What is compulsory insurance, three persons insurance, passenger insurance, car items insurance please everyone 3Q

1. traffic compulsory insurance Promotion index: ★★★★★ (must be purchased) refers to the insurance company for the insured motor vehicle road traffic accidents caused by the vehicle personnel, the insured other than the victim's personal injury, property damage, within the limit of liability to be compensated for the mandatory liability insurance. The compulsory liability insurance for motor vehicle traffic accidents has a liability limit of 60,000 yuan, including 50,000 yuan for death and disability compensation, 8,000 yuan for medical expenses and 2,000 yuan for property damage. The insured is not responsible for the traffic accident, and the compensation limit is calculated according to 20% of the above three limits. 2. Vehicle damage insurance Respect index: ★★★★☆ (Optional) It is responsible for compensating the vehicle's own damage caused by natural disasters or accidents. This is the main type of automobile insurance. If you don't report this type of insurance, the insurance company will not be responsible for the repair cost of the vehicle after the collision and you will have to pay for it out of your own pocket, e.g., you don't need to apply for this type of insurance for a vehicle that is about to be scrapped and the repair cost is very low. It should be noted that the maximum limit of car damage compensation is the amount of your insurance, the current value of the vehicle is lower, in other words, even if you follow the 200,000 or even higher amount of insurance, more money are spent in vain. 3. Third Party Liability Insurance Promotion Index: ★★★★☆ (Optional) Since compulsory insurance only amounts to 60,000 yuan, you need to consider purchasing commercial third party insurance. As for the amount, you can judge according to their own situation, the main factor is still their own driving proficiency, if the driving experience is rich, you can consider less or do not buy, but for most of the just got a driver's license car enthusiasts, it is recommended to buy a certain amount of commercial third party insurance. 4 full car theft insurance Push index: ★★★☆ (optional) The loss of the whole car will pay, the loss of parts of the car is not compensated, for example, some time ago, the car said that the spare tire lost, in addition to complaining about the thief is too hard, there is no other way. Of course the vehicle is lost when the other property in the car, no matter how valuable, is also considered to be lost in vain. If your parking location is relatively reliable, work has unit parking lot, home community parking is also very reliable, then you can consider not to buy the insurance. Instead, it is recommended to purchase theft insurance. 5 deductible special insurance Push index: ★ (optional) in the car damage, three and other types of insurance out of insurance, traffic police judgment is very important, if the other party is fully responsible, you do not have to your insurance company out of the money, but if you have a certain responsibility (full responsibility, equal responsibility, part of the responsibility, etc.), your insurance company has the right to the size of the proportion of responsibility according to the size of your percentage of the deductibles have a certain percentage of deductibles. But because the insurance premium is very ghost, if your traffic awareness, driving level, parking safety is very high, buy this insurance is not very meaningful. 5 spontaneous combustion loss insurance esteem index: ★ (optional) This is the 1997 new increase in insurance, it compensates for the car due to electrical, wiring, fuel supply system failure or carrying goods of their own reasons for fire and combustion to the vehicle caused by the loss. The value of the insurance is not very large, but the rate is not low (0.4%). In reality, the vehicle spontaneous combustion accidents are rare, more than 100,000 yuan of medium- and high-grade car spontaneous combustion is even less. In addition, if the vehicle spontaneous combustion is related to the quality, the manufacturer should be liable for compensation. So do not promote the insurance. 6 car liability insurance Promotion index: ☆ (optional) caused by traffic accidents, drivers, passengers accidental injury insurance to compensate for the loss, buy sub-insurance, is entirely a psychological comfort, a figure of peace of mind. If you have purchased life insurance in the accidental injury insurance, you can consider not to buy. 7 glass alone broken insurance esteem index: ☆ (purchase) If your car is not very high-grade, the value of wind gear insurance is not very high. The reason for this is that the rates are too high: 0.15% for domestic cars and 0.25% for imported cars. For example, the premium for windshield insurance on a car worth 120,000 yuan is 180 yuan, but a front windshield is only about 300, so you can disregard it. 8 No-Fault Liability Insurance Promotional Index: ☆ (Optional) After hitting a person or car, the insured vehicle party is not at fault and should not be held liable for compensation. However, for some reason, the insurance company is responsible for compensating the other party for expenses that have actually been paid and cannot be recovered. However, there is a 20% deductible each time, i.e. a maximum of 80%. It is not meaningful to insure a general family car. 9 Loss of newly added equipment insurance (optional) When you have installed air conditioning, CD stereo, immobilizer, leather seats and other equipment that did not come with the vehicle from the factory, you can consider insuring the loss of newly added equipment. If you take out an insurance policy, you will be compensated by the insurance company in the event that the equipment is damaged in an accident. These equipments are usually installed in the car and rarely hit when an accident occurs. So there is little value in purchasing them.