Learn about auto insurance

Auto Insurance content

1. vehicle loss insurance

Vehicle loss insurance refers to the natural disasters (not including earthquakes) or accidents within the scope of insurance liability for an insurance vehicle, resulting in the loss of the insurance vehicle itself. The insurer shall compensate according to the provisions of the insurance contract.

Scope of liability for vehicle loss insurance: (1) the insurer shall compensate the insured or its permitted drivers for the losses incurred by the insurance vehicles due to the following reasons: ① collision, overturn, fall; ② fire, explosion, spontaneous combustion; ③ external objects fall and collapse; ④ storm and Tornado; ⑤ lightning strikes, flood, flood, and tsunami; ⑥ subsidence, ice subsidence, yaml, avalanche, debris flow, and landslide; 7. the ferry boat carrying insurance vehicles suffers from Natural Disasters (limited to drivers who follow the car ). (2) In the event of an insurance accident, the insurer shall bear the necessary and reasonable rescue costs paid by the insured to prevent or reduce the losses of the insurance vehicle, and the maximum amount of the insurance amount shall not exceed.

2. Third Party Liability insurance

It indicates that a qualified driver initiates business or Foreign Affairs during the use of the insured vehicle, resulting in direct property losses and casualties of a third party.

3. Theft rescue

The insurance liability for all theft and rescue of motor vehicles is the loss of vehicles caused by theft, robbery, and looting, as well as the damage to the parts and ancillary equipment of vehicles during theft, robbery, and looting. loss of reasonable costs to be repaired. It can be seen that the insurance liability for all theft and rescue of Motor Vehicles includes two parts: first, the loss of insurance vehicles caused by theft, robbery, and theft; second, reasonable expenses incurred by theft, robbery, and theft of insurance vehicles. The insurance company is responsible for the compensation for the above two expenses within the insurance amount.

4. Vehicle seat Liability insurance

Liability insurance for Vehicle personnel is responsible for compensating for the loss of expenses caused by accidents of vehicles, drivers or passengers, and the necessary reasonable rescue and protection costs to reduce the losses.

5. Independent broken glass

It means that the glass of the car is broken independently during use. Pay attention to the word "separately". In the case of other accidents, the car damage insurance can also be compensated.

6. self-insurance

When a vehicle is running, the electric appliance, line, and oil supply system of the vehicle are faulty, and the fire is ignited due to the spontaneous combustion of the carrying goods, resulting in the loss of the vehicle and the reasonable cost paid for the rescue.

7. Risk assignment

Fees to be repaired by others during use (no obvious collision marks.

8. No deductible

The insurance company is responsible for the compensation for the loss of vehicles or third-party liability insurance incidents, corresponding to the amount of free compensation (20%) borne by the insured.

9. No deductible

The insurance company is responsible for the compensation for the loss of vehicles or third-party liability insurance incidents.

10. Strong Insurance

The insurance company is responsible for the personal injury, death, and property losses to the victims (excluding the personnel of the vehicle and the insured) caused by the road traffic accident of the insured motor vehicle, compulsory liability insurance that is compensated within the limitation of liability.

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For new users, the best insurance mode is recommended: strong insurance (mandatory) + third-party liability insurance 0.2 million + vehicle damage insurance + no deductible rate + no deductible, if necessary, you can properly insure-car seat liability insurance.

Compared with the novice, the experienced driving experience is more adequate, and the corresponding risk avoidance probability is higher. Therefore, recommendations for veterans focus more on the economics and security of insurance, rather than the completeness of insurance.

the recommended model is: strong insurance (mandatory) + third-party liability insurance 0.1 million + vehicle loss insurance + no deductible rate. If necessary, no deductible can be added, however, not all insurance companies have deductible rules. Veterans can choose insurance companies that are not too large. Not only is it more economical to purchase insurance, but there is no exemption. For new users, it is more cost-effective for large insurance companies. After all, you do not know the insurance process, and the management of large insurance companies is stricter. At the same time, compensation is also in place in a timely manner.