Ask about compulsory liability insurance and commercial insurance

Compulsory insurance is compulsory and must be taken. The full name is: "Compulsory Motor Vehicle Traffic Accident Liability Insurance" covers the property damage and personal injury caused by the car to a third party. The maximum compensation for death is 110,000, medical treatment is 10,000, and property damage is 2,000.

Commercial insurance is voluntary. It is divided into four main types of insurance: car damage, three, car personnel liability, and theft.

Car damage is a payment if your vehicle is damaged, such as accidentally hitting a bumper. However, compulsory liability insurance cannot compensate for this situation. The sum insured is based on the purchase of your car**.

The three can be regarded as a supplement to the compulsory traffic insurance, because under normal circumstances, once the accident occurs, the 110,000 yuan of the compulsory traffic insurance is not enough to compensate, and the insured amount of 100,000 or 200,000 yuan can be selected to supplement. And there is another advantage of the three commercial responsibilities is that for example: your insurance amount is 100,000, then the 100,000 includes personal injury and property, and the compulsory traffic insurance will kill the 110,000 yuan of death and 2,000 of the property.

In other words, if you hit someone's car and the other party needs 10,000 yuan to repair the car, then the 2,000 yuan alone is not enough to compensate. Commercial insurance can cover it.

The people on the bus, that is, the driver and passengers, were injured in personal accidents.

Theft, as the name suggests, is that your car is stolen, the insurance company will compensate you, but pay attention to keep the original car key, if there is no key, there will be a deductible (that is, less compensation), of course, I hope you do not encounter this kind of bad luck.

There are also several common types of insurance: spontaneous combustion, designated specialization, and wading. Spontaneous combustion and wading can be as the name suggests, and the designated repair means that if you need to repair the car, you will be compensated according to the ** of the 4S shop.

Because the parts ** of the 4S shop will be higher than that of the general repair shop. If you are going to a 4S shop to repair your car, it is recommended to take this insurance.

No deductible: If you don't have this type of insurance, the 4 basic types of insurance I mentioned above will be paid according to the ratio of 80%-85%. (The 4 basic types of insurance are all equipped with a certain free odds), and after this insurance, it will be paid at a rate of 100%.

Car damage insurance: mainly responsible for the scratch and damage of your own car (full compensation for damage to the vehicle driven by yourself, 70% compensation for the damage caused by others who have damaged the car and not found the party responsible for the accident);

Three: responsible for the losses of others (equivalent to compulsory insurance);

Personnel on the bus: divided into drivers and passengers, responsible for hospitalization and medical expenses and lost work expenses caused by injuries;

Spontaneous combustion insurance: responsible for the loss of the vehicle body due to spontaneous combustion on the oil road, it is recommended to insure old vehicles and modified vehicles;

Scratch Insurance: Responsible for the obvious damage to the car body.

The above is commercial insurance, compulsory traffic insurance is actually a limited amount of third-party insurance, compulsory traffic insurance in the death of 100,000 yuan, hospitalization medical compensation of 100000 yuan, property damage compensation of 2,000 yuan.

Compulsory traffic insurance and vehicle and vessel use tax must be purchased Commercial insurance can be optionally insured from Xinxiang People's Insurance. You can buy it in our city.

1. The legal status of compulsory traffic insurance is compulsory insurance, motor vehicles must be insured on the road, and new cars must be listed and used vehicles must provide compulsory insurance policies. Commercial third-party insurance is a kind of commercial insurance, and the policyholder chooses whether to apply for insurance according to his own choice. 2. Liability limit compulsory insurance is a fixed amount insurance, and the compensation limit is 10,000 yuan.

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Compulsory liability insurance is not included.

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 loss 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, and no-fault liability insurance

On-board cargo drop liability insurance, vehicle suspension loss insurance, new equipment loss insurance, excluding 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 insurances for third-party liability insurance. Each insurance plan can be insured independently, excluding deductibles.

Not included. Commercial Insurance: Main Insurance:

Third-party liability insurance, vehicle loss insurance, vehicle personnel liability insurance, and vehicle theft insurance. False and exciting socks first plus insurance: excluding deductible insurance, glass breakage insurance, body scratch insurance, water insurance, falling object insurance, animal infestation.

You can pay it or not, it's all optional).

Compulsory traffic insurance is compulsory and compulsory in the country.

If you have any other insurance questions, please come: more insurance fish talk about insurance! ，

The concept of compulsory traffic insurance:

The full name of compulsory traffic insurance is"Compulsory insurance for motor vehicle traffic accident liability"It is a compulsory liability insurance that is compensated by the insurance company 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 within the liability limit. Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. Its premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factors are"Number of car seats"。

The Concept of Commercial Insurance:

Commercial insurance is a protection for a private car. Details of vehicle commercial insurance: third-party liability insurance, theft insurance, vehicle personnel liability insurance, vehicle loss insurance, body scratch loss insurance, spontaneous combustion loss insurance, and compulsory traffic insurance without deductible insurance are compulsory insurance types of insurance by law, and they are also necessary protection for you and your car.

It can greatly reduce your financial burden in the event of an accident, resolve disputes, and the most important thing is that if you are not insured, you will not be able to get a license, transfer ownership, annual inspection, once you are investigated, you will be detained the car, and be punished by double the premium! Of course, if you have a good driving record, you can enjoy a better premium.

The difference between compulsory traffic insurance and commercial insurance:

Difference 1: Mandatory vs. non-mandatory.

Compulsory motor vehicle insurance is a mandatory insurance, and the owner or manager of the motor vehicle should be insured with compulsory insurance, which means that the owner needs to insure it every year as long as he buys a car. At the same time, the insurance company cannot refuse to underwrite, delay the underwriting and terminate the contract at will.

Commercial insurance is not mandatory, and the policyholder and the insurance company enter into an insurance contract under voluntary and equal conditions. Therefore, the car owner can also only insure the compulsory traffic insurance, of course, because the scope and degree of protection are relatively limited, the risk is greater.

Difference 2: The scope of protection is wide and narrow.

Compulsory traffic insurance has a wide range of coverage, while commercial insurance has a relatively narrow coverage scope. In the event of an insured accident, the compulsory traffic insurance shall not only bear the liability for the damage that should be borne by the insured in accordance with the law when the insured is liable, but also bear the corresponding liability for damages when the insured is not liable.

In commercial insurance, the insurer is not liable for compensation if the insured is not responsible or at fault. In addition, under the "Exclusion of Liability" clause of the commercial insurance clause, there are many situations in which the insurer will not be liable for compensation.

Difference 3: Is there a preferential rate?

The compulsory liability insurance implements a unified national insurance terms and basic rates, and the China Insurance Regulatory Commission approves the rates in accordance with the principle of "no profit and no loss" in the compulsory liability insurance business as a whole. For example, if the basic premium of an ordinary private car is $950 per year, no insurance company may offer a discount without authorization.

Commercial insurance: Each insurance company can decide the extent of the discount at its own discretion within a certain range.