Is Gaokeng Village in Chendai a medium risk area?

Auto insurance is composed of two parts, the first is "compulsory insurance", compulsory insurance is essential and must be bought. The second part is commercial insurance, which includes: vehicle loss liability insurance main insurance (main insurance), commercial third-party liability insurance (main insurance), full vehicle theft insurance, vehicle personnel insurance, glass breakage insurance, body scratch insurance, natural insurance, etc., which can be purchased optionally.

If you want to pass on the risk to the insurance company when the risk of a traffic accident that you can't get is reduced, then you should supplement your pants and buy "commercial insurance".

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance slippery failures"pits"

Commercial third-party insurance adopts the principle of fault liability, and the insurance company will determine the amount of compensation according to the liability of the insured in the traffic accident. After a traffic accident, if the traffic police determine that you are fully responsible, then the insurance company will bear 80% of the third party's losses; You bear the primary liability, and the insurance company bears 85%; You bear half of the responsibility, and Huiji Insurance Company bears 90% of Maeno Jin; You bear the secondary liability, and the insurance company bears 95%, extended reading: [insurance] how to buy, which is better, and teach you to avoid these of Chiekai insurance"pits"

。And according to the seats, models, and tonnage are divided into different grades, and there is a fixed fee. The second is commercial insurance, and there are many types of commercial insurance, which are divided into car damage insurance.

Third party liability insurance, and on-board personnel liability insurance, etc.

How to calculate the calculation of car insurance, the calculation of compulsory traffic insurance is very simple, taking a 5-seater car as an example, the basic premium of compulsory traffic insurance is 950, in addition to the calculation of diplomatic compulsory insurance is also related to the traffic accident rate of the previous year or several years, if there is no road traffic accident in the last three years, it will be reduced by 30%; If there is no road traffic accident in the previous two years, it will be reduced by 20%; In the event of a road traffic accident in the previous year for which the liability does not involve fatalities, the rate does not fluctuate. In the case of two or more road traffic accidents in the previous year, the increase will be 10%. In the case of a road traffic fatality accident in the previous year, the increase is 30%.

How to calculate car insurance The calculation of commercial insurance, the calculation of commercial insurance mainly depends on the combination of insurance you buy, in fact, there is a very convenient way, that is, through the online car insurance calculator to calculate. In fact, only car owners need to fill in a few simple items of vehicle and personal information, and the Sunshine car insurance calculator can propose various combinations of car insurance according to the actual situation of car owners, and the calculation of car insurance can be completed in a few minutes. Moreover, the commercial insurance of private cars saves 15%, which is more convenient and cost-effective.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Commercial third party liability insurance refers to the use of insurance by the insured or its permitted drivers.

If an accident occurs during the passage of the internal insurance vehicle, resulting in direct damage to the person or property of a third party, the insurance company shall be responsible for the economic responsibility borne by the insured in accordance with the law. The compensation items of commercial third-party insurance include: property loss of the three, medical expenses of the three, lost work expenses, food expenses, nursing expenses, secondary expenses, disability subsidies, death compensation, maintenance expenses, etc.

Legal basis] Article 2 of the Insurance Law stipulates that the term "insurance" in this Law refers to the commercial insurance behavior in which the policyholder pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the liability for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Compulsory motor vehicle traffic insurance is the abbreviation of compulsory insurance for motor vehicle traffic accident liability.

Compulsory motor vehicle traffic accident liability insurance, referred to as compulsory traffic 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 (hereinafter referred to as the "Regulations") stipulate that compulsory traffic insurance is a compulsory liability insurance that compensates the victims (excluding the vehicle personnel and the insured) for the personal and property losses caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

Compulsory traffic insurance is a third-party liability insurance, which is an insurance that compensates the party who was hit.

Commercial insurance depends on how much you have entered, what is the amount of insurance, the maximum compensation is the amount insured, he can ignore the excess part, and he should be compensated if it does not exceed.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

This is a must, it must comply with the laws and regulations of the country, and the terms of commercial insurance are based on the insurance law. It's not arbitrary.

If it does not match, it will lose the validity of laws and regulations.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"