Motor vehicle insurancecarInsurance refers to a type of commercial insurance that compensates for personal injury or property damage caused by motor vehicles due to natural disasters or accidents.
Motor vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special machinery vehicles, and special vehicles.
Motor vehicle insurance is variable insurance, divided into basic insurance and additional insurance, of which additional insurance cannot be insured independently. Basic insurance includes third party liability insurance and vehicle loss insurance; additional insurance includes vehicle theft rescue, on-board liability insurance, no-fault liability insurance, on-board cargo fall liability insurance, separate glass breakage insurance, vehicle suspension loss insurance, and spontaneous combustion Loss insurance, new equipment loss insurance, special insurance without deductible. Among them, the third party liability insurance is a compulsory type of insurance.
Vehicle damage insurance
Responsible for compensation for the loss of the vehicle itself caused by natural disasters or accidents. This is the most important type of insurance in vehicle insurance. You need to weigh the impact of this insurance or not. If it is not covered, all repair costs after the collision of the vehicle shall be borne by itself.
Third party liability insurance
Responsible for insuring the compensation liability for the personal injury or death of another person (that is, the third party) or the direct damage to the property caused by an accident in the use of the vehicle. Third party liability insurance is a compulsory insurance prescribed by the state. Crashing or hitting a person is the most feared when driving. It doesn't count the loss of your own car, and you have to spend a lot of money to compensate for the loss of others.
Car theft rescue
Responsible for compensation for all losses of the insured vehicle caused by theft, robbery, or snatch, as well as losses caused by damage to the vehicle or loss of parts and accessories on the vehicle. After the vehicle is lost, 80% of the actual value of the vehicle can be compensated from the insurance company. If the insured lacks car keys, he can only get 75% compensation.
On-board liability insurance
Responsible for insuring the personal injury and death of the personnel on the vehicle and the direct damage to the cargo on the vehicle caused by the accident of the vehicle. Among them, the liability for personal injury and death of the vehicle personnel is the accident insurance for the driver and passenger in the past.
No-fault liability insurance
During the use of the insured vehicle, if a traffic accident with a non-motor vehicle or pedestrian causes casualties and direct property damage to the other party, the insured vehicle party shall not be liable for compensation. If the insured refuses to make compensation, the insurance company shall specify the expenses in the insurance policy in accordance with the "Measures for the Handling of Road Traffic Accidents" and the local road traffic accident handling regulations for the insured person who has already paid to the other party and cannot be recovered. The compensation is calculated within the compensation limit of this insurance. Each compensation is subject to an absolute deductible rate of 20%.
Cargo Fall Liability Insurance
Undertake the economic compensation liability for the direct damage of personal injury or property damage to a third party caused by the goods falling from the vehicle during the use of the insurance vehicle. The liability for compensation is calculated within the insurance compensation limit stated in the insurance policy. Each compensation is subject to an absolute deductible rate of 20%.
Individual glass breakage risk
When the vehicle is parked or in use, other parts are not damaged, only the windshield glass is broken separately, and the loss of the windshield glass is compensated by the insurance company.
Vehicle stop loss insurance
If an insured vehicle has an insured accident within the scope of vehicle loss insurance, causing damage to the car body and causing the loss of the vehicle to stop, the insurance company shall pay the following compensation in accordance with the regulations:
(1) In case of partial losses, the insurer shall calculate the compensation based on the daily compensation amount agreed in the insurance policy multiplied by the actual number of days from the date of delivery to the date of completion of the repair within the repair time agreed by both parties;
(2) If the entire vehicle is damaged, the compensation shall be calculated according to the compensation limit stipulated in the insurance policy;
(3) During the insurance period, the cumulative calculation of the above-mentioned indemnity shall be limited to the maximum number of days of indemnity stipulated in the insurance policy. The maximum agreed compensation days of this insurance is 90 days, and the biggest feature of the vehicle parking loss insurance is that the rate is very high, reaching 10%.
Spontaneous combustion loss insurance
The insured vehicle shall be liable for damages caused to the vehicle due to the failure of the vehicle's electrical appliances, wiring, or fuel supply system or the fire and combustion of the cargo itself during the use of the insurance vehicle.
New equipment loss insurance
In the event of an insured accident within the scope of the vehicle loss insurance, the insurance company shall calculate the compensation based on the actual loss if the new equipment on the vehicle is directly damaged. If this insurance is not insured, the insurance company shall not be liable for compensation for the loss of newly added equipment.
Excluding deductible special insurance
This insurance can only be insured on the basis of both vehicle loss insurance and third party liability insurance. The insurer shall be responsible for the compensation for the deductible amount calculated in accordance with the basic insurance clauses within the amount of the motor vehicle that has been specially insured for this item of insured accident. That is to say, after this insurance, all losses incurred by the vehicle in the vehicle loss insurance and third party liability insurance shall be compensated by the insurance company.
This is a very good type of insurance only available in 1997. Its value is embodied in: if this type of insurance is not insured, the insurance company has to distinguish the liability when it compensates for the losses within the scope of the car damage insurance and the third party liability insurance: if you take full responsibility, compensate 80%; take the main liability to compensate 85 %; 90% for equal liability; 95% for secondary liability. The other 20%, 15%, 10%, and 5% of the accident loss need to be paid for by yourself.
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