How do you get through Sunshine Car Insurance?

Insurance, whether property insurance or life insurance, to explain the terms of the customer need to communicate face-to-face, if the landlord likes this industry, inspirational to engage in this industry, then back the words, find their own relatives or friends when communicating with the most basic, more practice, more talk about it. Therefore, insurance trains people, not only to exercise people's ability and will, but also to hone people's eloquence.

You can practice with a family member or someone else, and it's good to live.

Auto insurance includes compulsory traffic insurance and commercial insurance, both of which have their own roles.

Buy too much and waste, buy less and suffer a loss! How much does it cost to buy car insurance a year?

Next, let's talk about compulsory traffic insurance and commercial insurance.

The full name of compulsory traffic insurance is compulsory insurance for motor vehicle traffic accident liability, which is mandatory for the state to purchase.

In short, compulsory traffic insurance is used to protect the rights and interests of traffic accident victims (excluding the vehicle occupants and the insured).

1.Car damage insurance

Car damage insurance refers to the insurance that pays for the loss of our own car.

Whenever you drive on the road, there will inevitably be bumps and bumps, so it is necessary to buy car damage insurance.

2.All three

The third party insurance is also the third party liability insurance, which mainly protects the personal and property losses of the third party in traffic accidents.

In order to supplement the sum insured of compulsory liability insurance, it is necessary to have a three-party insurance with comprehensive coverage.

3.Liability insurance for people on board

The on-board personnel liability insurance covers the passengers and drivers of the car, and its coverage overlaps with the accident insurance to a certain extent.

4.Deductible not included

Deductible insurance is a special clause without deductible, it is an additional insurance.

In many accidents, insurance companies have a 5%-20% deductible.

In addition to the types of insurance mentioned above, commercial insurance also includes other types of insurance. If you want to know more, you can check out this article:

What are the types of car insurance? Do you want to buy them all?

What are the types of car insurance? Do you want to buy them all? 》

1. Compulsory traffic insurance

1. What is compulsory traffic insurance?

Compulsory traffic insurance is a compulsory insurance purchased by the state, do not buy it on the road, if you are caught by the traffic police and do not buy it, the car will be detained, fined double the premium, and you must buy it immediately before you can get back on the road. In addition, the new car is not given to the household, and the annual inspection cannot be passed.

2. Guarantee responsibility

Compulsory traffic insurance is a compulsory liability insurance that the insurance company compensates the victim (excluding the vehicle personnel and the insured) for personal and property losses caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

3. Premiums

The premium of compulsory traffic insurance is subject to a unified national charging standard and is uniformly stipulated by the state. Different models, the standard of compulsory traffic insurance payment** is also different.

2. Commercial auto insurance

1. Types of commercial auto insurance and protection responsibilities

Unlike compulsory liability insurance, commercial auto insurance can choose whether or not to purchase it according to your needs. Common commercial auto insurance is shown below:

From the diagram we can find thatThere are really many types of commercial auto insurance, but there are many of them that are not very usefulBlindly insuring will only waste premiums. For example, natural loss insurance, there is no need to buy a new car, because all parts of the new car are new, and they are all in the warranty period, there is no need to buy spontaneous combustion insurance, in case of spontaneous combustion of non-human factors, the manufacturer will pay.

"Worth Buying Car Insurance Types".

2. Premiums

Take car damage insurance as an exampleCar Damage Insurance Premium (Base Premium Vehicle Purchase Price * Rate) * Preferential Coefficient,For a new car of about 100,000 yuan, the car damage insurance** is about 1,500 yuan. The ** of car damage insurance is more complicated, and the calculation method of each insurance is also different, as an ordinary car owner, you don't need to know how to calculate, you just need to know how much money.

So how do we get the most comprehensive car insurance coverage for the least amount of money? Please see this article:

Buy too much and waste, buy less and suffer a loss! How much does it cost to buy car insurance a year? 》

Xueba said the official website of insurance.

1. Must buy insurance.

1. Compulsory traffic insurance.

Compulsory traffic insurance does not need to be explained too much, and you will not be able to travel on the road without buying compulsory traffic insurance.

2. Third-party liability insurance.

Third-party liability insurance, like compulsory liability insurance, is compensation for the injured third party, which is actually a supplement to the compulsory liability insurance. The payout amount of compulsory traffic insurance is limited and relatively low, with a maximum of 10,000 yuan. For third-party liability insurance, it is recommended to insure 50-1 million, and if the economic conditions are good, you can insure 1.5 million or higher.

3. Car damage insurance.

Car damage insurance is a kind of compensation for the loss of your own vehicle, and the premium of car damage insurance has a lot to do with the purchase of the car** and the number of seats. In other words, the higher the price, the higher the premium.

