What is the difference between compulsory car insurance, compulsory vehicle insurance, and commercia

Compulsory insurance (mandatory insurance to be bought) is generally for the three (if it is a multi-vehicle accident, then except for their own car, that is, all vehicles other than the target car) car, including the loss of the three, a compensation for personal injury, this is an upper limit, the death of the third party 50000, the third party's medical 8000, the third party's property 2000 should be like this.

Commercial insurance is composed of many different small insurances, such as the most commonly used car damage insurance, scratch insurance, glass breakage insurance, three liability insurance (when the loss of the three exceeds the upper limit of compulsory traffic insurance, this insurance will compensate for the majority of the part) and what is the whole car theft insurance, car personnel liability insurance and so on.

In general, their car damage is basically compensated by commercial insurance, and the car damage of the three is compensated by compulsory insurance, and if the compulsory insurance line has been reached, it will be paid from commercial insurance (if you insure the liability insurance of the three).

When buying commercial insurance, it is best to pay attention to it, and make it clear what insurance you want to buy, or you can consult the salesman about which types of insurance are basically used the most.

I think that basically the car damage is definitely necessary (if your car is very broken, it doesn't matter) scratch insurance is also wanted, the car is scratched, not sunken, if there are only scratches, and you don't sell scratches, the general insurance company will not pay. (It is said that the car that is more than three years old can not be protected from scratches, I don't know much about this, you can ask for details) There is also a separate glass breakage insurance is also required, if you are hit by a stone when driving, this is also a common thing.

Other commercial insurance needs to be studied, and what I know at the moment is the above three (minor accident) ...... that are easier to use

The above is my own feeling, but also a little bit of the skin, if you really want to buy you still have to information the salesman.

I'll tell you in the vernacular, compulsory insurance: you can see from the name that it is the type of insurance that you are forced to insure, that is, your car is going to be on the road, and it must be inspected last year, and this type of insurance is compulsory. And this insurance is for third party insurance, that is, when you have an accident, it is for a third party who has been harmed by personal and property safety.

The purpose of compulsion is that when you have a problem, you will not be unable to get a penny of compensation, but due to the limitation of the amount of insurance, this compensation capacity is very limited, so on this basis, commercial insurance is added.

Commercial insurance: that is to say, like a commodity, you can buy it if you want to, even if you don't buy it, you can drive carefully if you don't buy it. Generally, you can choose commercial insurance according to your driving situation, vehicle parking situation, and body condition, but of course, you can choose none of them.

For example, if your car is often parked overnight in an unguarded place, the theft insurance can be insured, and your car is a novice in the whole thing, so you can consider the initial car damage, scratches, etc.

Well, I've talked about the difference and role, I hope it helps.

Compulsory insurance is the type of insurance that must be paid, and if you don't pay compulsory insurance, you can't pass the annual inspection!

1. Legal status

1. Compulsory traffic insurance is compulsory insurance, motor vehicles must be insured on the road, and compulsory traffic insurance policies must be provided for new car listing and annual review of old cars.

2. Commercial insurance is a commercial insurance, and the policyholder chooses whether to apply for insurance according to his own choice.

II. Limitation of Liability

1. Compulsory traffic insurance is a fixed amount insurance, and the compensation limit is 10,000 yuan.

2. Commercial insurance is an indefinite insurance, and the policyholder chooses the liability limit independently.

3. Insurance liability

1. The compensation limit is determined according to whether the vehicle is borne in the traffic accident.

2. Commercial insurance determines the compensation ratio according to the proportion of the vehicle's liability in traffic accidents, and the compensation of commercial insurance is the part of the compensation that exceeds the liability limit of the compulsory traffic insurance.

4. The legal basis of the lawsuit

1. The party who loses the traffic accident can directly sue the insurance company of the compulsory traffic insurance to claim compensation within the liability limit.

2. Commercial insurance is a commercial contract, and it is generally not possible to sue the insurance company directly unless the insurance company deliberately does not compensate.

