"All Risks" can't cover everything, but it is generally available.
(1) main insurance
A. vehicle loss insurance:
B. third-party liability insurance (compulsory insurance).
(2) Additional risks
A. vehicle theft and emergency rescue:
B. Vehicle liability insurance:
C. On-board cargo fall liability insurance:
D. risk of windshield breakage only:
E. loss insurance for vehicle stopping:
F. White fire loss insurance:
G. New equipment loss insurance:
H. special risks excluding deductibles.
The responsibilities of various types of automobile insurance are as follows:
(1) Vehicle loss insurance:
Be liable for the loss of the insured vehicle itself caused by natural disasters or accidents.
(2) Third party liability insurance:
Responsible for the liability for compensation for personal injury or direct loss of property of others (that is, third parties) caused by accidents involving the use of insurance vehicles.
(3) Vehicle theft rescue:
Be responsible for all losses caused by theft, robbery and robbery of the insured vehicle, and the liability for compensation for losses caused by vehicle damage or loss of vehicle parts during the period.
(4) Vehicle liability insurance:
Be liable for the personal injury or death of the insured vehicle and the direct damage to the goods carried on the vehicle caused by the accident.
(5) Vehicle-borne cargo fall liability insurance:
Bear the liability for compensation for the loss of goods during the use of the insured vehicle, resulting in personal injury or direct loss of property to a third party.
(6) Risk of windshield breakage only:
Responsible for compensating the loss of the insured vehicle when it is parked or used, but other parts are not damaged, only the windshield is broken separately.
(7) Vehicle loss insurance:
If the vehicle body is damaged or the vehicle is suspended due to an accident within the scope of vehicle loss insurance, the insurance company shall compensate the vehicle loss.
(8) Spontaneous combustion loss insurance:
The insurance company shall be responsible for the loss of the insured vehicle caused by the failure of the vehicle circuit, line and oil supply system and the fire and burning of the goods themselves.
(9) New equipment loss insurance:
If an insurance accident within the scope of vehicle loss insurance causes direct losses to vehicles, the insurance company shall calculate compensation according to the actual losses. If the newly-added equipment is not insured by this insurance, the insurance company will not be liable for the loss.
(10) Special insurance without deductible.
Question 2: What does all auto insurance mean? (1) main insurance.
A. vehicle loss insurance:
B. third-party liability insurance (compulsory insurance).
(2) Additional risks
A. vehicle theft and emergency rescue:
B. Vehicle liability insurance:
C. On-board cargo fall liability insurance:
D. risk of windshield breakage only:
E. loss insurance for vehicle stopping:
F. White fire loss insurance:
G. New equipment loss insurance:
H. special risks excluding deductibles.
The responsibilities of various types of automobile insurance are as follows:
(1) Vehicle loss insurance:
Be liable for the loss of the insured vehicle itself caused by natural disasters or accidents.
(2) Third party liability insurance:
Responsible for the liability for compensation for personal injury or direct loss of property of others (that is, third parties) caused by accidents involving the use of insurance vehicles.
(3) Vehicle theft rescue:
Be responsible for all losses caused by theft, robbery and robbery of the insured vehicle, and the liability for compensation for losses caused by vehicle damage or loss of vehicle parts during the period.
(4) Vehicle liability insurance:
Be liable for the personal injury or death of the insured vehicle and the direct damage to the goods carried on the vehicle caused by the accident.
(5) Vehicle-borne cargo fall liability insurance:
Bear the liability for compensation for the loss of goods during the use of the insured vehicle, resulting in personal injury or direct loss of property to a third party.
(6) Risk of windshield breakage only:
Responsible for compensating the loss of the insured vehicle when it is parked or used, but other parts are not damaged, only the windshield is broken separately.
(7) Vehicle loss insurance:
If the vehicle body is damaged or the vehicle is suspended due to an accident within the scope of vehicle loss insurance, the insurance company shall compensate the vehicle loss.
(8) Spontaneous combustion loss insurance:
The insurance company shall be responsible for the loss of the insured vehicle caused by the failure of the vehicle circuit, line and oil supply system and the fire and burning of the goods themselves.
