What is included in commercial vehicle insurance and how it is billed

Compared with compulsory traffic insurance, the types of insurance in the policy can be purchased according to the customer's own requirements, and the insurance company cannot be required to purchase basic insurance.

The main content and calculation of commercial insurance insurance:

1. Vehicle damage insurance, this type of insurance compensates for the loss of unilateral accident vehicles, but does not include the loss of glass breakage alone, the loss caused by parking, if the responsible person cannot be found, 30% of the loss will be compensated, and the collision accident will be paid according to the proportion of liability, and the increase will be increased with the purchase of the vehicle.

2. The scope of compensation for the three insurances is the same as that of compulsory insurance, but it can only be compensated after the compensation of compulsory insurance, and the compensation shall be made according to the proportion of accident liability, and the premium ** corresponds to the corresponding premium according to the size of the insured amount.

3. The scope of compensation for the liability insurance of the personnel on the car is literal, and the medical expenses caused by the damage to the lock of the personnel on the car are generally about one or two hundred according to the size of the insurance.

4. Theft insurance, refers to the compensation of the vehicle after the theft of the vehicle and the compensation for the damage and loss of the vehicle caused by the theft, the premium changes according to the value change after multiplying the purchase price of the vehicle by the depreciation rate, ** is not high, non-recommended insurance (the insurance is very suitable for drivers who are in the field all year round, without fixed parking spots and parking garages) and accessory insurance.

Auto insurance is a kind of uncertain value property insurance with the car itself and its related interests as the subject of insurance. Cars here refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles, and special vehicles. Automobile insurance is a kind of property insurance, also known as motor vehicle insurance, which is a kind of transportation insurance with the automobile (motor vehicle) itself and its third-party liability as the subject of insurance.

Commercial insurance is operated and managed by insurance companies in accordance with the principle of enterprises, and the state levies relevant taxes and fees on them to maximize profits. Commercial insurance is voluntarily participated by members of the whole society, and the cost is borne by the insured, which can meet the needs of people at all levels of life and consumption, and the level of protection is relatively high.

Including: car damage insurance, third-party insurance, driving and riding insurance, excluding exemption special insurance, glass break insurance, scratch insurance, etc. You can try to calculate the premium online. View the original post

Automobile commercial insurance generally includes vehicle loss insurance, third-party liability insurance, theft insurance, and vehicle personnel liability insurance

1. Auto insurance consists of two parts, the first part is "compulsory insurance", which is indispensable and must be purchased;

2. The second part is commercial insurance, including: vehicle loss liability insurance, commercial third-party liability insurance, automobile theft insurance, body scratch insurance, natural insurance, etc., which can be purchased optionally;

3. If you want to transfer the risk to the insurance company when the risk of traffic accidents can not be reduced, then you should supplement the purchase of "commercial insurance".

Commercial insurance includes: car damage, three, people on the car, theft (the above four belong to the basic insurance), glass breakage insurance, scratches, and various deductibles (the latter items are additional insurance), the previous ones are relatively long-term, and there are some non-permanent insurance, natural insurance, tire damage insurance, wading insurance, and new equipment insurance.

Auto commercial insurance is mainly sold by various insurance companies, and at present, general auto commercial insurance mainly includes main insurance and additional insurance. Generally, there are three main insurances: compulsory traffic insurance (compulsory liability insurance for motor vehicle traffic accidents), car damage insurance, and three insurance.

The common additional insurances are: theft insurance, on-board liability insurance, water seepage insurance, scratch insurance, spontaneous combustion insurance, deductible insurance, glass breakage insurance, etc.

1. Car damage insurance, which is used to compensate for the loss of the vehicle itself due to natural disasters and accidents, is recommended for novices to purchase;

2. Third-party liability insurance is used to compensate for the personal loss of the third party caused by the car owner;

3. Excluding deductible insurance, it is to use Huki to transfer the responsibility that the owner needs to bear to the insurance company to reduce the loss of the owner;

4. Theft insurance, which is used to compensate for the damage caused by theft, robbery and robbery of vehicles;

5. The liability insurance of the personnel on the car is used to compensate the driver and passengers on the car for the loss of stopping and dismantling caused by traffic accidents, and the premium is generally paid according to the seat;

6. Spontaneous combustion insurance, which is used to compensate for losses caused by vehicle electrical appliances, wiring and other reasons**, is applicable to vehicles with a high age;

7. Glass breakage insurance, which is used to compensate for the separate breakage of vehicle windshield and window glass;

8. Body scratch loss insurance is used to compensate for the loss of scratches caused by man-made, malicious and driving accidents.

Extended Materials. Vehicle Commercial Insurance Claims.

