Vehicle full insurance includes compulsory insurance car damage, insurance scratch insurance, third party liability, insurance theft insurance, glass separate insurance, car people insurance, additional equipment insurance, exemptions and so on.
The compulsory insurance is 950 yuan for less than six seats, 1100 yuan for more than six seats, vehicle tax is 240 yuan for less than 1.0L (20 per month), 1.0L 420 yuan (35 per month), and vehicle damage insurance is about 1600 yuan.
Scratch insurance is about 320 yuan, third-party liability insurance is 1,200 yuan with a coverage of 50,000 yuan, theft insurance is less than 1,000 yuan, glass insurance is about 500 yuan for domestic and about 1,200 yuan for imported, and additional equipment insurance depends on your additional equipment.
A, Compulsory Insurance
Compulsory insurance compensation includes death and disability costs, medical costs and property damage costs, due to the division into responsible and non-responsible, so the maximum amount of compensation in different cases of compulsory insurance are different. However, it should be noted that the compulsory insurance is to protect the "third party", that is to say, the owner of the vehicle and their own vehicles and car occupants are not within the scope of compensation.
Second, Car Damage Insurance
After the reform of car insurance, scratch insurance, glass insurance, theft insurance, water-related insurance and other additional insurance coverage have been included in the car damage insurance.
Three, Third party insurance
The insurer or its permitted driver, the use of the insured vehicle traffic accidents, resulting in the third party casualties or property damage, the law should be handed over to the insured person to bear the economic losses, can be handed over to the insurance company to compensate. From the definition of third-party liability insurance, it is easy to find that the insurance is compensation to the "third party" insurance, not compensation to themselves.
Four, Car Personnel Liability Insurance
The insured vehicle in a traffic accident, resulting in personal injury or death of the vehicle personnel, including medical expenses, lost wages, funeral expenses, etc., does not include compensation for moral damages. In addition, if the personnel is in the up and down or repair the car accident caused personal injury or death, does not belong to the scope of the claim, as well as suspected illegal / illegal ride, intentional injury or damage caused by natural disasters do not belong to the scope of the claim.