(9) New equipment loss insurance:
If an insurance accident within the scope of vehicle loss insurance causes direct losses to vehicles, the insurance company shall calculate compensation according to the actual losses. If the newly-added equipment is not insured by this insurance, the insurance company will not be liable for the loss.
(10) Special insurance without deductible:
In case of vehicle loss insurance or third-party liability insurance accident for the vehicle covered by this insurance, the insurance company shall be responsible for compensating the deductible borne by the insured. In other words, after taking out this insurance, the insurance company will pay all the losses in the vehicle loss insurance and the third party liability insurance.
Question 3: What does full auto insurance mean? Including those risks, auto insurance is divided into: first, compulsory insurance; The second is commercial insurance. The two major compulsory insurance are compulsory by the state, and all vehicles that want to go on the road must be insured. Commercial insurance is self-insurance auto insurance. The main risks of commercial insurance are: 1, car damage insurance 2, and three risks (one or both of the two main risks can be insured when buying insurance). Only the main insurance can be insured, but the additional insurance cannot be insured separately. The additional insurance is: 6544. 2. Theft and rescue; 3. Fire self-ignition insurance; 4. Only the risk of broken glass; 5. Body scratch insurance; 6. On-board cargo insurance (truck) 7. Excluding deductible insurance (car damage insurance, three risks, personnel insurance, theft and emergency rescue)
Adopt it
Question 4: What (1) main risks are included in all vehicle insurance?
A. vehicle loss insurance:
B. third-party liability insurance (compulsory insurance).
(2) Additional risks
A. vehicle theft and emergency rescue:
B. Vehicle liability insurance:
C. On-board cargo fall liability insurance:
D. risk of windshield breakage only:
E. loss insurance for vehicle stopping:
F. White fire loss insurance:
G. New equipment loss insurance:
H. special risks excluding deductibles.
The responsibilities of various types of automobile insurance are as follows:
(1) Vehicle loss insurance:
Be liable for the loss of the insured vehicle itself caused by natural disasters or accidents.
(2) Third party liability insurance:
Responsible for the liability for compensation for personal injury or direct loss of property of others (that is, third parties) caused by accidents involving the use of insurance vehicles.
(3) Vehicle theft rescue:
Be responsible for all losses caused by theft, robbery and robbery of the insured vehicle, and the liability for compensation for losses caused by vehicle damage or loss of vehicle parts during the period.
(4) Vehicle liability insurance:
Be liable for the personal injury or death of the insured vehicle and the direct damage to the goods carried on the vehicle caused by the accident.
(5) Vehicle-borne cargo fall liability insurance:
Bear the liability for compensation for the loss of goods during the use of the insured vehicle, resulting in personal injury or direct loss of property to a third party.
(6) Risk of windshield breakage only:
Responsible for compensating the loss of the insured vehicle when it is parked or used, but other parts are not damaged, only the windshield is broken separately.
(7) Vehicle loss insurance:
If the vehicle body is damaged or the vehicle is suspended due to an accident within the scope of vehicle loss insurance, the insurance company shall compensate the vehicle loss.
(8) Spontaneous combustion loss insurance:
The insurance company shall be responsible for the loss of the insured vehicle caused by the failure of the vehicle circuit, line and oil supply system and the fire and burning of the goods themselves.
(9) New equipment loss insurance:
If an insurance accident within the scope of vehicle loss insurance causes direct losses to vehicles, the insurance company shall calculate compensation according to the actual losses. If the newly-added equipment is not insured by this insurance, the insurance company will not be liable for the loss.
(10) Special insurance without deductible:
In case of vehicle loss insurance or third-party liability insurance accident for the vehicle covered by this insurance, the insurance company shall be responsible for compensating the deductible borne by the insured. In other words, after taking out this insurance, the insurance company will pay all the losses in the vehicle loss insurance and the third party liability insurance.
Question 5: What does social insurance mean? Social insurance is the abbreviation of social insurance, including endowment insurance, industrial injury insurance, maternity insurance, unemployment insurance and medical insurance.
Endowment insurance is responsible for providing for the aged after retirement.
