1, third-party liability insurance
In the accident, caused by other people except the driver and passengers of the car personal injury or death or property damage, the insurance company in accordance with the provisions of the compensation. For example, if you accidentally hit a motorized vehicle, the insurance company will be responsible for the damage to the vehicle and the cost of compensation for the injuries or death of the driver of the vehicle.
Suitable for people who are comfortable with themselves but not with others
2. Car damage insurance
It is responsible for compensating for the loss of the vehicle itself due to natural disasters or accidents. This is the most important type of vehicle insurance. To insure or not to insure this type of insurance, you need to weigh its impact. If you don't, you'll have to pay for all the repairs after a collision.
Suitable for the crowd: novice and short-tempered, driving style fierce people
3, the whole car theft insurance
insurance vehicle theft, robbery, the public security criminal investigation department filed a case to confirm that the full three months have not been identified the whereabouts of the insured vehicle or the insured vehicle in the theft, robbery, robbery, damaged during the period, or the loss of the car parts and appurtenances need to repair the reasonable cost of insurance company is responsible for compensation. The insurance company is responsible for the compensation of reasonable expenses.
Suitable for: Long-term night road, mountain road, or long-term parking in the informal parking lot of the car owner is recommended to buy.
4, deductible insurance
Only on the basis of both vehicle damage insurance and third-party liability insurance can you take out this insurance. The insurer is responsible for compensating the deductible amount calculated in accordance with the provisions of the basic insurance policy when the motor vehicle insured under this special insurance is involved in an insurance accident that results in compensation. In other words, the insurer will pay for all damages incurred by the vehicle under the vehicle damage insurance and the third party liability insurance after taking out this insurance.
Suitable for: those who can't stand the blow, things are quite a lot of car owners
5, scratch insurance
The insurance company is responsible for compensating for the actual loss of the insurance vehicle in the insurance period, the insurance company has no obvious traces of collision of the vehicle body surface paint alone scratches. Scratch insurance is an additional insurance of vehicle damage insurance, that is, you need to be insured in the case of vehicle damage insurance can be insured, can not be insured separately.
Suitable for:
Expanded Information:
One, the importance of car insurance:
1, the mandatory insurance to pay out less suggested that the newcomer to buy a car insurance
The mandatory insurance is mandatory to need to buy, and the car insurance, theft insurance The first thing that you need to do is to get a good deal on a new car, and you'll be able to get a good deal on a new car. However, if you are a newbie, it is inevitable to scratch and clash, then it is recommended to buy some commercial insurance.
Because the maximum damage compensation of compulsory insurance does not exceed 2,000 yuan, and there are conditions, that is, you can only be you crashed someone else's car, the compensation to you is only the repair costs of other people's cars. More than this amount needs to be out of the owner's own pocket. Just in case the novice can take out additional car damage insurance, together with the exclusion insurance, otherwise only 80% of the payout will be given.
It can be said that the car damage insurance is the highest utilization rate of claims. General minor collision accident to the car serious damage, need to rely on it to pay, reduce the owner's losses. To be clear, after the adjustment, the current insurance companies basically only use the purchase price of a new car this way to determine the premium.
2, car damage insurance can be insured in fact quite wide
Vehicle damage insurance coverage applies to five situations: First, the vehicle collision, overturning; Second, the vehicle fire, explosion; Third, the outside world objects collapsed or fell, the insurance vehicle driving parallel to the fall caused by the loss of the vehicle;
Fourth, the vehicle suffered a lightning strike, windstorms, tornadoes, torrential rains, flooding, tsunamis, subsidence, ice subsidence, tsunamis and so on, and so on. The fourth is the vehicle suffered lightning, tornado, rainstorm, flood, tsunami, ground subsidence, ice subsidence, cliff avalanche, avalanche, hail, mudslide, landslide and other natural disasters; fifth is the vehicle in the case of the vehicle has a driver with the boat care, the ferry carrying the insured vehicle suffered from the above natural disasters caused by the loss of the vehicle.
The owner of the vehicle can apply to the insurance company to pay for the damage caused by the above circumstances, and the insurance company will pay according to the agreement of the insurance terms. In addition, in the event of an insurance accident, the insured person to prevent or reduce the loss of the insured vehicle to pay the necessary and reasonable rescue costs, also borne by the insurer, up to the amount of the insurance amount.
From the above scope of compensation, car damage insurance is very necessary to buy, especially for some of the frequent travelers with friends and family, car damage insurance is a travel necessity.
References:
.CNN Car Insurance To Buy Or Not To Buy? What can be insured is actually quite broad