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 aim 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 2: What is full auto insurance? What is included? I just did two days of insurance training, and I feel very rewarding! I can't answer your question specifically for the time being, but I can only give some suggestions in theory:
Statistics of ordinary car owners show that motor vehicle insurance accounts for about 20% of the annual car maintenance cost. Don't think that you can claim compensation from the insurance company if you buy the so-called "full coverage" package recommended by the business personnel.
In fact, vehicles do not have the concept of all risks. The so-called all risks are just a combination of different types of insurance. So far, there is no insurance on the market that can completely protect vehicles. In addition to compulsory insurance, common insurances include car damage insurance, theft insurance, third-party liability insurance, deductible insurance, car body scratch insurance, glass breakage insurance, vehicle personnel liability insurance and spontaneous combustion insurance. At present, many companies randomly combine different types of insurance, and then call it "all risks".
So remind you, please read the insurance policy and insurance clauses carefully before signing the insurance policy. Especially the "exemption" part, because the reasons why insurance companies refuse to pay compensation are all picked out from here. For example, if your vehicle is damaged by drunk driving, the insurance company will not compensate you.
It is understood that the current motor vehicle insurance is divided into compulsory insurance, basic insurance and additional insurance. Among them, compulsory insurance is enforced by the state, with a maximum compensation of 60,000 yuan. Basic insurance includes vehicle loss insurance, commercial third party liability insurance, vehicle theft insurance and vehicle personnel liability insurance. Basic insurance can be purchased separately, and additional insurance must be selected on the basis of purchasing basic insurance. Additional risks include glass insurance, spontaneous combustion loss insurance and deductible insurance.
The insurance that car owners should buy includes commercial third party liability insurance. Due to the high medical expenses and the need to pay more than 300 thousand yuan after killing someone, the maximum compensation for compulsory insurance can only reach 60 thousand yuan, which is far from being able to bear the economic burden caused by the accident. It is recommended that car owners buy insurance without deductible, otherwise, in the event of a traffic accident, the insurance company will only pay 80% of the total loss at most. There is no need to buy spontaneous combustion loss insurance for new cars, because during the warranty period, once spontaneous combustion occurs, the manufacturer is responsible.
The following are some related concepts of vehicle insurance for your reference:
Vehicle loss insurance: Vehicle loss insurance refers to the loss of the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, and the insurer shall compensate the insured vehicle according to the provisions of the insurance contract.
Third-party liability insurance: Commercial third-party liability insurance refers to the insurer's accident, which causes personal injury or direct property loss to others, and the insurer makes compensation according to the provisions of the insurance contract.
Theft and rescue of the whole vehicle: responsible for compensating the personal injury and death of the people on the vehicle and the direct loss of the goods carried on the vehicle caused by the vehicle accident.
Glass separate insurance: other parts of the vehicle are not damaged during parking or use, only the glass is broken or broken separately, and the loss of glass is compensated by the insurance company.
Spontaneous combustion loss insurance: the loss of the insured vehicle caused by the failure of the vehicle circuit, line and oil supply system and the burning of the goods themselves.
Excluding the special risk of deductible: the insurance company is responsible for compensating the deductible borne by the insured in case of an insurance accident involving vehicle loss insurance or third party liability insurance.
Liability insurance for vehicle personnel: the insurance companies inside and outside the vehicle are responsible for compensation for the injuries caused by vehicle accidents.
Question 3: 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 4: What is auto insurance? how much is it? All insurances include compulsory insurance, car damage insurance, scratch insurance, third party liability insurance, theft insurance, glass insurance, personal insurance and additional equipment insurance.
Compulsory traffic insurance covers six seats or less, 950 seats or more, 1 100, travel tax 1.0L, 240 yuan (20 per month)1.0l, 420 yuan (35 per month), and vehicle loss insurance 1600.
Question 5: What does the auto insurance cover ● 1. Compulsory traffic insurance (statutory compulsory insurance): It is the statutory compulsory insurance stipulated in the Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles. The insurance company will compensate the insured motor vehicles for personal injuries and property losses caused by road traffic accidents within the limit of liability. Motor vehicles that have not participated in compulsory motor vehicle traffic accident liability insurance shall not be registered by the motor vehicle management department, and shall not be inspected by the motor vehicle safety technical inspection agency.
●2. Third-party liability insurance (main insurance): refers to the economic compensation liability that should be borne by the insured according to law. If an accident occurs in the process of using the insured vehicle by a qualified driver, the insurer will be responsible for compensation for direct property losses and casualties of a third party. According to the current compensation standard, it is recommended to buy at least 654.38+million yuan, and it is best to buy 200,000 yuan, because the price of 50,000 yuan, 654.38+million yuan and 200,000 yuan is not much different. In short, you can feel at ease after buying this kind of insurance.
●3. Vehicle loss insurance (main insurance): refers to the loss of the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract. This kind of insurance is just the opposite of the third party, because the three kinds of insurance are for others, while the car damage insurance is for yourself. Remember to buy car damage insurance.