Industrial injury insurance is responsible for the handling of industrial accidents.
Maternity insurance is responsible for the reimbursement of maternity leave wages and medical expenses when giving birth to children.
Medical insurance is responsible for reimbursing medical expenses when you are sick.
Unemployment insurance is responsible for maintaining a basic life of up to 24 months when you are unemployed.
Question 6: What do all the items of automobile insurance mean? Third-party liability insurance, which compensates for the loss of other people's cars caused by its own responsibility, with a general coverage of 10w, up to 50w；;
Car damage insurance, compensation for the losses caused by your own responsibility, the amount of insurance is generally in accordance with the depreciation price of the car;
Theft and rescue, compensation when the whole car is stolen, the insurance amount is generally slightly lower than the car damage insurance;
Personnel liability insurance on the car is bought according to the number of seats on the car. The insured amount is 1w yuan per seat, and generally 1w is bought.
Spontaneous combustion insurance, vehicle spontaneous combustion is to compensate for losses;
Glass breakage insurance, compensation for the loss of automobile glass breakage caused by non-traffic accidents;
Car body scratch insurance, compensation for car body scratches caused by non-traffic accidents;
Excluding the deductible, if you don't buy this item, the above items will have an absolute deductible, that is, insurance companies with a certain amount (several hundred dollars) will be exempted from liability (no loss).
Compulsory traffic insurance, which is compulsory by the state, is similar to third-party insurance in nature and compensates the other party for the loss of people and cars.
The first few items are all commercial insurance, and the last compulsory insurance is compulsory by the state. Generally speaking, "all risks" or "all risks" refer to "six basic items": car damage insurance, third party insurance, burglary insurance, crew liability insurance and glass insurance, excluding deductible. But you can't be sure. Be sure to ask what full coverage is, the specific amount of coverage, etc. Because the type of insurance and the amount of insurance directly affect the amount of insurance premium.
Question 7: What exactly is the content of all auto insurance? We must first understand the contents of all auto insurance, and we must not be superstitious about all auto insurance. When we buy auto insurance, we often hear salesmen recommend "all risks". Some people who take out auto insurance for the first time will easily think that all insurance is all kinds of insurance. In fact, automobile total insurance is just a colloquial abbreviation. At present, the insurance industry does not have a standardized definition of total insurance. But in general, all risks often mean that the owner has insured four basic risks: compulsory insurance, car damage insurance, third party liability insurance and theft insurance. It is wrong to say that auto insurance includes all kinds of insurance. For example, auto insurance does not include additional risks. It is understood that under normal circumstances, the protection of new car owners is more comprehensive. In addition to the compulsory insurance stipulated by the state, we will also buy basic insurance such as car damage insurance, third party liability insurance, theft insurance, vehicle personnel liability insurance, glass breakage insurance, car body scratch loss insurance, and no special exemption clauses. In addition, some car owners will also buy some special engine loss insurance and new equipment loss insurance.
In addition, the deductible clause needs to be explained. If you take the so-called all-insurance car, it does not include all kinds of insurance, nor does it mean that all risks are settled by insurance companies. According to the Ping An clause, the insurance without deductible no longer appears as a separate type of insurance, but as a coefficient, which you can choose according to your own needs. Both vehicle loss insurance and third party liability insurance have corresponding accident liability deductible coefficient, that is, excluding deductible coefficient, and other types of insurance do not have this coefficient. At the same time, all insurance companies have indicated in the insurance clauses the deductible that should be borne according to the driver's responsibility when the accident occurs. These regulations are designed to encourage drivers to drive safely and reduce the chances of accidents.
I believe many people have understood a misunderstanding, that is, all auto insurance includes various types of insurance. As for what all auto insurance covers, under normal circumstances, all insurance often means that the owner has insured four basic insurances: compulsory insurance, car damage insurance, third party liability insurance and theft insurance. In order to get claims when they appear, many people buy all insurance when they buy insurance. In fact, there is no real all risks. Therefore, when salesmen promote the so-called "all risks", the insured must pay close attention to the coverage of insurance products, and never think that all risks of automobiles include all types of insurance.
