What is the details of car insurance? What does all that car insurance do?

Car insurance: It is mainly divided into compulsory traffic vehicle liability insurance and commercial vehicle insurance, and commercial vehicle insurance is divided into basic insurance and additional insurance.

Basic insurance includes third party liability insurance and full theft protection. Additional insurance includes on-board cargo liability insurance, deductible insurance, glass breakage insurance, body scratch loss insurance, no-fault liability insurance, wading loss insurance, ......

The third-party liability insurance of commercial insurance is a supplement to the compulsory liability insurance, and after choosing two basic insurances, it is most practical to add deductible insurance and spontaneous combustion loss insurance. If it is a new car, it is better to supplement the body scratch damage insurance.

Car insurance is mainly divided into: compulsory traffic accident liability insurance and commercial vehicle insurance launched by commercial insurance companies. In commercial insurance, third-party liability insurance is a supplement to compulsory traffic accident liability insurance.

It is recommended that you find a professional car insurance salesman, as there are so many of them.

However, to give you a word, full insurance is not the same as full accompaniment, and insurance is not a panacea.

1. Compulsory traffic insurance.

Insurance liability: the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by road traffic accidents.

2. Third Party Liability Insurance.

Insurance liability: The insured or its permitted qualified driver in the process of using the insured vehicle, in the event of an accident, resulting in a third party suffering direct damage to personal ** or property, the amount of compensation that shall be paid by the insured in accordance with the law, the insurance company shall compensate in accordance with the "Road Traffic Accident Handling Measures" and the insurance contract.

3. Vehicle damage insurance.

Insurance liability: The insurance company is responsible for compensating for the losses caused by the insured or its permitted qualified drivers in the process of using the insured vehicle due to the following reasons: the loss caused by the accidental collision, rollover and other accidents of the insured vehicle; Fire around the insured vehicle, damage to the vehicle; Losses caused by the collapse of external objects, the fall of objects running in the air, and the parallel fall of the insured vehicle while driving; Losses to insured vehicles due to the following natural disasters:

lightning strikes, storms, tornadoes, torrential rains, floods, tsunamis, subsidence, ice subsidence, cliff avalanches, hailstorms, mudslides, landslides; Damage to the insured vehicle caused by a natural disaster (only if the driver is with the attendant on board) on the ferry carrying the insured vehicle.

Compensation items: including the loss of the vehicle itself in the accident and the reasonable expenses incurred for the reasonable rescue and protection measures taken on the vehicle.

At present, in the domestic auto insurance market, Chinese People's Insurance Company, Ping An of China, and Pacific occupy the top three market shares. But we can't ignore up-and-comers, such as Tian'an, Chinese Life Property Insurance, etc. Which is the most professional, I personally feel that the company with an older industry development (including the field of life insurance) should be quite professional.

In terms of ** alone, the current ** car insurance channel should be the lowest, because the ** person link is omitted in the middle, and this part of the cost is equivalent to being directly returned to the customer. It is precisely because of the lack of ** people that from underwriting to claims, the insured needs to do it himself, and he often runs the wrong way. Online car insurance and ** car insurance are both e-commerce marketing channels, and the difference between them and conventional channels is that they eliminate the middle ** person link, which is reflected in the cheap premium.

The premium for the telemarketing channel is 15% lower than that of the conventional channel as a whole

Conventional ** person channel, if you can find a familiar friend to buy, it is still guaranteed, but if you also go to handle it yourself, there is no big protection in the follow-up, it is better to buy ** car insurance.

As for the 4S store, if there is no insurance in the previous year, you can enjoy a 7% discount in the second year, which is basically the same as the regular **person channel, but it is about 15% more expensive than **car insurance

As for the insurance plan, it is generally recommended to buy a full insurance for newbies in the first year, and the plan is as follows:

Commercial insurance includes: full amount of car damage, 20w for the three, 1w seat for the occupants of the car, theft insurance, excluding deductible, glass insurance.

Compulsory traffic insurance. If there is a fixed parking position, you can save the theft insurance. If the road conditions of the driving route are good, you can save the glass insurance, and the risk of the glass is basically broken by small stones.

If you drive by one person all year round, you can save the liability insurance of the people in the car. Secondly, the car damage must be in full, and it is recommended to insure 20w for the three, plus all the main insurance without deductibles. Finally, add the compulsory traffic insurance.