●4. Theft rescue (main insurance): If your car has been parked in a relatively safe parking lot during daily use, and there is no particularly secluded road section on the way to and from work, you can consider not carrying out theft rescue protection (for cars with poor public security and no fixed parking lot in your area, or your car is a very common model with a high loss rate, you must carry out theft rescue protection).
●5. Vehicle personnel liability insurance (additional risks)
It is not recommended to buy personnel liability insurance on board, because the insurance rate is high and the coverage is still relatively narrow. It is recommended to consider life insurance products separately, and the insurance coverage and premium are generally lower and better! If your car is often used by family and friends or operated by vehicles, you can also consider buying some, but you don't need to buy too much. The guarantee amount is 1 10,000-20,000 yuan per seat.
●6. Separate glass breakage insurance (additional insurance): refers to the separate glass breakage during the use of this vehicle. Pay attention to the word "separate". If it is caused by other accidents, there is compensation in the car damage insurance. If it is a domestic car, glass is not expensive. If you want to save the premium, you can not buy it. You must specify the glass to import.
●7. Self-ignition insurance (additional insurance, including some clauses in vehicle damage insurance): reasonable expenses paid for vehicle loss and rescue due to the failure of vehicle electrical appliances, wiring and oil supply system and spontaneous combustion of goods. Well-known brands and new cars are not recommended, and cars over three years old are recommended to be considered. Some insurance companies also give away self-ignition insurance or include it in car damage insurance.
●8. Scratch risk (additional risk)
Scratched by others during use (no obvious collision marks), which needs to be repaired. Generally speaking, novices should buy a new car.
●9. Excluding deductible (additional risks): The insurance company shall be responsible for the deductible borne by the insured due to the insurance accident of vehicle loss insurance or third party liability insurance.
These are some insurance explanations.
Here are some of my own views:
1. Compulsory traffic insurance is compulsory according to national regulations, so it must be purchased.
2. It is recommended to buy third-party liability insurance of more than 300,000 yuan. There are too many luxury cars on the road now, so I can't afford to get hurt. If you are a novice, it is recommended to buy 500 thousand.
3. I also want to buy vehicle loss insurance, calculated according to the car price.
4. Theft and rescue, prevention first.
The glass is broken separately. If you often run the highway, buy it.
If you don't buy this, the insurance company will only bear most of the responsibility. If you buy it, the insurance company will bear 100%.
7. You don't need to buy scratch music. Vehicle loss insurance is 2000 yuan, free on site. Just go to the 4s shop and scratch it. There is no need to buy self-ignition insurance for new cars. If the new car catches fire, you can get it.
Summary: Compulsory insurance+third party liability insurance (300,000-500,000 yuan)+car damage insurance+burglary insurance+glass insurance+excluding deductible.
Question 6: What kinds of automobile total insurance are there? 1. All auto insurance refers to: compulsory insurance+car damage insurance+third party liability insurance+excluding deductible+vehicle personnel insurance, etc. And if possible, you can also add theft insurance, glass insurance, body scratch insurance and spontaneous combustion insurance.
Step 2 introduce in detail
Compulsory traffic insurance is enforced by the state, with a maximum compensation of 60,000 yuan.
Vehicle loss insurance: Vehicle loss insurance refers to the loss of the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, and the insurer shall compensate the insured vehicle according to the provisions of the insurance contract.
Third-party liability insurance: Commercial third-party liability insurance refers to the accident that the insurer causes personal injury or direct property loss to others, and the insurer makes compensation according to the provisions of the insurance contract.
Theft and rescue of the whole vehicle: responsible for compensating the personal injury and death of the people on the vehicle and the direct loss of the goods carried on the vehicle caused by the vehicle accident.
Glass separate insurance: other parts of the vehicle are not damaged during parking or use, only the glass is broken or broken separately, and the loss of glass is compensated by the insurance company.
Spontaneous combustion loss insurance: the loss of the insured vehicle caused by the failure of the vehicle circuit, line and oil supply system and the burning of the goods themselves.
Excluding the special risk of deductible: the insurance company is responsible for compensating the deductible borne by the insured in case of an insurance accident involving vehicle loss insurance or third party liability insurance.
Liability insurance for vehicle personnel: the insurance companies inside and outside the vehicle are responsible for compensation for the injuries caused by vehicle accidents.
Question 7: What types of insurance does automobile insurance cover? Hello! Generally speaking, vehicle all-around insurance refers to 6 routine items, and 6 routine items refer to: 1 vehicle loss insurance, 2 third-party liability insurance, 3 vehicle personnel liability insurance, 4 glass breakage insurance, 5 vehicle theft rescue insurance and 6 basic insurance without deductible. If necessary, there are generally spontaneous combustion insurance, water insurance, scratch insurance and so on.
I hope my answer can help you!
Question 8: 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 9: 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.