The compulsory insurance company is not responsible for compensation and advance payment in the following cases:

1. Losses caused by traffic accidents intentionally caused by the victim;

2. Losses suffered by the property owned by the insured and the property on the insured motor vehicle;

3. The insured motor vehicle has a traffic accident, resulting in the victim's suspension of business, driving, electricity, water, gas, production, communication or network interruption, data loss, voltage change, etc., as well as other indirect losses caused by the depreciation of the victim's property due to market changes, losses caused by the reduction of value after repair, etc.;

4. Arbitration or litigation costs and other related expenses arising from traffic accidents.

The difference between compulsory liability insurance and commercial insurance.

Compulsory car insurance includes the following:

1. Personal death and disability compensation items, the specific compensation items include: funeral expenses, death compensation, transportation expenses incurred by the victim's relatives for funeral matters, disability compensation, disability assistive device expenses, transportation expenses, as well as necessary expenses, nursing expenses, and follow-up expenses actually incurred due to nursing and continuation, and the compensation obligor shall also compensate, and the insured shall bear the solatium for moral damage in accordance with the court judgment or mediation;

2. Medical expense compensation items, medical expense compensation items, refers to some reasonable medical expenses caused by traffic accidents, as well as some hospitalization and later related medical expenses caused by traffic accidents;

3. The property loss compensation project includes two aspects of property loss, one is direct property loss, which mainly refers to the direct impairment of property interests caused by road traffic accidents, and the other aspect is indirect property loss, which mainly refers to the indirect impairment of property interests caused by road traffic accidents, which usually includes losses such as suspension of operation.

What is the process of applying for compulsory insurance for a car?

1. The owner of the car should bring the relevant documents to the insurance company with the qualification to operate compulsory insurance;

2. Under the guidance of the insurance company, fill in the insurance policy truthfully;

3. The insurance company's handling personnel inspect, verify and ensure that the policy content of the insured vehicle is consistent with the driving license and the actual vehicle information;

4. Determine the amount of insurance premium according to the nature of the use and the actual situation of the vehicle. The insurer reviews the insurance policy and compulsorily compulsorily insurance premium standards and limits;

5. According to the content of the insurance policy, the insurer shall inquire about the illegal and road traffic accident information of the insured vehicle through the insurance and public security traffic violation record information platform, and determine the increase and decrease of the premium for the insured vehicle;

6. The insurer enters the insurance information into the microcomputer according to the verified insurance policy;

7. The policyholder pays the insurance premium at one time;

8. The insurer prints the compulsory insurance policy, the rate fluctuation notice, the insurance mark, and the insurance invoice and hands it to the customer;

9. After the policyholder reviews the content of the insurance policy, the insurance logo shall be pasted on the front windshield, and if there is no front windshield, the convenient insurance logo shall be carried with him;

10. The insurance company will file the policy according to the regulations and dates, and pay regular return visits to customers;

11. In the event of vehicle transfer and changes in vehicle information such as engine number and license plate number, please go through the change procedures with the insurance company in time.

Legal basis: Article 3 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The term "compulsory insurance for motor vehicle traffic accident liability" as used in these Regulations 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.

Legal analysis: excluding compulsory liability insurance.

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 risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

Legal basis: "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" Article 39 If the owner or manager of a motor vehicle fails to take out compulsory insurance for motor vehicle traffic accident liability in accordance with the regulations, the traffic management department of the public security organ shall detain the motor vehicle, notify the owner or manager of the motor vehicle to take out insurance 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.

Car insurance is a must-have for car owners that protects you from unexpected losses and gives you security. However, there are many types of car insurance, such as compulsory liability insurance and commercial insurance, what are the differences between them? This article will introduce you to a comparison of car insurance types to help you better understand car insurance.