Introduction to insurance types] 1Car damage insurance pays for the loss of one's own vehicle;

2.Third-party liability insurance is to pay for the subject matter other than the vehicle, such as the person and public property hit, the other party's car, etc.;

3.Liability insurance for people on board is to pay for the loss of people and property on their own vehicles;

4.Theft insurance, as the name suggests, is the compensation for the theft of one's own vehicle;

5.Regardless of deductible, 100% compensation is guaranteed in the event of an accident, and if you do not buy a deductible, you can have a 30% deductible for each accident, which is borne by yourself. The deductible is only available for the main insurance, such as car damage, three, car occupants and theft;

Auto insurance mainly includes compulsory traffic insurance and commercial auto insurance.

Compulsory traffic insurance is a type of insurance that car owners must insure, including terms related to material damage and personal injury. It is understood that under normal circumstances, the standard premium of compulsory liability insurance that needs to be paid in a year is 950 yuan, and the standard fee of compulsory liability insurance that should be paid under the floating rate system is divided into multiple levels according to the situation, which generally reflects the principle of "rewarding the good and punishing the inferior".

Different from compulsory liability insurance, there are many types of commercial insurance, which are roughly as follows:

1. Car damage insurance: After the car is damaged, the insurance company can repair the car for you, insure the new car at the purchase price, and determine the insurance amount according to the brand model by the unified vehicle purchase platform.

2. Third-party insurance: If the insured or driver suffers personal or property damage to the third party due to an accident in the process of using the vehicle, the insured shall bear the economic responsibility and the insurance company shall compensate for it.

3. Separate glass breakage insurance: It means that the policyholder insures the windshield and window glass (excluding headlights and mirror glass) of the insured vehicle. During the insurance period, if the windshield or window glass is broken alone during the use of the insured vehicle, the insurer will be responsible for compensation according to the actual loss.

4. On-board personnel insurance: refers to the person responsible for compensating the vehicle for the accident caused by the insured vehicle.

5. Spontaneous combustion insurance: due to problems in the oil supply system, circuits, lines and other fuel supply systems in the car, and the friction of motor vehicle operation, resulting in the loss of the vehicle, in the event of an insured accident, in order to reduce the rescue cost of the insured vehicle, the insurer shall be responsible for compensation.

6. Whole car theft insurance: the car was stolen, there is a certificate from the public security organ, and it cannot be found within 3 months, and the money will be lost by 8% according to the depreciation (if the insurance does not include the deductible insurance, it can not be discounted by 20%), and the insurance will be depreciated according to the depreciation price.

7. Excluding deductible insurance: If you do not insure the insurance, when the insurance occurs, 20% will be deducted from the full liability, 15% will be deducted from the main liability, 10% will be deducted from the same liability, and 5% will be deducted from the secondary liability (some companies can be insured separately, car damage, three, people on the car, theft; Some companies are combined).

The so-called all-inclusive insurance of car insurance mainly includes:

Motor vehicle insurance is an indefinite value insurance, which is divided into basic insurance and additional insurance, of which additional insurance cannot be insured independently. Basic insurance includes compulsory traffic insurance; Third Party Liability Insurance (Triple Liability Insurance) and Vehicle Damage Insurance (Vehicle Damage Insurance); Additional insurance includes full vehicle theft insurance (theft insurance), on-board liability insurance, no-fault liability insurance, on-board cargo falling liability insurance, glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and special insurance without deductible. What we usually call compulsory traffic insurance (that is, compulsory insurance for motor vehicle traffic accident liability) also belongs to the third-party liability insurance in a broad sense, compulsory traffic insurance is a compulsory type of insurance, motor vehicles must be purchased to be able to drive on the road, annual inspection, and household, and in the event of a third-party loss needs to be claimed, must first pay compulsory traffic insurance and then pay other types of insurance.

First of all, compulsory traffic insurance, which is a must, and secondly, there are vehicle theft insurance, car damage insurance, deductible, vehicle safety liability insurance, scratch insurance, glass insurance, and third-party liability insurance on the new car. Nothing else matters.

Auto insurance is divided into compulsory traffic insurance and commercial insurance.

Compulsory traffic insurance must be insured, is mandatory by the state, without insurance can not be licensed, on the road, check the car, if the traffic police check, will be in twice the fine. Compulsory liability insurance is characterized by mandatory and uniformity.

Commercial insurance is voluntary.

There are four basic types of commercial insurance: car damage insurance, third-party liability insurance, vehicle occupant insurance, and theft insurance.

Additional insurance: spontaneous combustion insurance, wading insurance, new equipment insurance, glass insurance, scratch insurance, designated repair plant, no deductible, etc.

1.Auto insurance mainly includes compulsory traffic insurance and commercial insurance.

2.Compulsory traffic insurance is compulsory to be purchased by the state. Compared with compulsory traffic insurance, commercial auto insurance is purchased by the car owner himself.

3.Commercial insurance includes liability insurance, three insurances, wading insurance, and theft insurance.

