What are the types of insurance types of motor vehicle insurance?

Motor 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).

Compulsory traffic insurance, the full name of compulsory motor vehicle traffic accident liability insurance, 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 insured motor vehicle to compensate the victim within the liability limit for the personal and property losses caused by the insured motor vehicle road traffic accident, excluding the vehicle personnel and the insured.

Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling 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.

The types of motor vehicle insurance can be divided into compulsory insurance and commercial insurance according to the nature, and the types of car insurance can also be divided into basic insurance and additional insurance according to the scope of liability covered. Basic insurance includes third party liability insurance and vehicle damage insurance, and policyholders can choose to insure some of these insurances or all of them. Additional insurance includes theft insurance, seat liability insurance, spontaneous combustion insurance, glass breakage insurance, scratch insurance, and special insurance without deductible.

Glass breakage insurance and spontaneous combustion loss insurance are additional insurances for vehicle 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 policy, excluding deductibles, can be purchased independently.

Summary. Hello dear! Motor vehicle insurance is mainly divided into two parts: basic insurance and additional insurance.

The basic insurance is divided into vehicle damage insurance and third-party liability insurance. Additional insurance is divided into theft insurance, accident injury insurance for drivers and passengers, separate glass breakage insurance, spontaneous combustion loss insurance, and special insurance without deductible.

Hello dear! Motor vehicle insurance is mainly divided into two parts: basic insurance and additional insurance. The basic insurance is divided into vehicle damage insurance and third-party liability insurance.

The additional insurance is divided into theft insurance, accident injury insurance, glass breakage insurance, spontaneous combustion loss insurance, and special insurance without deductible.

1.Compulsory traffic insurance (statutory compulsory insurance): It is a statutory compulsory insurance stipulated in the "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability", and the insurance company shall compensate for the personal and property losses of the insured vehicle personnel and victims other than the insured due to the rubber demolition road traffic accident of the insured motor vehicle within the liability limit.

If the judgment is made as early as possible, the motor vehicle management department shall not register the motor vehicle that has not participated in the compulsory motor vehicle traffic accident liability insurance, and the motor vehicle safety technical inspection agency shall not inspect it. Hualu.com 2Third Party Liability Insurance (Main Insurance):

Refers to the qualified driver in the process of using the insured vehicle in the process of an accident caused by the direct loss of property and personnel of a third party, the insured shall be liable for economic compensation according to law, and the insurer shall be responsible for compensation. With the current compensation standard, it is recommended to buy at least 100,000 yuan, and it is best to buy 200,000 yuan, because the price of 50,000, 100,000, and 200,000 insurance is not much different. 3.

Vehicle loss insurance (main insurance): refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer shall compensate according to the provisions of the insurance contract. This type of insurance is the opposite of a third party.

Compulsory traffic insurance, commercial insurance, motor vehicle loss insurance.

1. The commercial auto insurance premium reform has gone through three stages, the first commercial auto insurance premium reform was in February 2015, the second commercial auto insurance was in June 2017, and the third commercial auto insurance premium reform was in March 2018.

Second, before 2015, the difference in car insurance premiums is not large, frequent insurance vehicles and long-term non-insurance vehicle premiums are similar, especially some overlord clauses, such as high insurance and low compensation, no liability deductible, so the first fee reform is for the change of premium calculation method, so that the car insurance rate and risk are more matched, the frequency of insurance is linked to the premium, and some overlord clauses are canceled.

3. The second fee reform is to reform the market chaos, such as cashback promos, gift packages, points exchange, deliberately expanding insurance accident losses, increasing insurance claims expenses, and improper benefit transfer.

Fourth, the third fee reform has further expanded the room for car insurance rates to float and encourage car owners to drive safely.

Therefore, good habits have a good life, which is not only safe but also saves money.

5. The cost of vehicle insurance is calculated according to the type of vehicle insured by the policyholder, the nature of use and the type of insurance that needs to be insured, etc., according to different types of insurance, and the cost required to be paid by the policyholder according to the amount. The formula for calculating the composition of the vehicle insurance premium is: vehicle loss insurance premium = basic insurance premium + insurance amount rate.

6. The vehicle insurance rate can be understood through the "Basic Rate Table of the Motor Vehicle Commercial Insurance Industry" formulated by the Insurance Association of China, and the main factors affecting the vehicle insurance premium include the policyholder's vehicle driving record, the policyholder's car model, the area where the policyholder often drives, whether the policyholder is continuously insured and whether the policyholder's insurance claim record is compliant.

7. Article 98 of the Road Traffic Safety Law of the People's Republic of China stipulates that if the owner or manager of a motor vehicle fails to take out compulsory insurance for the third liability of motor vehicles in accordance with the provisions of the state, the traffic management department of the public security organ shall detain the vehicle until it is insured 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.

Types of motor vehicle insurance: (1) Main insurance: 1. Vehicle loss insurance; 2. Third party liability insurance (compulsory traffic insurance).

2) Additional insurance: 1. Whole car theft insurance; 2. On-board liability insurance; 3. Liability insurance for on-board cargo drops; 4. Windshield glass breakage insurance; 5. Vehicle suspension loss insurance; 6. Bai Ranqing with loss insurance; 7. Newly added equipment loss insurance; 8. Excluding the special insurance for the exemption of reputation and bad reeds. Legal Calendar 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" mentioned 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.

