Car owners prefer to buy new cars, many of which are novice drivers, so they should buy more insurance, in addition to natural insurance (but if it is a long-distance bus with modified audio and electronic circuits or a more expensive car, it is recommended to buy self-ignition insurance, which is more secure), and other types of insurance should also be considered.
Automobile insurance mainly includes compulsory insurance and commercial insurance. Compulsory insurance is a compulsory insurance system stipulated by national laws; Vehicle commercial insurance is divided into basic insurance and additional insurance according to the scope of protection. Basic insurance includes vehicle loss insurance, third party liability insurance, vehicle personnel liability insurance and vehicle theft rescue. , and each has additional risks: glass breakage insurance and scratch insurance are additional risks of body loss insurance, and these additional risks can only be insured after vehicle loss insurance is insured; Insurance does not include special insurance for deductibles. You can add special insurance for those basic risks. Details are as follows:
First of all, you need to buy compulsory motor vehicle traffic accident liability insurance (referred to as compulsory insurance). Compulsory traffic insurance is a compulsory liability insurance for insurance companies to compensate the victims (excluding the people on board and the insured) for personal injury and property losses caused by road traffic accidents of insured motor vehicles within the limits of liability. Compulsory traffic insurance is compulsory insurance stipulated by national laws, and its premium is subject to the unified national charging standard.
Secondly, you can choose to buy some commercial insurance as a supplement to compulsory insurance to protect vehicles and the insured.
1. Third-party commercial liability insurance (referred to as "three liability insurance"). The liability insurance of the three parties refers to the accident that occurs when the insured or his authorized legal driver uses the insured vehicle, resulting in personal injury or direct property loss to a third party. According to the law, the insured bears economic responsibility and the insurance company is responsible for compensation. Non-compulsory insurance, because compulsory insurance has low compensation for property losses and medical expenses of third parties, you can consider buying third-party liability insurance as a supplement to compulsory insurance. The additional three liabilities do not include the deductible clause.
2. Vehicle liability insurance (including drivers and passengers). Vehicle liability insurance refers to the economic compensation liability that the insured should bear according to law and the necessary and reasonable rescue and protection expenses paid to reduce the losses when the motor vehicle insured by this insurance has an accident in use, resulting in direct damage to the goods carried by the insured vehicle and personal injury or death of the people on board. The insurance company shall calculate the compensation within the insurance compensation limit specified in the insurance policy. Additional automobile liability is not included in the deductible clause.
3. Vehicle loss insurance. Vehicle loss insurance refers to the loss of the insured vehicle itself caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability. The vehicle loss insurance of most insurance companies generally covers the loss of insured vehicles and related rescue expenses caused by natural disasters such as lightning strike, storm, rainstorm and flood and accidents such as collision and overturning. Additional car damage insurance is not included in the deductible clause.
4. Loss insurance for vehicle theft and rescue (hereinafter referred to as theft and rescue). The insurance liability for theft and emergency rescue covers the losses caused by the theft, robbery and robbery of the whole vehicle, as well as the reasonable expenses for being damaged during the theft, robbery and robbery, or the expenses for repairing the loss of parts and accessories on the vehicle. Extra theft and robbery are not deductible.
In addition, according to the use of individuals or vehicles, buy some supplementary insurance. For example: glass breakage insurance, spontaneous combustion insurance and so on.