2. Vehicle full insurance refers to: compulsory traffic insurance + vehicle damage insurance + third-party liability insurance + deductible + vehicle personnel insurance, etc., and if conditions permit, you can also add theft insurance, glass insurance, body scratch insurance, and spontaneous combustion insurance.

1. Vehicle loss insurance: Vehicle loss insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract.

2. Third-party liability insurance: Commercial third-party liability insurance refers to the direct loss of personal or property suffered by others due to the insurer's liability accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract.

3. Whole vehicle theft rescue: responsible for compensating for the personal damage of the personnel on the vehicle and the direct damage to the goods carried on the vehicle caused by an accident.

4. Separate glass insurance: During the parking or use of the vehicle, other parts are not damaged, only the glass is broken or broken alone, and the loss of the glass is compensated by the insurance company.

5. Spontaneous combustion loss insurance: the loss of the insured vehicle due to the failure of the circuit, line, and fuel supply system of the vehicle and the combustion of the goods carried by themselves.

6. Excluding deductible special insurance: The insurance company shall be responsible for the compensation caused by the insured accident caused by the vehicle damage insurance or the third-party liability insurance for the insured in the event of vehicle damage insurance or third-party liability insurance.

7. Liability insurance for personnel on the vehicle: If the vehicle accident causes the injury of the personnel on the vehicle, the insurance company shall be responsible for compensation.

Hope it can be adopted by you!

Strong.

Come to risk

Compulsory traffic insurance is compulsory insurance for all vehicles in China

You must buy a type of insurance. In the unlikely event of a traffic accident, the insurance company can only accompany the party who was hit, which means that the conditions for compensation are limited. At the same time, if you do not buy compulsory traffic insurance, then the car will lose the qualification for annual inspection, therefore, it is not possible to buy compulsory traffic insurance.

Third Party Commercial Liability Insurance

Most car owners will choose to insure compulsory traffic insurance and third-party insurance. Since the amount of compensation paid by the compulsory liability insurance is limited, the purchase of the third insurance can compensate for the excess of the compulsory liability insurance. Even in the unlikely event of an accident, you will be able to receive a reasonable amount of compensation.

Deductible not included

Compared with the first two, car insurance is a basic type of insurance with independence, and insurance without deductible is an additional type of additional insurance for cars. Its effect is that if you have an accident to compensate for the cost of 1000 yuan, the insurance company will normally compensate you for 80% of the loss of 800 yuan, if you buy the deductible insurance, then you will transfer the remaining 20% of the amount you want to compensate to the insurance company, that is, you can get 100% of the compensation. Therefore, it is also necessary to purchase this type of insurance.

Car damage insurance

Car damage insurance is undoubtedly a necessary insurance with the widest scope of claims, regardless of the car has been damaged, such as collision, scratches, water soaking, etc., you can get the insurance company's claim, and the amount of compensation ultimately depends on the cause of the incident, the degree of damage and many other conditions to judge.

Compulsory traffic insurance, in fact, is a forced third-party liability insurance, BAI coverage: personal death, 110,000, personal injury doctor.

Zhi treatment 10,000, property damage 2000Standard.

DAO**950 yuan.

Car damage insurance, the damage caused by the vehicle during driving, the insurance company pays itself, and it is also the highest rate insurance in commercial insurance, and the specific ** is generally proportional to the price of the car.

The three liability insurance is a powerful supplement outside the scope of compulsory traffic insurance, with low rates and high insurance amounts. Coverage includes: personal injury, death, lost time expenses, nutrition expenses, property damage, etc. 500,000 sum insured, the premium is in the outcrop.

In addition, it is not deductible, it is an additional insurance, only if you buy one or more commercial insurance, you can buy without deductible, the premium is only a few hundred dollars, if you don't buy this deductible, there will be an accident, there will be 15% of the loss is out of your own pocket.

Compulsory traffic insurance is compulsory insurance by the state.

Commercial insurance is self-purchased and includes vehicle damage insurance, third-party liability insurance, theft insurance, and no deductible. Among them, the vehicle damage insurance includes some additional insurance.

It is divided into 4 main insurances: motor vehicle loss insurance, third-party liability insurance, theft insurance, and vehicle personnel liability insurance.

The state compulsorily copied.

Of: Compulsory traffic insurance.

Commercial insurance includes a lot, the main ones are:

1 Car damage insurance: The value of the car is high, and it must be there.

2. Third party liability insurance: It is necessary to have a major accident to avoid bankruptcy. (The compensation limit of compulsory traffic insurance for the third party is only 120,000), and the three generally must be more than 500,000.

3 There are many other additional insurances, including glass breakage insurance, vehicle personnel liability insurance, deductible insurance, full car theft insurance, scratch insurance, etc.

