Comprehensive automobile insurance includes compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, theft and rescue insurance, vehicle occupant liability insurance, spontaneous combustion insurance, scratch insurance, and no deductible insurance.
Compulsory traffic insurance
It is a statutory compulsory
insurance stipulated in the "Regulations on Compulsory Motor Vehicle
Traffic Accident Liability Insurance". The insurance company covers the
insured motor vehicle in the event of a road traffic accident, other than the
vehicle personnel and the insured. Compulsory liability insurance that compensates
the victim for personal injury, death, and property damage within the liability
limit. For motor vehicles that have not participated in compulsory motor
vehicle traffic accident liability insurance, the motor vehicle management
department shall not register them, and the motor vehicle safety technical
inspection age
Third-party liability insurance
refers
to the financial compensation that should be borne by the insured in accordance
with the law if an accident occurs to a qualified driver while using the
insured vehicle and causes direct loss of property and casualties to a third
party. Liability, the insurance company is responsible for compensation.
Vehicle loss insurance
refers to the fact that the insured vehicle suffers natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, causing losses to the insured vehicle itself, and the insurer will compensate according to the provisions of the insurance contract. This type of insurance is just the opposite of third-party insurance, because third-party insurance is to protect others, while car damage insurance is to protect yourself, so you should buy it.
Theft insurance
If the car is always parked in a
relatively safe parking lot during daily use, and there are no particularly
quiet sections on the way to and from get off work, you can consider not
covering theft insurance (for the residence where you live) If the security in
the area is poor, there is no fixed parking lot, or the vehicle is a very
common model with a high loss rate, then you must protect it against theft).
Vehicle personnel liability insurance
It is not recommended to buy vehicle
personnel liability insurance because the insurance rate is relatively high and
the coverage is relatively narrow.
Individual glass breakage insurance
refers to the individual glass breakage
of the vehicle during use. Pay attention to the word "single". If it
is caused by other accidents, the car damage insurance will cover it. If it is
a domestic car, the glass is not expensive. If you want to save insurance
premiums, don't buy it. If you want imported glass, you must specify it.
Spontaneous combustion insurance
While the vehicle is driving, if the
vehicle catches fire due to malfunctions in the vehicle's electrical
appliances, wiring, and fuel supply systems, or the spontaneous combustion of
the cargo carried, the vehicle losses and damage to the vehicle will be caused.
Reasonable expenses paid by the rescue agency. It is recommended not to buy new
cars of well-known brands. It is recommended to consider cars that are more
than three years old. Some insurance companies also provide self-ignition
insurance or include it in the car damage insurance.
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