1, compulsory insurance
It is compulsory motor vehicle insurance, and the insurance company compensates the victims (excluding the people on board) for personal injuries and property losses caused by road traffic accidents of the insured motor vehicles within the limits of liability. Simply put, compulsory insurance is "compulsory three liability insurance". Compulsory insurance cannot be taken off at will, and it is illegal to take off insurance.
2. Third party liability insurance
Referred to as "three liability insurance", it means that the insured or its licensed qualified driver has an accident in the process of using the vehicle, causing personal injury to a third party and direct loss of property, and the insurance company will pay for it. The compensation limit of the three liability insurance is selected by the insured, which is generally 50,000, 65,438+10,000, 1 .5,000, 200,000, 300,000, 500,000,110,000, mainly to supplement the deficiency of compulsory insurance.
3. Vehicle loss insurance
Vehicle loss insurance means that the insured vehicle suffers from natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer makes compensation according to the provisions of the insurance contract.
4. Vehicle personnel liability insurance
Referred to as "seat insurance" or "seat insurance", it is responsible for compensating the personal injury caused by the vehicle liability to the designated seat personnel. The average car owner chooses the compensation limit of 1 10,000 per seat. You can choose the compensation limit according to your own situation. This kind of insurance is equivalent to accident insurance.
5. Theft and rescue
If your car has been parked in a reliable and safe parking lot and there is no particularly secluded section on the way to and from work, you can consider not doing anti-theft and emergency rescue, but if your car belongs to a very ordinary model with a high loss rate, you must do anti-theft and emergency rescue.
6. The glass is broken separately.
It means that the glass of this car was broken separately during use. Pay attention to the word "one person". If it is caused by other accidents, there will be compensation in the car damage insurance.
Extended data:
New cars need insurance.
Compulsory Traffic Accident Liability Insurance for Motor Vehicles
Compulsory insurance is compulsory in China, and all vehicles must be purchased. In the event of a traffic accident, the insurance company can only accompany the injured party, which means that the conditions for compensation are limited. At the same time, if you don't buy compulsory insurance, then the car will lose its qualification for annual inspection. Therefore, it is impossible not to buy a compulsory insurance.
Third-party commercial liability insurance
Most car owners will choose compulsory insurance and three insurances. Because the amount of claims for compulsory insurance is limited, buying three insurances can make up for the part that compulsory insurance cannot claim. Even if there is an accident, you can get a reasonable amount of compensation.
Excluding deductible insurance
Compared with the first two, auto insurance is an independent basic insurance, and excluding deductible insurance is an additional insurance for automobiles. Its function is that if there is an accident, you have to pay 1 0,000 yuan. Under normal circumstances, the insurance company will compensate you 80%, which is the loss in 800 yuan. If you buy deductible insurance, you will transfer the remaining 20% to the insurance company, that is, you can get 1 0,000% compensation. Therefore, it is also necessary to buy this insurance.
Automobile damage insurance
Car damage insurance is undoubtedly the most extensive insurance coverage. No matter whether the car is damaged by collision, scraping or soaking in water, you can get compensation from the insurance company, and the amount of compensation ultimately depends on the cause of the incident, the degree of damage and many other conditions.
References:
Baidu encyclopedia-motor vehicle insurance