Car insurance is mainly divided into:Compulsory car insurance as well as commercial car insuranceCompulsory car insurance refers to compulsory traffic insurance, which is required to be purchased by the state, don't buy it, don't give it on the road, but it's an annual inspection. WhileCommercial auto insurance is a free choice for car owners

1. Types of car insurance

1.Compulsory traffic insurance

The full name is "compulsory insurance for motor vehicle traffic accident liability", which is compulsory insurance purchased by the state, and it is an illegal act not to buy compulsory traffic insurance to drive on the road. was caught by the traffic police, vehicle seizure and fines were indispensable. More knowledge of compulsory liability insurance is popularized here:

ExceptWhat kind of commercial auto insurance is the best configuration before hitting the road?

2.Car damage insurance

YesResponsible for paying for the damage to our vehicle, Every day when you drive a car, you will inevitably encounter small bumps, even if you don't park, you are afraid of typhoons and floods. cast

The insurance recommendation is to be fully insured, that is, how much the vehicle is worth and how much the insurance amount is bought.

3.Third Party Liability Insurance

Referred to as "three liability insurance", in the event of an accident, rightThe compensation for the direct loss of personal life or property suffered by a third party is a supplement to the compulsory traffic insurance.

4.Theft and theft

Claims can be made for theft of the vehicle for more than 60 days, and this car insurance is suitable for car owners who have been parked on the side of the road for a long time and the local security is not good.

5.Liability insurance for people on board

Frequent drivers, frequent trips with family and friends, novice drivers or ride-hailing drivers are also recommended to purchase on-board personnel liability insurance.

6.Deductible not included

If car owners want to reduce their losses, they can purchase additional deductible insurance and transfer their part to the insurance company again.

7.Scratch insurance

It is often parked outdoors or in places with many bears and children, so it is recommended to buy it.

Second, the car insurance configuration plan

The configuration scheme of car insurance is not certain, and many additional insurances can be selected according to the individual needs of car owners. I would like to enumerate two cases here.

Premium Cars Niche Cars:Compulsory traffic insurance + three liability insurance + car damage insurance + deductible insurance + glass breakage insurance.

This type of car has a high value, a high zero-to-whole ratio of vehicles, and a high maintenance of parts. Coverage is available on demand.

Low car value:Compulsory traffic insurance + three liability insurance + car damage insurance + deductible insurance.

Other types of insurance are available upon request.

Car insurance is divided into compulsory traffic insurance and commercial car insurance, compulsory traffic insurance is a type of insurance that the state compulsorily purchases, and commercial car insurance can be purchased according to the actual needs of car owners, among which car damage insurance, three-party insurance, and deductible insurance are necessary to purchase. In addition, there are many types of car insurance, but not all of them have to be bought, some types of insurance are not very useful, blind insurance will only waste premiums, so let's take a look at what are the classifications of car insurance and which ones are worth buying: what are the types of car insurance?

There are many types of car insurance, but these four types of car insurance are mandatory: Compulsory traffic insurance, car damage insurance, third-party insurance and deductible insurance, other commercial auto insurance can be purchased on demand.

1.Compulsory traffic insurance

Compulsory traffic insurance is a compulsory insurance purchased by the state, which is used to protect the rights and interests of victims in traffic accidents (excluding the car personnel and the insured). How much is the compulsory traffic insurance? How to pay?

2.Car damage insurance

Car damage insurance is a type of insurance that is used to cover the loss of our own vehicle. Car damage insurance has a wide range of compensation, whether it is damage to the vehicle caused by accidents such as bumps and bumps, falling objects from high altitudes, or damage to the vehicle due to natural disasters such as heavy rain, lightning strikes, mudslides, etc., car owners can apply for compensation, and the insurance company will compensate within a reasonable range, therefore, car damage insurance is also a necessary type of insurance for travel.

3.All three

The three-party insurance mainly protects the personal and property losses of the third party in traffic accidents, which is a supplement to the compulsory traffic insurance and must be bought. Although it has the same protection function as the compulsory traffic insurance, the compulsory traffic insurance is only the basic protection, and the amount of compensation is limited. In the event of a traffic accident, compulsory traffic insurance will be paid first, and the remaining part will be paid by the third-party insurance.

4.Deductible not included

In the event of an accident, the insurance company will not pay the full cost, because the car insurance has a deductible and a deductible, and we need to pay a part of the cost out of ourselves. However, with deductible insurance, the insurance company will pay the full amount after an accident, so it is necessary to purchase deductible insurance. But it should be noted thatIn some cases, the deductible insurance will not be fully compensated, and you must be clear about the scope of compensation and liability exemption clauses it applies to before purchasing, so as to avoid future claims disputes, and more knowledge about deductible insurance is here: