, excluding deductibles (various), spontaneous combustion insurance, and insurance for vehicle personnel and drivers.

1. Engineering vehicles are the backbone of a construction project, and the progress of the construction project is doubled because of their appearance, which greatly reduces the manpower. Looking at the operation of engineering vehicles, people can't help but be shocked by the power of machines and technology. They are used for engineering transportation, excavation, emergency repair, and even warfare.

In European municipal special vehicles, millimeter-wave reversing radar and blind spot detection radar are widely used, and even used as mandatory installation equipment in some special transport vehicles.

2. The safety accident rate of engineering vehicles has been high, which is related to the personnel who are cautious, and the reason is that the structure and safety measures of the vehicle itself are not in place. In the European mining industry, the mining group will use radar, camera, remorse, ultrasonic and other auxiliary equipment to assist drivers, greatly reducing the accident rate; In European municipal special vehicles, millimeter-wave reversing radar and blind spot detection radar are widely used, and even used as mandatory installation equipment in some special transport vehicles. In China, the Dolphin Vehicle Safety Radar has also been recognized and promoted by some safety-conscious enterprises, protecting vehicles and personnel at the same time, and more often than not, protecting the property of enterprises.

In view of the above risks, you need to have more insurance to protect yourself and your property.

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