What are the types of automobile insurance

One type of automobile insurance: insurance to pay strong (full name: compulsory traffic accident liability insurance, must buy insurance.) 　

Cross strong insurance refers to the insured motor vehicle traffic accident during the period of insurance, the insurance company undertakes to each insured all the victims of the casualties and property damage compensation. 2008 Edition (version) cross strong insurance liability limit (i.e. each insured the maximum amount of compensation), national unity is 122000 yuan. In the limit of liability of a total of 122000 yuan, still implement breakdown limited compensation, in particular to death and disability compensation for 110000 yuan, 10000 yuan for medical expenses limit and property damage compensation limit of 2000 yuan. In addition, the quota compensation the insured has no liability in road traffic accidents for death and disability compensation for 11000 yuan, 1000 yuan for medical expenses limit and property damage compensation limit of 100 yuan.

Two kinds of automobile insurance: the vehicle damage insurance

The vehicle damage insurance refers to insurance within the scope of insurance liability vehicle suffered natural disasters or accidents caused by the loss of vehicle insurance, itself, provisions of the insurance on the basis of the contract of insurance compensation.

Three kinds of automobile insurance: the third party liability insurance

A qualified driver in use by accident insurance vehicle process caused by third of the direct property loss and casualties. Now with the compensation standards, at least to buy 100000 yuan, 200000 yuan to buy the best, especially beginners or Italian spirit coaster friends and work pressure is not easy to focus on the friend, because the 50000 yuan, 100000 yuan, 200000 yuan price difference, in short this insurance to buy big own peace of mind.

Four kinds of automobile insurance: pilfer

   If your car is in the use of the process has been in the parking lot is reliable, safe in the park, on the way to work the way no what special quiet road, you can consider does not guarantee pilfer rush to deal with an emergency, but if you lose your car is very common, the relatively high rate of models, it must be the thief rescue.

Five kinds of automobile insurance: the car seats (seats insurance liability insurance)

Refers to the period of insurance, the insured or the valid driver by accident insurance of motor vehicles in use, the personnel on the car suffered casualties, shall assume by insurant insurance liability. If your car is often have friends to sit, you also can consider to buy a little, but do not buy too much, security in the amount of ten thousand yuan to twenty thousand yuan / seat is enough

Six kinds of automobile insurance: breakage of glass

That occurred during the car broken glass alone, pay attention to "separate" word, and such other accidents, Che Sunxian has lost, so if the domestic car, glass is not expensive, want to save money can not buy.

   Seven kinds of automobile insurance: risk of spontaneous combustion

Vehicles in the process, because the vehicle electrical appliances, circuit, fuel system faults and load causes spontaneous cargo on fire, causing the reasonable expenses paid by the loss of vehicles and rescue. Car is not recommended to buy, for more than three years of the car should be considered.

Eight kinds of automobile insurance: body scratch insurance

In the process of using, being cut plan (no significant dent) to repair costs, in general, the novice to buy new car. General insurance is 2000 yuan or 5000 yuan. The claim is required to provide the police station to prove.

Nine kinds of automobile insurance: irrespective of percentage special agreement

   Vehicle vehicle damage insurance and third party liability insurance accident compensation insurance, the deductible amount insured bear (20%), the insurance company responsible for compensation. If we do not buy irrespective of percentage, every loss, the insurance company paid only 80% of the amount of the loss.

   In addition to these types of insurance, and an optional deductible special, additional equipment loss insurance, special engine damage insurance, risk of loss by motor vehicles, vehicle luggage loss insurance, liability insurance additional traffic accident spiritual damage, additional oil pollution liability insurance, motor vehicle insurance additional exit, remote Chuxian accommodation special, specify specialized factory special, special legal expenses......