Compulsory traffic insurance is a kind of insurance that car owners must take out, including material losses and personal injuries. It is understood that under normal circumstances, the standard premium for compulsory insurance that needs to be paid in one year is 950 yuan, and the standard premium for compulsory insurance that should be paid under the floating rate system is divided into multiple grades according to the situation, which generally reflects the principle of "rewarding the excellent and punishing the poor".
Different from compulsory insurance, there are many types of commercial insurance, which are roughly as follows:
1. Car damage insurance: After the car is damaged, the insurance company can repair it for you and insure it according to the purchase price of the new car. The insured amount is determined by the unified vehicle purchase price quotation platform according to the brand model.
2. Third-party insurance: if an accident occurs during the use of the vehicle, causing personal injury or property loss to a third party, the insured or the driver shall bear the economic responsibility and the insurance company shall compensate.
3. Separate glass breakage insurance: refers to the insured's insurance for the windshield and window glass (excluding headlights and rearview mirror glass) of the insured vehicle. During the insurance period, if the windshield or window glass of the insured vehicle is broken separately during use, the insurer will be responsible for compensation according to the actual loss.
4. Vehicle attendant insurance: refers to the person who is liable for compensation for the traffic accident of the insured vehicle, resulting in casualties of the vehicle.
5. Self-ignition insurance: In order to reduce the rescue cost of the insured vehicle, the insurer is responsible for compensating for problems in the oil supply system such as oil circuits, circuits and lines in the vehicle, as well as vehicle losses caused by friction and fire during motor vehicle operation.
6. Car theft and emergency rescue: if the car is stolen and cannot be found within 3 months as proved by the public security organ, it will be lost at a discount of 20% (if the insurance does not include deductible insurance, there will be no discount), and the insurance will be insured at the depreciation price.
7. Excluding deductible insurance: If you don't insure this insurance, when you are out of danger, you will be deducted 20% from the total liability, 65,438+05% from the main liability, 65,438+00% from the same liability and 5% from the sub-liability (some companies can insure separately, including car damage, three aspects, people on board, theft and robbery; Some companies have been merged.