compulsory traffic insurance
compulsory traffic insurance is a compulsory insurance type. According to Chinese law, all motor vehicles must purchase compulsory traffic insurance. When compulsory traffic insurance is renewed, the premium can be raised or lowered based on the previous year’s insurance record. It is cheaper, but due to the limited coverage, other commercial insurances need to be supplemented. There are many types of commercial insurance. Car owners should choose carefully according to their actual conditions, such as driving skills, vehicle conditions, etc., which can not only save premiums, but also get more Comprehensive insurance protection. If you are a novice, it is recommended that you purchase a more comprehensive insurance, which includes vehicle loss insurance, third party liability insurance, vehicle personnel liability insurance, separate glass breakage insurance, etc.; if you are skilled in driving The “veteran driver” of China can choose companies and insurance types based on past insurance services and claims experience, but you should not be too careless. More comprehensive protection will allow you to be “prepared” while driving. !
Third Party Liability Insurance
If an insurance accident occurs, the insurance company can compensate you for the loss (person or property) suffered by the third party in accordance with the terms.
For example: 1) accidentally crashing someone else’s car 2) accidentally hitting someone else and causing casualties
What is the guarantee?
In the event of an insurance incident, we can compensate you for the losses suffered by a third party (person or property) on your behalf. For example, if you accidentally crashed someone's car or drove a car and caused injury or death, the insurance company will compensate in accordance with the provisions. do I need
?
[1] Compulsory traffic insurance can pay up to 200,000 yuan. Unfortunately, if you crash into a luxury car or cause serious injury, the compensation may be as high as hundreds of thousands. Commercial third party liability insurance is insured. The insufficiency of compulsory traffic insurance will be compensated by the insurance company. [2] Considering the current actual situation, it is recommended to choose between 500,000 and 1 million in the guarantee amount.
vehicle loss insurance
car collision, compensation for the loss of your car. (The vehicle loss insurance after the fee reform includes the previous engine wading insurance, excluding deductibles, inability to find a third party, separate glass breakage insurance, theft rescue, and spontaneous combustion insurance. These 6 insurance liabilities do not require additional insurance. )
such as: 1) The car hits a barrier or someone else's car, and your car is damaged. 2) The car is damaged by an external object or falling
What can I do?
In the event of an insurance accident, compensate your own vehicle for the loss. For example, if a vehicle collides, overturns, fires, explodes, or is collapsed or damaged by falling objects, or collides with other people's vehicles, causing damage to your own vehicle, the insurance company will compensate your vehicle maintenance costs in accordance with the provisions. do I need
?
[1] Newbies are prone to traffic accidents, so it is strongly recommended to buy. [2] High cost performance, saving high maintenance costs.
Driver’s Seat Liability Insurance
will compensate the driver’s casualties and medical compensation costs in the event of a car accident.
For example: In an accident, the driver in the car was unfortunately injured. What does
guarantee?
An accident occurred, causing personal injury or death to the driver of the vehicle. If the vehicle is liable, the insurance company will compensate according to the provisions. do I need
?
Novices or those who often drive, in order to better protect their own safety, it is recommended to buy.
Passenger Seat Liability Insurance
will compensate for the casualties and medical compensation expenses of passengers in the car when a car accident occurs.
For example: In an accident, the passengers in the car were unfortunately injured. What does
guarantee?
An accident occurred, causing personal injury or death to the passengers (non-driver) of the vehicle. If the vehicle is liable, the insurance company will compensate according to the provisions. do I need
?
often takes family or friends with them by car, hoping that the personal safety of family and friends will be protected, and it is recommended to buy.
additional insurance
each insurance company has different types of additional insurance, and the additional insurance requires the purchase of additional insurance only when the previous auto insurance is insured!
car body scratch loss insurance
is responsible for the loss of the body surface paint without collision marks alone.
For example: When the car was parked, someone maliciously scratched with a key, a knife or other sharp objects. What does
guarantee?
Car body scratch loss without obvious collision marks, guaranteeThe insurance company will compensate in accordance with the terms. For example, when the vehicle is parked, it is scratched by a sharp object. do I need
?
[1] New car or novice, it is recommended to buy.
Individual wheel loss insurance
When the insured or the insured motor vehicle driver is using the insured motor vehicle, due to natural disasters, accidents, or being stolen, robbed, or snatched, the insured motor vehicle does not suffer any other losses , Only the direct losses of the wheels (including tires, hubs, and hubcaps) alone are not covered by the exemption of the insurer’s liability. The insurer shall be responsible for compensation in accordance with this additional insurance contract. .
Acting as a special insurance for driving services
During the insurance period, the insurer or its trustee shall provide at the request of the insured, when the insured or its permitted drivers are unable to drive due to drinking, taking drugs, etc. or when there is a major safety driving risk Short-distance driving service within 30 kilometers one way.
Absolute Deductible Rate Special Insurance
In the event of an insured accident agreed upon in the main insurance of an insured motor vehicle, the insurer shall deduct the deductible specified in this special clause after calculating the compensation in accordance with the agreement of the main insurance. That is: the actual indemnity of the main insurance = the indemnity calculated according to the agreement of the main insurance × (1-absolute deductible ratio)
Except for water damage to the engine, special insurance
During the insurance period, the insured motor vehicle insured with this additional insurance is in use , The insurer is not responsible for compensation for the direct damage of the engine caused by the water entering the engine.
Medical insurance non-medicine liability insurance
During the insurance period, the insured or his permitted driver has the main insurance accident in the process of using the insured motor vehicle. Regional laws) The insurer shall be responsible for the compensation for the medical expenses borne by the third party or the persons on the vehicle, and the insurer shall be responsible for the compensation for the part that exceeds the "Guidelines for Clinical Diagnosis and Treatment of the Injured by Road Traffic Accidents" and the national basic medical insurance similar medical expenses.
Special insurance for road rescue services
During the insurance period, when the insured motor vehicle breaks down during use and becomes unable to drive, the insurer or its trustee shall provide the insured with the following road rescue services at the request of the insured.
(1) Tow trucks within 50 kilometers of one way; (2) Fuel, water, antifreeze, and electricity;
(3) Tire inflation and tire replacement; (4) Towing and crane required for vehicles to get out of trouble.
Special Vehicle Safety Inspection Insurance
During the insurance period, in order to ensure the safe operation of the vehicle, the insurer or its trustee shall provide vehicle safety inspection services for the insured motor vehicles at the request of the insured. Vehicle safety inspection items include:
(1) Engine testing (oil, air filter, fuel, cooling, etc.); (2) Transmission testing;
(3) Steering system testing (including wheel alignment and tire dynamic balance); (4) Chassis testing;
(5) Tire testing; (6) Automotive electronic system testing (full-vehicle electronic control system testing);
(7) Vehicle interior environment testing; (8) Battery testing; (9) Vehicle comprehensive safety testing.
Special insurance for inspection service
During the insurance period, in accordance with the Implementation Regulations of the Road Traffic Safety Law of the People’s Republic of China, when the insured motor vehicle needs to be inspected by the motor vehicle safety technical inspection agency, the insured shall, at the request of the insured, The insurer or its trustee shall perform vehicle inspection on behalf of the vehicle owner.
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