Motor vehicle insurance is also called the auto insurance, is refers to the motor vehicles due to a natural disaster or accident caused personal injury or property damage liability insurance.

Motor vehicle refers to the automobile, tram, battery car, motorcycle, tractor, special vehicle, a variety of special vehicles.

Motor vehicle insurance is not valued insurance, divided into the basic insurance and additional insurance, the additional risk can not be independent insurance. The basic risks including the third party liability insurance and vehicle damage insurance; additional risks include whole vehicle pilfer, vehicle liability insurance, no fault liability insurance, liability insurance, vehicle mounted cargo drop breakage of glass, the vehicle to stop loss insurance, spontaneous combustion risk of loss, the new insurance, non deductible loss equipment special risks. The third party liability insurance is the compulsory insurance.

The vehicle damage insurance for compensation due to natural disasters or accidents caused by the loss of the vehicle itself. This is the most important vehicle insurance insurance. Insurance and does not guarantee the categories, you need to weigh it. If it is not guaranteed, vehicle collision repair costs have all by their own bear.

Third party liability insurance vehicle accidents in use by others (i.e. third) direct damage liability for personal injury or property. The third party liability insurance as prescribed by the State shall protect insurance. Crash or crash is most afraid of driving, their car loss is not, but also spend a lot of money to compensate other losses.

Whole vehicle pilfer responsible for compensation insurance vehicle due to theft, robbery, plundered all the losses caused by the vehicle, and during the loss caused by damage to the vehicle or the car parts, ancillary equipment loss. The loss of the vehicle can be obtained after the vehicle actual value 80% from the insurance company for compensation. If the insured person missing car keys, you can only get 75% compensation.

The vehicle liability insurance for the liability insurance of vehicle accidents caused by direct damage to goods carried by the car personnel casualties and the car. The liability of the personnel on the car casualties of the past is the driver of the passenger accident insurance.

No fault liability insurance vehicle in use process, because of the traffic accident and non motor vehicles, pedestrians, causing the other casualties and direct property damage, insurance vehicle shall bear no liability for compensation. If the insured person refused compensation failed, but not on the insured has paid to recover costs, insurance company according to "approach to road traffic accidents" and out of the local road traffic accident treatment standards set forth in the insured in the insurance compensation within the limit of calculating compensation. Each compensation are 20% absolute 免赔率.

Vehicle cargo liability insurance vehicle in use process, economic liability directly damaged cargo off result in third suffers from a personal injury or property arising from the. Liability set forth in the insurance policy insurance compensation within the limit calculation. Each compensation are 20% absolute 免赔率.

Breakage of glass of vehicle in the park or in use process, the other part is not broken, only windshield broken glass alone, windshield loss by the insurance company for compensation.

The vehicle to stop loss insurance vehicle vehicle damage insurance within the scope of insurance accident, cause body damage, causing the vehicle to stop and produce loss, insurance company for compensation in accordance with the provisions of the following:

(1) part of the loss, the insurance compensation according to the actual number of days of insurance, compensation amount multiplied by the fixed date to the date of completion of the repair in the repair time calculations agreed within;

(2) the whole car damaged, calculation of compensation according to the limit of indemnity of insurance;

(3) during the period of this insurance, the claims of accumulative calculation, the highest for days of insurance. The highest insurance agreement on compensation for 90 days, and the vehicle to stop loss insurance is the biggest characteristic of rate is very high, up to 10%. spontaneous combustion risk of loss loss compensation combustion to vehicle to vehicle insurance in the use of the process failure or delivery systems because the car electric appliances, circuit, fuel supply goods own reasons caused the fire.

The new device to increase the risk of loss vehicle vehicle damage insurance within the scope of insurance accident, causing direct damage to the car of new equipment, the insurance company is calculated according to the actual damages. No insurance coverage, insurance company new equipment is not liable for.

Above the base of non deductible special insurance only at the same time insurance against loss of vehicle and third party liability insurance can be insured to the insurance. for maneuvering the special insurance vehicle accident compensation insurance, the provisions of the compensation in accordance with the provisions of the amount of basic clauses according to calculation the deductible amount, the insurer is responsible for. That is to say, to do the insurance after the vehicle, the vehicle damage insurance and three party liability insurance compensation for all loss, the insurance company.

This is 97 years to have a very good insurance. Its value lies in: does not guarantee the insurance, compensation insurance companies in the car insurance and third party liability insurance within the scope of the loss is to distinguish between responsibility: if you take full responsibility, bear the main responsibility for compensation of 80%; 85%; 90% / bear coequal responsibility; negative secondary responsibility for the accident loss in 95%. 20%, 15%, 10%, 5% need your own pocket.