1. Carry a clear copy of the "Three Certificates and One Document" of the motor vehicle with the car, that is, the owner's ID card, driver's license, driving license and insurance policy. Jian Zao hereby reminds everyone that the insurance card of many insurance companies is no longer used as a claim certificate.

Second, it is very important to report the accident in time, especially for major accidents. When calling the insurance company to report the accident**, you need to provide basic information such as the policy number, the time and place of the accident, and the nature of the accident.

3. Vehicles with temporary license plates generally only apply for short-term compulsory traffic insurance, and there is a specified route and time, and the insurance company does not bear the liability for compensation for accidents that occur on a route and time other than the specified route.

Fourth, when the vehicle is out of danger in a different place, it shall be reported to the insurance company in time, and the damage assessment personnel at the place of accident shall conduct investigation and damage assessment on behalf of the person. The compensation cost is generally valued according to the industry standard of the place of insurance, and if there is partial damage found after returning to the place of insurance, the insurance company can make up the compensation for the repair cost.

5. If the insured wants to entrust the repair shop to handle the compensation, or directly transfer the accident compensation fee to the repair shop, he shall personally sign the power of attorney and report to the insurance company for the record. Every time we repair, we sign a quality contract with the repair shop, so that we can protect our legitimate rights and interests.

Calculation method of automobile commercial insurance:

1. Vehicle loss insurance.

Cost calculation: base premium + naked car**

2. Theft and rescue.

Cost Calculation: Base Premium + Naked Car** Rate.

3. Separate glass breakage insurance.

Cost calculation: the purchase price of imported new cars, the purchase price of new domestic cars

4. Body scratch insurance.

Cost calculation: The insured amount of the body scratch insurance rate is 2,000 yuan, 5,000 yuan, 10,000 yuan or 20,000 yuan, which is determined by the policyholder and the insurer through negotiation at the time of insurance.

Cars under 10,000 are A: under 2 years (2000 premium 400) (5000 premium 570) (10000 premium 760); B: 2 years or more (2000 premium 610) (5000 premium 850) (10000 premium 1300).

Wan is A: less than 2 years (2000 premium 585) (5000 premium 900) (10000 premium 1170); B: 2 years and above (2000 premium 900) (5000 premium 1350) (10000 premium 1800).

More than 10,000 is A: less than two years (2000 premium 850) (5000 premium 1100) (10000 premium 1500); B: 2 years or more (2000 premium 1100) (5000 premium 1500) (10000 premium 2000).

The calculation method of automobile commercial insurance: compensation = compensation limit per seat per accident (1 - accident liability deductible) (1 - absolute deductible odds). What is Auto Commercial Insurance:

1. Automobile commercial insurance is a third-party commercial insurance, except for compulsory traffic insurance, which must be purchased, others are not required to be purchased, and should be determined according to the actual situation when purchasing; 2. Commercial motor vehicle insurance is a voluntary motor vehicle insurance paid by commercial insurance companies for commercial insurance companies, which is mainly divided into basic insurance and additional insurance; 3. Commercial insurance is divided into two categories: basic insurance and additional insurance, the basic insurance has four types of vehicle loss insurance, whole car theft insurance, vehicle personal liability insurance and commercial third-party liability insurance, and the additional insurance has body scratch insurance, glass breakage insurance, spontaneous combustion insurance, deductible insurance, etc., additional insurance can not be insured independently, and must be attached to the corresponding basic insurance to be insured.

Automobile commercial insurance includes: 1. Car damage insurance, which is used to compensate for the loss of the vehicle itself due to natural disasters and accidents, and is recommended for novices to purchase; 2. Third-party liability insurance is used to compensate for the personal loss of the third party caused by the car owner; 3. Excluding deductible insurance, it is used to transfer the responsibility that the owner needs to bear to the insurance company to reduce the loss of the owner; 4. Theft insurance is used to compensate for the damage caused by vehicle theft, robbery and robbery.

Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the insured or the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 22 In any of the following circumstances, the insurance company shall pay the rescue expenses in advance within the limits of the compulsory insurance liability for motor vehicle traffic accident liability, and shall have the right to recover compensation from the victim: (1) The driver has not obtained driving qualifications or is drunk; (2) The accident is caused during the theft and robbery of the insured motor vehicle; (3) The insured intentionally causes a road traffic accident. In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

Article 24 The State shall establish social assistance for road traffic accidents** (hereinafter referred to as assistance**). In any of the following circumstances, the funeral expenses and some or all of the rescue expenses of the victim in the road traffic accident shall be paid in advance by the rescue, and the rescue management agency shall have the right to recover from the person responsible for the road traffic accident: (1) The rescue expenses exceed the liability limit of the compulsory insurance of motor vehicle traffic accident liability; (2) The motor vehicle involved in the accident has not participated in the compulsory insurance of motor vehicle traffic accident liability; (3) Fleeing after a motor vehicle has been hit.