After buying a car, you must buy a car insurance
But many car owners also don't know much about the basic knowledge of auto insurance
Auto Insurance Division of Strong Insurance and Commercial Insurance
Jianqiang insurance is legal insurance
Vehicles must be insured to pay strong insurance as long as you drive on the road
And commercial insurance insurance can be bought according to your needs
Today, my brother is here to popularize seabet loginsome basic car insurance types
Jianqiang insurance
The full name of the traffic insurance is called motor vehicle compulsory liability insurance
Implement the national unified terms and rates
The maximum limit for claims is 122,000
Compensation when the insured is responsible:
Calling people to death or full disabled compensation 110,000 yuan,Compensation of 10,000 yuan in compensation for injuries,Third -party property loss compensation 2,000 yuan
When the insured has no responsibility:
Death and disability compensation limit is 11,000 yuan,Medical expenses 1,000 yuan,Property 100 yuan
Business insurance
Commercial insurance is a supplement to the strong insurance
It is not compulsory but has a significant effect
Among them, 4 basic insurance types and 12 additional insurance
Choose different from each person's car environment
Basic insurance is:
Motor vehicle loss insurance、Motor vehicle third party liability insurance、Personnel liability insurance on the motor vehicle and stolen insurance of motor vehicles。
Motor vehicle loss insurance
Motor vehicle loss insurance includes most accidents in life
The most common is the loss caused by the collision
Motor vehicle third party liability insurance
Beyond the limit of the strong insurance, it is borne by the third party liability insurance of the motor vehicle
The third party can be a car, a tree, a person
This kind of insurance compensation scope is relatively wide
Personnel liability insurance on the motor vehicle
In a traffic accident, the staff on the car was injured
Responsibility insurance on the motor vehicle is responsible for compensation
Motor vehicle stolen insurance
After buying a motor vehicle, the whole car is stealing insurance
If the vehicle is stolen or robbed
Insurance company pays for the value of the vehicle approved by the policy of the year
additional insurance:
Glass crushed insurance alone、Spontaneous combustion loss insurance、Added equipment loss insurance、Body scratch loss insurance、The engine wading loss insurance Comeon compensation insurance during the repair period、Cargo liability insurance on the car、Psychological damage comfort gold liability insurance、Regardless of odds of odds、Motor vehicle loss insurance cannot find third -party special insurance Specifying Repair Factory Insurance and Motor Vehicle Third Party Liability Insurance Additional Legal Holiday Limited Insurance 12 kinds of insurance。
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