How much does car insurance know about insurance coverage and claim knowledge introduction

At present, many car owners do not know which claims are covered by their insurance after accidents, and many car owners are at a loss as to what to do.Underwrite nowcarThere are many types of insurance companies and insurances, and for car owners, buying vehicle insurance is indispensable. In addition to choosing an insurance company that has good claims services and is convenient for claims, there are also many types of insurance. How to flexibly match the types of insurance to be economical and secure? Next, Auto China will introduce you to the knowledge of auto insurance. Car owners can compare and compare their own situation. Don't repeat insurance or miss insurance.

Strong insurance (primary insurance)

Insurance liability: compulsory liability insurance that the insurance company compensates for the personal injury and property loss of the victim caused by a road traffic accident of the insured motor vehicle within the liability limit.

Compensation items: compensation for death and disability in traffic accidents, compensation for medical expenses, compensation for property losses, etc.

Compensation limit: 120,000 limit of liability. Compensation limit for liability in traffic accidents: death and disability compensation limit: 110,000 yuan; medical expenses compensation limit: 10,000 yuan; property damage compensation limit: 2,000 yuan.Compensation limit for motor vehicles without liability in road traffic accidents: Death and disability compensation limit: 11,000 yuan; medical expenses compensation limit: 1,000 yuan; property damage compensation limit: 100 yuan

Third party liability insurance

Insurance liability: the insured or its permitted qualified driver has an accident during the use of the insured vehicle, causing a third party to suffer personal injury or death or direct damage to property. The amount of compensation that should be paid by the insured in accordance with the law, the insurance company Compensation shall be paid in accordance with the "Measures for Handling Road Traffic Accidents" and the insurance contract.

Compensation items: The compensation of the third party liability insurance is based on the compensation scope, items and standards stipulated in the "Measures for Handling Road Traffic Accidents" as the basis of insurance compensation. In the specific compensation, the deductible amount is based on the size of the accident liability. The insurance company responsible for the full liability will deduct 20%, the primary liability deductible 15%, the equivalent liability deductible 10%, and the secondary liability deductible 5 %.

When signing an insurance contract, the applicant and the insurer shall negotiate and determine the level of 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan, 1 million yuan, and not more than 10 million yuan. According to the current compensation standard, it is recommended to buy at least 100,000 yuan, preferably 200,000 yuan or 500,000 yuan, especially for novices or friends who like speeding and friends who are not easy to concentrate on work pressure. In short, this type of insurance has the conditions to buy a large one. Is the best.

Vehicle damage insurance

Insurance liability: insurance for losses caused by accidents such as accidental collisions and rollovers of the vehicle; or insurance for losses caused by fires and explosions around the vehicle; insurance against the collapse of external objects, falling of objects running in the air, and parallel falling of the vehicle while insuring the vehicle The insurance company is responsible for compensation for the losses caused. Including lightning strikes, storms, tornadoes, heavy rains, floods, tsunamis, ground subsidence, ice sinks, cliffs, hailstorms, mudslides, and landslides; the insurance company will also compensate for the losses caused by natural disasters to the insured vehicles on the ferry carrying the insured vehicle.

Compensation items: including the loss of the vehicle itself in the accident and reasonable expenses for the reasonable rescue and protection measures taken to the vehicle.

Deductible amount: 5%-20% of the amount of compensation according to the size of the accident liability. 20% for full liability, 15% for primary liability, 10% for equivalent liability, and 5% for secondary liability.

This is the opposite of the third party. The loss of the vehicle is for your own car. If you cherish your car, you must buy it.

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