1. Definition of compulsory traffic insurance and commercial insurance.

1.Compulsory insurance: Compulsory insurance refers to compulsory insurance for automobile traffic accident liability, which is a must-have insurance for car owners, which can protect you from accidental losses and provide you with safety guarantees.

2.Commercial Insurance: Commercial insurance refers to car vehicle damage insurance, which is an insurance that car owners can choose to have, which can protect you from accidental losses and provide you with safety and security.

2. The difference between compulsory traffic insurance and commercial insurance.

1.The insurance liability is different: the insurance liability of compulsory traffic insurance refers to the liability of automobile traffic accidents, while the insurance liability of commercial insurance refers to the insurance of automobile vehicle damage.

2.The cost of insurance is different: the cost of compulsory liability insurance is fixed, while the cost of commercial insurance can be customized according to your needs.

3.The duration of the insurance is different: the duration of compulsory liability insurance is one year, while the duration of commercial insurance can be customized according to your needs.

3. Comparison of compulsory traffic insurance and commercial insurance.

1.Insurance liability: The insurance liability of compulsory traffic insurance refers to the liability of automobile traffic accidents, while the insurance liability of commercial insurance refers to the insurance liability of automobile vehicle damage, and their insurance liability is different.

2.Insurance costs: The cost of compulsory liability insurance is fixed, while the cost of commercial insurance can be customized according to your needs, and their insurance costs are also different.

3.Insurance period: The insurance period of compulsory traffic insurance is one year, while the insurance period of commercial insurance can be customized according to your needs, and their insurance period is also different.

4. Comparison of car insurance types.

1.Compulsory Insurance: Compulsory insurance is a must-have insurance for car owners, it protects you from unexpected losses and provides you with security, the cost of insurance is fixed, and the insurance period is one year.

2.Commercial insurance: Commercial insurance is the insurance that car owners can choose to have, it can protect you from unexpected losses and provide you with security, the cost of insurance can be customized according to your needs, and the insurance period can be customized according to your needs.

5. The importance of car insurance.

Car insurance is a must-have for car owners that protects you from unexpected losses and gives you security. Car insurance not only protects your property but also your personal safety, therefore, car insurance is very important.

6. Summary. From the above introduction, we can see that compulsory traffic insurance and commercial insurance are two different types of auto insurance, and their insurance liability, insurance cost and insurance period are different. Car insurance is a must-have for car owners, it protects you from unexpected losses and gives you security, therefore, car insurance is very important.

Summary. Hello, dear. We're happy to answer your <>

There are two types of car insurance: compulsory insurance and commercial insurance, which refers to compulsory vehicle insurance, which refers to compulsory insurance for motor vehicle traffic accident liability, which can be referred to as compulsory traffic insurance. This type of insurance is mainly a compulsory liability insurance that pays for the personal and property losses of the other party after a traffic accident. In other words, the compulsory insurance compensates the other party's loss, not your own loss.

There are compulsory insurance and commercial insurance for car insurance.

Hello, dear. We're happy to answer your <>

There are two types of car insurance: compulsory insurance and commercial insurance, which refers to compulsory vehicle insurance, which refers to compulsory insurance for motor vehicle traffic accident liability, which can be referred to as compulsory traffic insurance. This type of insurance is mainly a compulsory liability insurance that pays for the personal and property losses of the other party after a traffic accident. In other words, the compulsory insurance compensates the other party's loss, not your own loss.

The types of vehicle insurance can be divided into compulsory insurance and commercial insurance according to the quality of Xing. Compulsory insurance (compulsory insurance) is a compulsory purchase of insurance stipulated by the state, commercial insurance is not compulsory to purchase insurance, car owners can choose to insure according to their own circumstances, car insurance commercial insurance has: 1, compulsory traffic insurance 2, third party liability insurance 3, vehicle personnel liability insurance 4, vehicle loss insurance 5, body scratch loss insurance 6, spontaneous combustion loss insurance 7, glass breaking insurance 8, excluding deductible insurance.