Many novice new cars on the road, in order to get comprehensive protection, will listen to the "all risks" recommended by the auto insurance intermediary salesman. However, most car owners mistakenly think that all auto insurance types are insured against all risks, thinking that all risks are foolproof, thus ignoring the "dead ends" of all insurance claims. This misunderstanding will happen, many times because the owner does not know what kind of insurance is included in the total insurance. What are the guarantees? What are the deductibles? Mastering these knowledge points can help car owners defend their rights and avoid disputes with insurance companies in the future.
There is no "all risks" insurance for auto insurance, and it is impossible to have "all-inclusive" insurance. This is just the rhetoric of some agents when introducing customers, which means that several types of insurance insured by customers may cover some common risks. Auto insurance products are compulsory insurance plus commercial insurance, and there are as many as 20 kinds of commercial insurance, so it is not necessary and impossible for car owners to guarantee all of them. So what types of insurance do all the risks often mentioned in the market include? Generally speaking, the whole bank in the market includes: compulsory insurance, car damage insurance, commercial three-party insurance, vehicle personnel liability insurance, burglary insurance, scratch insurance and separate glass breakage insurance, excluding deductible insurance.
Many car owners will ask the question: "Since it is named All Risks, how strong is its protection?" In fact, all insurance covers a wide range of types of insurance, and the scope of protection is also relatively wide, and new car novices are more likely to have problems on the road. Insuring "all risks" is also for more peace of mind. It is biased for consumers to understand all risks as the protection of all risks during driving. Moreover, the insurance company's coverage of "all risks" is different, so we can't blindly think that "all risks" = "total compensation".
Therefore, in addition to knowing what types of insurance are included in the all-insurance policy, we should also know ten common cases of non-compensation in the all-insurance policy: 1, and we will not pay compensation when we call our own home; 2 lamps or mirrors are damaged separately, and no compensation will be paid; 3, can not find a third party perpetrators do not compensate; 4. Engine damage caused by forced ignition in deep water shall not be compensated; 5. Do not compensate for the losses caused in the process of vehicle maintenance; 6. Uninsured trailer accidents will not be compensated; 7. Equipment installed privately will not be compensated; 8. No compensation for the damage caused by the articles in the car; 9. Without direct maintenance, no compensation will be paid; 10, the stolen vehicle parts will not be compensated. ...& gt& gt
Question 8: What is full insurance, including what insurance? All commercial insurance includes
Car damage
Among the three (ranging from 500,000 to 500,000), the average company can underwrite up to 300,000 people.
Passengers (passengers and drivers) are optional.
Car robbery
Body abrasion
Naturally (the new car was nailed by the manufacturer, so it was not used in the first year)
glass
Engine wading
No deductible
That's basically it.
I suggest you discount yourself and find an agent. It can be cheaper. More than 3000 yuan should be able to handle it.
Question 9: What does compulsory insurance for private cars mean?
In general, it is best to buy compulsory insurance, third party liability insurance, vehicle personnel liability insurance and deductible insurance.
Automobile insurance mainly includes compulsory insurance and commercial insurance. Compulsory insurance is compulsory by the state. Compared with compulsory insurance, automobile commercial insurance is purchased by the owner himself.
The insurers of compulsory insurance are Chinese-funded insurance companies and their agencies authorized by the China Insurance Regulatory Commission. Only one compulsory insurance is required for each motor vehicle, and the insured can decide or choose to buy commercial insurance with different liability limits according to their own needs.
All risks refer to: compulsory insurance+car damage insurance+third party liability insurance+excluding deductible+vehicle personnel insurance, etc. And if possible, you can add theft insurance, glass insurance, body scratch insurance and spontaneous combustion insurance.
( jingyan.baidu/...9 )
Question 10: What does all risks mean? Including what is compulsory insurance, compulsory traffic insurance and travel tax, which is required by the state.
General insurance is generally commercial insurance with a term of 6+ 1.
It is car damage+third party liability+robbery+people on board+glass+scratches+no deductible.
Generally speaking, all risks are the above six kinds of commercial insurance plus compulsory insurance, because you have to pay compulsory insurance ~