"Car insurance is automobile insurance, also known as motor vehicle insurance, refers to the insurance period, the insured motor vehicle due to natural disasters or accidents caused by personal injury or property damage, the insurance company is responsible for compensation of an insurance product.
Auto insurance is mainly divided into: compulsory insurance (mandatory to buy), commercial insurance (voluntary purchase).
The compulsory insurance includes: compulsory motor vehicle traffic accident liability insurance liability limits
I. Compensation limits for motor vehicles that are responsible for road traffic accidents
1. Death and disability compensation limit: 110,000 yuan
2. Medical expenses compensation limit: 10,000 yuan
3. Limit: RMB 2,000
II. Limit of compensation for motor vehicles not liable in road traffic accidents
1. Limit of compensation for death and disability: RMB 11,000
2. Limit of compensation for medical expenses: RMB 1,000
3. Limit of compensation for damage to property: RMB 100
Commercial insurance Typical coverage:
1. Vehicle damage insurance
2. Third-party liability insurance
3. Theft insurance
4. Vehicle occupant liability insurance
5. Scratches and damages to the bodywork
6. Separate glass breakage insurance
7. Spontaneous combustion insurance
8. Water-related insurance (engine damage insurance)
9. p>9. Designated Specialty Repair Specialty Insurance.
Judging an insurance can be the following:
1. Solvency
When it comes to the strength of the insurance company, it is natural to be concerned about whether the insurance company can pay.
According to the first quarter 2020 solvency report of Tianan Life published by the China Insurance Association, its comprehensive solvency adequacy ratio is 128.27%, the core solvency adequacy ratio is 112.01%, and the latest risk composite rating is B.
The CIRC's solvency requirements for insurance companies are:
①Core Solvency Adequacy ratio ≥50%
②Comprehensive solvency ratio ≥100%
③Risk composite rating ≥B
Satisfying the above three requirements, the solvency of the company is up to standard.
2, service rating
Of course, in addition to the company's strength and solvency, evaluation of an insurance company, its service rating is also very important, after all, insurance is a service industry. The so-called service rating is based on the comprehensive score, the insurance company is divided into four categories of A, B, C, D grade. According to the latest 2019 service rating results, the service rating of Tianan Property and Casualty Insurance is BBB, although it does not reach the A grade, the service quality of B grade is also very good, at least consumers are still very satisfied with Tianan's service! It deserves to be praised!
In domestic terms, Tianan's service quality is good