Expanding knowledge: automobile insurance coverage
Third party liability insurance
Refers to the economic responsibility that should be borne by the insured according to law. If the insured or its licensed driver has an accident in the process of using the insured vehicle, causing personal injury to a third party or direct property loss, the insurance company shall be responsible for compensation.
Theft and rescue
It means that if the whole insured vehicle is stolen, robbed or robbed, and it is confirmed by the public security criminal investigation department at or above the county level that it has not disappeared within a certain period of time (mostly three months, and the insurance clause is 60 days), the insurer will make compensation within the insured amount, and the compensation ratio will be evaluated according to the service life of the vehicle.
Vehicle personnel liability insurance
The insurance company shall be liable for the losses caused by accidents (unforeseeable and irresistible events, resulting in casualties or property losses) of the insured vehicles, as well as the necessary and reasonable rescue and protection expenses paid to reduce the losses. The amount of insurance shall be determined by the insured and the insurance company through consultation. Generally, the insured amount of each seat is 1-65438+ ten thousand yuan. The number of insured drivers and passengers generally does not exceed the number of seats approved in the insurance vehicle driving book, and the premium is generally 8 1 yuan/person.
Vehicle loss insurance
Vehicle loss insurance is responsible for compensating the loss of the vehicle itself caused by natural disasters and accidents. This is one of the most important types of insurance in auto insurance. The cost is not much, but it can be greatly guaranteed. Generally speaking, for imported cars and domestic cars, if the car age is not too long, or the driver's skills or driving habits can not provide a high guarantee for vehicle safety, it is best to buy this insurance. If you don't cover this risk, you will have to pay for the repair after the collision, which may be thousands, tens of thousands or even hundreds of thousands of yuan.
Body scratch loss insurance
Car body scratch insurance usually refers to man-made and malicious scratches. For example, if a car is parked in a residential area and a child naughty scratches the paint on the car body with a sharp weapon, in this case, if you take out this insurance, you can get a claim. If the vehicle is scratched by an accident during driving, it belongs to the coverage of vehicle loss insurance.
Risk of spontaneous combustion loss
Spontaneous combustion loss insurance refers to the compensation for the loss caused by the failure of the vehicle's electrical appliances, wiring, oil supply system and the fire of the goods themselves. This insurance is an additional risk of vehicle loss insurance. Only vehicles insured with vehicle loss insurance can be insured with this insurance.
Risk of glass breakage
During the insurance period, if the windshield or window glass of the insured vehicle is broken separately during use, the insurance company shall compensate according to the actual loss.
Excluding deductible insurance
After handling deductible insurance, the insurance company can claim 100% of the reasonable expenses of vehicle loss insurance, third party liability insurance and vehicle personnel liability insurance during the insurance period, which is a supplement to the above commercial insurance types and aims to reduce the risk to zero for the owner.