What does full auto insurance cover?

The usual meaning of "full insurance" includes compulsory insurance, third party liability insurance, motor vehicle damage insurance, car theft insurance, car liability insurance, glass separate broken insurance, body scratches insurance and exclusion clauses. The insurance buy "full insurance", can be in the common traffic accident to get better compensation, but not all losses can be compensated by the insurance company, the policyholder should not be "full insurance" the word as the name suggests, but should understand the various types of insurance and read the provisions of the policy in detail. \x0d\ First of all, the vehicle must purchase compulsory insurance for motor vehicle traffic accidents (referred to as compulsory insurance). Compulsory traffic insurance is a mandatory liability insurance by the insurance company for the insured motor vehicle road traffic accidents caused by the victims (excluding the vehicle's personnel and the insured) of personal injury and death, property damage, within the limit of liability to be compensated. Compulsory insurance is mandatory by national law, and its premiums are standardized across the country. \x0d\ Secondly, you can choose to buy some commercial insurance as a supplement to the compulsory insurance and to protect the vehicle, the people on board, and the property. \x0d\ 1, the third party commercial liability insurance (referred to as the three liability insurance), three liability insurance is the insured or its permitted legal driver in the use of the insured vehicle in the process of the accident, resulting in the third party suffered personal injury or death, or property damage, according to the law should be the insured person to bear the financial responsibility, the insurance company is responsible for compensation. It is a non-compulsory insurance, because compulsory insurance in the third party's property damage and medical expenses part of the compensation is low, you can consider purchasing the third party liability insurance as a supplement to compulsory insurance. Additional third party liability exclusion clauses. \x0d\ 2. Vehicle liability insurance (including driver and passengers). Vehicle liability insurance refers to the motor vehicle insured with this insurance in the course of use, an accident occurs, resulting in direct damage to the goods carried by the insured vehicle and the personal injury or death of the vehicle's occupants, according to law, should be borne by the insured person to bear the financial liability, as well as the insured person in order to reduce the loss of the necessary and reasonable costs of rescue, protection, the insurance company to calculate the compensation within the limit of compensation of the insurance policy stated in this insurance. Additional Vehicle Liability Exclusion Clause. \x0d\ 3. Vehicle Damage Insurance. Vehicle damage insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding earthquakes) or accidents within the scope of insurance liability. Vehicle damage insurance of most insurance companies generally covers the loss of the insured vehicle due to natural disasters such as lightning strikes, windstorms, rainstorms, floods, and accidents such as collisions and overturning, as well as the related salvage costs. Additional vehicle damage exclusion clauses. \x0d\ 4, total car theft damage insurance (referred to as theft insurance). The insurance responsibility of the theft insurance is the loss of the vehicle caused by theft, robbery and snatching, and the reasonable cost of repairing the vehicle damaged during the period of theft, robbery and snatching, or the loss of vehicle parts and accessory equipments. Additional theft and robbery deductible. \x0d\ 5, glass alone broken insurance, that is, the insurance company is responsible for compensating the insured vehicle in the course of use, the occurrence of the car glass alone broken loss of a commercial insurance. Separate glass breakage refers to the insured vehicle only windshield and window glass (excluding lights and mirror glass) appear broken. Separate glass breakage insurance is an additional insurance for vehicle damage insurance, and only vehicles that have been insured for vehicle damage insurance can be insured for this additional insurance. \x0d\ 6, body scratch insurance full name of the body scratch damage insurance, family-owned vehicles, non-business vehicles can be insured, refers to the insurance period, the insured vehicle occurs without obvious traces of collision body surface paint alone scratches, the insurance company in accordance with the actual loss is responsible for compensation. Scratch insurance is an additional insurance of vehicle damage insurance, that is, you need to be insured in the case of vehicle damage insurance can be insured, can not be insured separately. \x0d\ In addition, there are some supplemental insurances that you can purchase depending on your personal or vehicle usage. For example: spontaneous combustion insurance, water-related insurance and so on.