Car insurance, medical insurance, and external drug liability insurance are additional insurance types of third-party liability insurance. Car owners can choose additional insurance according to their own needs.
Automobile insurance and medical insurance external drug liability insurance can mainly protect the medical expenses that should be borne by the car owner to a third party after an accident occurs to the insured vehicle, and it is the part outside the scope of medical insurance. The insurance company shall bear the liability within the scope of liability. For claims liability, the insurance amount can generally be freely selected. The maximum insurance amount can be 50,000 yuan, and the minimum insurance amount can be 5,000 yuan.
The main insurance of commercial automobile insurance includes:
1. Car damage insurance: refers to the insured person or the driver permitted by him when using the vehicle, if an insured accident occurs and the vehicle is damaged. If the insured vehicle is damaged, the insurance company can make compensation within a reasonable range;
2. Vehicle personnel liability insurance: that is, seat insurance, which mainly protects the insured vehicle if an insured accident causes personal injury or death to persons in the vehicle. Insurance companies can make claims;
3. Third-party insurance: It can mainly protect personal casualties and property losses caused to third parties after an insured accident occurs;
4. Additional absolute Deductible: It belongs to commercial auto insurance. If you purchase three liability insurance, car damage and seat insurance, you can choose to add it. The absolute deductible is 0%-20%;
5. Additional wheel loss insurance; it belongs to commercial auto insurance. , can compensate for wheel loss;
6. Additional additional equipment loss insurance; it belongs to commercial auto insurance, such as modified sofas and other parts can be compensated;
7. Additional body scratch insurance; Commercial auto insurance can compensate for scratches on the vehicle without obvious signs of collision;
8. Additional compensation insurance for expenses during the repair period; it belongs to commercial auto insurance and will provide a certain subsidy every day during the repair period to compensate for lost work;
9. Additional liability insurance for cargo on the vehicle; it is a commercial vehicle insurance and can compensate for the loss of goods loaded on the vehicle;
10. Additional liability insurance for mental damage solibilities; it is a commercial vehicle insurance and can compensate the other party mental damages.
To sum up, auto insurance generally requires compulsory traffic insurance, and commercial auto insurance can be selected according to needs, such as car damage insurance, third party liability insurance, vehicle personnel liability insurance and additional insurances. When financial capabilities are limited, Below, you can give priority to commercial auto insurance according to your needs. It is recommended to purchase third-party liability insurance and auto damage insurance; if financial conditions permit, you can choose to insure all or multiple commercial auto insurances.
Legal basis:
Article 6 of the "Guidelines for the Management of Motor Vehicle Insurance Claims"
The company's auto insurance claims management and services should follow the following principles:
(1) Strengthen the centralized and unified management, control and supervision of the head office;
(2) Gradually realize a claims management service model that is process-based, information-based, normative, standardized and consistent throughout the entire process;
(3) Establish and improve claims management, risk control, and customer service information management systems that comply with compliance management and risk prevention and control measures;
(4) Ensure that the personnel of claims agencies at all levels Reasonable division of labor, clear responsibilities, clear responsibilities, adequate supervision, and implementation of assessments;
(5) Claims resource allocation must take into account cost control, risk prevention, service quality, and efficiency.