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Hello dear! We are happy to answer for you, the classification of motor vehicle insurance is divided into two parts: basic insurance and additional insurance; The basic insurance is divided into vehicle damage insurance and third-party liability insurance. Additional insurance is divided into theft insurance, accident injury insurance for drivers and passengers, glass breakage insurance, spontaneous combustion loss insurance, and special insurance without deductible.

What is the classification of motor vehicle insurance.

Hello dear! We are happy to answer for you, the classification of motor vehicle insurance is divided into two parts: basic insurance and additional insurance; The basic insurance is divided into vehicle damage insurance and third-party liability insurance. The additional insurance is divided into theft insurance, accident injury insurance for drivers and passengers, and insurance for friends of the glass broken file alone, spontaneous combustion loss insurance, and insurance without deductible.

The process of buying insurance is:1Before applying for insurance, it is important to determine your protection needs and budget.

2.When applying for insurance, choose the product, and different types of products are suitable for people who are sleepy. If the sum insured is too low, it will not be able to provide due protection for mountain promotion.

3.After applying for insurance, carefully read the insurance conditions, especially the insurance liability and exclusion clauses.

The basic types of insurance are: basic insurance includes vehicle damage insurance and third party liability insurance. Third-party liability insurance is an insurance that covers the risk of third-party damage claims caused by accidents when the insured or the qualified driver allowed by the insured or its permitted qualified drivers is in use, and the state implements a compulsory third-party liability insurance system for motor vehicles.

There are additional insurances, mainly including additional theft insurance, additional deductible special insurance, etc.

Legal basis] Article 17 of the Road Traffic Safety Law of the People's Republic of China.

The state implements a compulsory third-party liability insurance system for motor vehicles, and establishes social assistance for road traffic accidents**. The specific measures are stipulated by ***.

Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall, in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China, take out compulsory insurance for traffic accident liability for motor vehicles.

These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.

The types of motor vehicle insurance are: basic insurance, including vehicle damage insurance and third party liability insurance. Third-party liability insurance is a type of insurance that covers the risk of damage claims by a third party caused by an accident caused by the accident of the insured or a qualified driver permitted by the insured or his or her permitted qualified driver when using the insured vehicle.

There are also additional insurances, which are an important part of motor vehicle insurance, mainly including additional theft insurance, additional deductible special insurance, etc. Engaging in insurance activities must comply with laws and administrative regulations, respect social morality, and must not harm the public interest. The parties to insurance activities shall follow the principle of good faith in exercising their rights and performing their obligations.

After the insurance contract is established, the policyholder pays the insurance premium according to the agreement, and the insurer begins to bear the insurance liability according to the agreed time. After the insurance contract is concluded, the policyholder may terminate the contract, and the insurer may not terminate the contract.

Legal basisArticle 13 of the Insurance Law of the People's Republic of China The insurance contract shall be established if the policyholder makes an insurance request and the insurer agrees to underwrite. The insurer shall issue an insurance policy or other insurance certificate to the policyholder in a timely manner.

The insurance policy or other insurance certificate shall clearly state the content of the contract agreed upon by both parties. The parties may also agree to set out the contents of the contract in other written forms. An insurance contract established in accordance with the law shall take effect from the time of its establishment.

The policyholder and the insurer may agree on the validity of the contract with conditions or a time limit.

Compulsory and commercial insurance.

Car insurance is a guarantee that protects the owner of the car and the car, and can be reimbursed in the event of an accident. According to the importance and compulsory, it is divided into two types, compulsory traffic insurance and commercial branch collapse insurance, which are introduced as follows.

1. Compulsory traffic insurance.

The full name of compulsory traffic insurance is "compulsory liability insurance for motor vehicle traffic groups or sensitive accidents", which is a compulsory liability insurance for the victim's personal and property losses caused by road traffic accidents caused by the insured motor vehicle within the liability limit, which does not include the vehicle personnel and the insured. Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law.

2. Commercial insurance.

Commercial insurance refers to a form of insurance that is operated by entering into an insurance contract for the purpose of profit, and is operated by specialized insurance companies. The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, the policyholder pays the insurance premium to the insurance company according to the contract, and the insurance company bears the liability for compensating for the property damage caused by the occurrence of the accident that may occur as agreed in the contract, or bears the responsibility of paying the insurance money when the insured dies, is disabled, sick or reaches the agreed age and period.

1) Motor vehicle damage insurance. That is, car damage insurance, the so-called car damage insurance, that is, the owner of the car in the process of driving, because of the accident caused by all or part of the loss of the vehicle, the insurer should be compensated in accordance with the insurance contract.

2) Motor vehicle third-party liability insurance. It refers to the economic responsibility that the insured or its group allows the driver to bear in the process of using the insured vehicle in the course of an accident, resulting in direct damage to the person or property of a third party, and the insurance company is responsible for compensation.

3) Liability insurance for persons on board the motor vehicle. If you buy the liability insurance for the people in the car, whether it is the driver or the passenger in the car, as long as you have an accident and suffer personal injury during the use of the car, the insurer will compensate according to the provisions of the contract.