1, vehicle loss insurance
The car maintenance fee after your own crash. Including collisions, scratches (except scratches), floods and fires (spontaneous combustion or fire), falling objects from high altitude, losses caused by various natural disasters (except earthquakes and terrorist attacks), and even losses caused by natural disasters during ferry crossing (this situation is relatively rare).
2. Theft and rescue
If the car is stolen and not found after three months (60 days in some cases), the insurance company will compensate, but this will include depreciation expenses and an absolute deductible of 20%. For example, a new car bought at 65438+100000 will lose more than 70000 (90000 *80% of the fare) if it is stolen the next day.
3. Third party liability insurance
Refers to the maximum amount of one-time compensation, that is, the insurance company can compensate you so much money at most for an accident, and compensate the third party for the losses caused by the accident, including property and personal injury, but excluding mental damages and various indirect losses.
Extended data:
In motor vehicle insurance, vehicle loss insurance and third party liability insurance constitute the main types of insurance. With some additional risks, * * * provides various risk protection services for insurance customers.
The subject matter of vehicle loss insurance is the body of various motor vehicles and their parts and equipment. When the insured vehicle suffers from natural disasters or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, the insurer shall make compensation in accordance with the provisions of the insurance contract.
The insurance liability of vehicle loss insurance includes collision liability, overturning liability and non-collision liability, in which collision refers to the accidental contact between the insured vehicle and external objects.
The coverage of motor vehicle insurance is stipulated in the insurance contract, and it is not immutable. For example, Chinese mainland used to list theft as a basic liability, and later it was listed as an additional risk, that is, the insured could not obtain the protection of this danger without additional risk.
Baidu encyclopedia-third party liability insurance
Baidu encyclopedia-motor vehicle insurance