What types of coverage are included in Motor Vehicle All Insurance? How should car owners choose the

I am the so-called master of my car, and it is the most correct to choose the right car insurance for you. General private car commercial insurance mainly includes: vehicle damage insurance, third party liability insurance, etc

Liability insurance for people on board.

Glass breakage insurance, excluding deductible insurance and other types of insurance. Car owners should choose several of these insurance types according to the actual situation around them and their driving skills, vehicle conditions and other factors, so that they can not only get more comprehensive insurance protection, but also save premiums, killing two birds with one stone. Of course, if your driving skills are relatively poor and the surrounding environment of the vehicle is not good, then you should try to insure the motor vehicle full insurance, so that your car can enjoy more comprehensive protection, and you can also be prepared during the use of the vehicle.

However, car owners should still try to be cautious during the driving process, and do not think that the insurance company will pay for all their losses just because they have fully insured the car. Car owners must eliminate such wrong psychology and understanding after applying for full insurance.

What we often call full insurance is actually a relatively complete combination of insurance types.

Generally speaking, these 10 items are very complete car insurance: compulsory traffic insurance, car damage, theft, third party, excluding deductibles, drivers, passengers, spontaneous combustion, glass, scratches. It is recommended that new cars and novices go on a full insurance type.

Among them, compulsory traffic insurance is a must.

1. Motor vehicle loss insurance. The so-called car damage insurance is the car owner in the process of driving, because of the accident caused by all or part of the loss of the vehicle, the insurer should compensate in accordance with the insurance contract;

2. Full car theft insurance. Motor vehicle theft insurance means that the insured vehicle has not been found out after 60 days after the case is confirmed by the public security investigation department because it has been stolen, robbed or taken away. Or part of the insured vehicle has been stolen and its whereabouts are unknown.

are able to obtain compensation from these companies in accordance with the terms of the contract. It is worth noting that the public security investigation department must be a local department at or above the county level;

3. Third party liability insurance. Many people feel that the nature of third-party liability insurance and compulsory traffic insurance is very similar, in fact, there is still a very big difference in the amount of compensation, because the maximum amount of compensation that can be obtained by compulsory traffic insurance is only 110,000 yuan when the car owner is fully responsible. The purchase of motor vehicle third-party liability insurance is different, according to the different insurance amount paid by the owner can get compensation between 100,000 yuan and 20 million yuan;

4. Liability insurance for personnel on the vehicle. To put it simply, the driver and passengers on the car, including those who are getting on and off the car, suffer personal injury due to an accident in the process of using the car training, and the insurer will compensate according to the provisions of the contract.

Legal basisArticle 1 of the Model Clauses for Commercial Insurance of Motor Vehicles.

This insurance clause is divided into main insurance and additional insurance. The main insurance includes four independent types of insurance, including motor vehicle loss insurance, motor vehicle third-party liability insurance, motor vehicle occupant liability insurance, and motor vehicle theft insurance, and the policyholder can choose to insure all types of insurance, or you can choose to insure some of them. In accordance with the provisions of this insurance contract, the insurer shall bear the responsibility of insurance liability training and sales according to the type of insurance underwritten.

Riders cannot be insured on their own. In the event of any inconsistency between the rider and the main insurance provision, the rider shall prevail, and the main insurance policy shall prevail in the event of any inconsistency between the rider and the main insurance provision.

Automobile full insurance generally includes: compulsory traffic insurance, car damage insurance, third-party liability insurance, excluding deductibles, vehicle personnel insurance, etc., and can also be supplemented with theft insurance, glass insurance, body scratch insurance, spontaneous combustion insurance, etc.

1. Compulsory traffic insurance.

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which 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.

2. Third-party liability insurance.

Third party liability insurance (referred to as three liability insurance), full name: commercial third party liability insurance. It refers to the amount of compensation that should be paid by the insured in accordance with the law due to the direct loss of personal or property suffered by a third party due to an accident that occurs in the process of using the insured vehicle by a qualified driver permitted by the insured, and the insurer will compensate in accordance with the relevant provisions of the insurance contract.

3. Car damage insurance.

Car damage insurance refers to a kind of commercial insurance for automobiles that the insured or its permitted driver compensates within a reasonable range if an insured accident occurs and the insured vehicle is damaged due to an insured accident when the insured or its permitted driver is driving an insurable number of insured vehicles. Vehicle damage insurance and third-party insurance are the basic insurances of vehicle insurance, which mainly compensate for the loss of the insured vehicle and the loss caused to the third party by the insured vehicle in use.

4. Deductible insurance is not included.

The full name of the deductible insurance is "the special clause without deductible", which is an additional insurance to commercial insurance (car damage insurance or triple liability insurance). As an additional insurance, deductible insurance needs to be insured with the "main insurance" as the precondition for insurance, and cannot be insured separately. Its insurance liability is usually "specifically agreed."

It is divided into compulsory insurance and commercial insurance. Commercial insurance is further subdivided into main insurance and additional insurance, the main insurance includes vehicle loss insurance, third-party liability insurance, driver and passenger insurance, theft insurance, and additional insurance includes glass break insurance, scratch insurance, and deductible insurance.

Car damage, three thefts, and people on the car are not deductible.

New cars, new drivers, generally all-in.

Including: compulsory traffic insurance.

Car damage insurance (200,000).

Theft Insurance: Liability Insurance for Persons on the Vehicle: Driver (10,000), Passengers (10,000 x (Number of Seats-1)), Glass Insurance, Scratch Insurance.

Deductible is not included.