Vehicle commercial insurance can be voluntarily insured by the owner, can be bought or not, but if you do not buy, it means that the protection will be missing. Therefore, car owners can choose one or more of them according to their actual protection needs and premium budget, it will be more cost-effective:
1. car damage insurance, mainly on the insured car because of collision, external objects overturning, earthquake, windstorms, rainstorms, floods and other insurance accidents caused by the damage to the compensation, and its premiums are not expensive;
2. The third party liability insurance can be used to pay for personal injury and property damage caused by the third party after the insured car has been involved in an insurance accident. It is mostly used by car owners as a supplement to compulsory insurance, with a maximum coverage of 10 million, and the higher the coverage, the higher the premium;
3. Vehicle occupant liability insurance, which insures the insured against liability for injuries and deaths of vehicle occupants if the insured is permitted by the insurer to allow qualified drivers to use the insured vehicle in the process of an insured accident, which should be borne by the insured, and the insurance company can compensate for the liability according to the insurance contract. Compensation, the amount of coverage is usually determined by the insured and the insurance company to negotiate, generally each seat coverage by 1 to 50,000 to determine, the higher the coverage, the higher the premiums, mainly suitable for frequent driving with friends, or novice drivers to insure;
4. Scratch insurance, the main body can be protected without obvious traces of collision scratches;
5. Additional legal holiday limits Double insurance: insured car owners can choose to attach, mainly to ensure that if the insured person in the legal holiday insurance accidents, the three insurance coverage can be doubled after the claim;
6. Additional absolute deductible insurance: insured three insurance, car insurance and vehicle liability insurance can choose to attach, mainly to ensure that the insurance accident, the insured person needs to bear their own absolute deductible part of the economic compensation responsibility, but accordingly, the insured person will be able to pay for the insurance policy. The main insurance premium will be slightly cheaper;
7. Additional new equipment loss insurance: for example, the damage to the modified sofa and other parts can be claimed;
8. Additional mental damage compensation liability insurance: the main insurance can cover the other party's moral damages;
9. Additional cargo liability insurance: the main insurance can be insured against loss of goods on the insured car;
9. Additional cargo liability insurance: the main insurance can be insured against loss of cargo on the insured car;
9. Additional cargo liability insurance: the main insurance can be insured against damage to the insured car;
9. Additional Repair Period Expense Compensation Insurance: the main coverage is to pay a daily allowance during the repair period of the vehicle;11. Additional Engine Water Damage Exclusion Insurance: car owners who have purchased the car damage insurance can choose to attach the main insurance premium will be cheaper accordingly;
12. Additional Wheel Separate Loss Insurance: it can insure the wheel of the insured car for moral damage;
12. Additional Wheel Separate Loss Insurance: It can insure the insured car's wheel separate damage;
13. Additional Medication Liability Insurance: It can mainly reimburse the third party for the out-of-medicare medical expenses incurred due to the insured accident;
14. Additional Motor Vehicle Value-added Services Special Clause: The owner of the car can enjoy the value-added services after the attachment.