After buying a car, you must buy a car insurance

But many car owners still 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 for 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 some basic car insurance types

Jianqiang insurance

The full name of Jiaotong Insurance is called motor vehicle compulsory liability insurance

Implement the national unified terms and rates

The maximum limit for claims is 122,000

When the insured is responsible, compensate:

Calling people to death or full disabled compensation 110,000 yuan，Compensation of 10,000 yuan in injuries in the collision，Third -party property loss compensation 2,000 yuan

When the insured is not responsible:

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 robbing insurance for all vehicles 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 limits of the strong insurance, shall be borne by the third party liability insurance of the motor vehicle

The third party can be a car, a tree, a person

This type of insurance compensation is relatively wide

Personnel liability insurance on the motor vehicle

In a traffic accident, the staff on the car was injured

The 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。