4.In general, it is best to purchase compulsory traffic insurance, third-party liability insurance, shipboard personnel liability insurance, no deductible insurance and other insurance. The choice of car insurance company, if your car often goes out for long distances, then you should try to choose a relatively large insurance company like PICC and Ping An to insure.

5.Because this type of insurance company has branches all over the country, if you encounter trouble, you can immediately handle the local damage assessment claim. If your car is new, if the price of the car is relatively high, you can choose car insurance from a large company.

6.Because the more expensive the car, the higher the repair cost. In the event of an accident, the greater the financial pressure that may be exerted, and the compensation amount of the large company will be relatively higher, and the level of the designated repair shop will be higher.

One of the types of insurance: vehicle damage insurance.

Main insurance), type 2: third-party liability insurance.

Main insurance), the third type of insurance: theft insurance (additional insurance), the fourth type of insurance: the seat liability insurance (additional insurance), the fifth type of insurance:

Glass breakage insurance (additional insurance), insurance type six: spontaneous combustion insurance (additional insurance), insurance type seven: scratch insurance (additional insurance), insurance type eight:

Excluding deductible (additional insurance), type 9: excluding deductible (additional insurance).

Extended Materials

Detailed calculation of the amount insured.

1) It is determined according to the purchase price of the new car of the insured motor vehicle at the time of insurance.

The purchase price of a new vehicle at the time of insurance is based on the market sale of the same type of new vehicle signed in the insurance contract at the time of application** (including vehicle purchase tax.

OK, and in the insurance policy.

It is stated that if there is no market sale of the same type of new car, it shall be determined by the policyholder and the insurer through negotiation.

2) Determined by the actual value of the insured motor vehicle at the time of insurance.

The actual value of the insured motor vehicle at the time of insurance is determined based on the purchase price of the new vehicle at the time of insurance minus the amount of depreciation. The depreciation of the insured motor vehicle is calculated on a monthly basis, and the part less than one month is not depreciated. For example, the monthly depreciation rate of passenger cars with less than 9 seats.

The monthly depreciation rate for passenger cars with more than 10 seats is that the maximum depreciation amount does not exceed 80% of the purchase price of the new insured motor vehicle at the time of insurance.

Depreciation amount = purchase price of a new car at the time of insurance The number of months the insured motor vehicle has been used Monthly depreciation rate.

3) It shall be negotiated within the purchase price of the new vehicle of the insured motor vehicle at the time of insurance.

In addition, car damage insurance.

It is a type of insurance with floating rates, and the insurance company will dynamically adjust it according to the situation of insurance and claims when renewing the insurance, for example, an insurance company has set 12 car insurance rate adjustment levels, and the highest level is 12 levels, and the insurance premium will be adjusted to 200%; The lowest tier is the first tier, and the premium will be adjusted to 50%.

Compulsory traffic insurance: The full name of compulsory traffic insurance is [compulsory insurance for motor vehicle traffic accident liability.

It 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.

Under the following six circumstances, the compulsory traffic insurance can be surrendered:

1. The insured motor vehicle has been deregistered in accordance with the law;

2. The insured motor vehicle is suspended;

3. The insured motor vehicle passes through the public security organ.

Confirmed loss;

4. The policyholder repeatedly insures compulsory traffic insurance;

5. The insured motor vehicle is resold, transferred, or given to a place other than the place where the vehicle registration is located;

6. The new car is withdrawn by the seller due to quality problems or the traffic management department does not accept the relevant technical parameters in accordance with national regulations.

Car insurance must be very familiar to everyone, this is our life, people who have a car have to pay, car insurance is very important for every driver, it can be in the event of a traffic accident, the owner of the car to pay. So do you know what car insurance covers?

What is included in car insurance.

Auto 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 damage insurance and third party liability insurance. Car insurance is motor vehicle insurance, which refers to a type of property insurance.

Also known as car insurance. It is a kind of transportation insurance that takes the motor vehicle itself and the third-party liability of the motor vehicle as the subject of insurance.

Compulsory traffic insurance, that is, compulsory insurance for motor vehicle traffic accident liability, hail is a compulsory insurance for the purchase of key insurance by the state. Motor vehicles must purchase compulsory traffic insurance before they can be on the road, annual inspection, and listing, and in the event of a third-party loss that needs to be claimed, the compulsory traffic insurance must be paid first and then other types of insurance. Commercial insurance is a non-mandatory insurance that can be purchased by car owners according to the actual situation.

Motor vehicle insurance is a kind of insurance that uses motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of insurance. Motor vehicle insurance can be divided into two categories: compulsory traffic insurance and commercial insurance, and commercial insurance can be specifically divided into two parts: basic insurance (also known as main insurance) and additional insurance.