The main types of motor vehicle insurance: motor vehicle refers to the automobile, tram, battery car, motorcycle, tractor and various kinds of special machinery and vehicles, special vehicles. Motor vehicle insurance is divided into two main categories and four additional types, main categories of vehicle damage insurance and third party liability insurance; additional risk is divided into: pilfer, driver and passenger accident insurance and breakage of glass, the spontaneous loss insurance. 

The vehicle damage insurance:
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  is to prevent the vehicle owner to insurance companies may be caused by the loss of the insurance. "For what reason cause the loss of vehicle insurance motor vehicle insurance clause" of the insurer is responsible for compensation, or is not responsible for compensation had strictly defined responsibility (such as all personnel and property insurance on the vehicle, the insurance is not liable). The amount of insurance loss of vehicle insurance can be determined according to the value of insurance the insured or the actual value, also can be determined in consultation by the insured and the insurance company, but the insurance amount can not exceed insurance value. The value of 100000 yuan of the vehicle, the insurance amount only 100000 yuan.
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  vehicle damage insurance following reasons caused the loss of vehicle insurance, the insurer is responsible for compensation: collision, fire, explosion; overturning; external objects collapse, falling of flying objects, running parallel to fall; lightning, storm, flood, storm, tornado, tsunami, landslide, cliff collapse, avalanche, debris flow, hail, landslide; carrying insurance car ferry from natural disasters (limited to the driver vehicle caregivers. When insurance accident happens, the insured to take reasonable expenses the rescue, protection measures for vehicle insurance expenditure, the insurer is responsible for compensation. But the maximum amount of compensation for the expenses shall be limited to the insured amount. 　
  following loss of vehicle insurance, the insurer shall not be liable for:
  (a) natural wear, corrosion, fault, tire burst;
  (two) earthquake, artificial direct fuel, combustion, high temperature baking losses;
  (three) by the vehicle cargo collision loss;
  (four) two and mopeds park during tipping loss;
  (five) suffered the loss of insurance coverage, without the necessary repair continue to use, resulting in losses.
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  third party liability insurance:
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  insured allow qualified driver accidents occur in the use of insurance vehicle process, direct damage causes the third suffers from a personal injury or property, in accordance with the law shall be the amount of compensation is paid by the insured, the insurer in accordance with the provisions of the insurance contract compensation. The insured, insured can voluntarily choose insurance accident, the maximum compensation limit is divided into 5 grades: 50000, 100000, 200000, 500000, 1000000. The amount of compensation of about third, shall be borne by the insurance company is approved, the insurer can not be promised or paid the amount of compensation.
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  third party liability insurance: qualified insured allow accident driver in the use process of vehicle insurance accident directly, causes the third suffered personal injury or property damage, shall be in accordance with the compensation paid by the insured amount, the insurer shall be in accordance with the contract of insurance. But because of the aftermath of the accident, the insured is responsible for processing.
  the causes of economic liability for the loss of vehicle insurance or third persons per capita, insurance is not responsible for:
  (a) war, military conflicts, riots, seizure, forfeiture;
  (two) competition, testing, repair factory;
  (three) the driver drinking, drugs, drug anesthesia, without a valid driving license;
  (four) insurance vehicle towing uninsured vehicle and other towing or uninsured vehicle towing vehicle damage insurance;
  (five) insurance vehicle accident escape detection by the public security organs;
  (six) insurance before the accident, not according to the agreed in writing to pay insurance premium obligation;
  (seven) insurance vehicle theft during the robbery, robbery, damage or the car parts, ancillary equipment lost in the car, as well as the third casualties or property losses.
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  pilfer:
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  insurance car because car stolen, robbed or plundered, the insurer of the direct economic losses in the amount of insurance compensation. After the termination of the compensation liability insurance, vehicle insurance rights to all people. 
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  insurance liability
  (a) of vehicle insurance (including insurance Trailer) full vehicle theft, robbery, robbery, the police criminal investigation department at or above the county level for confirmation, not accounted for over three months;
  (two) insurance car whole car was stolen, robbed, robbed after damage or the car parts, ancillary equipment lost the reasonable expenses needed to repair.
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  liability exemption
  (a) non full car robbery, only bad car parts or attached cutting equipment was stolen, robbed, robbed, damaged.
  (two) being fraud or partial loss caused by the whole car;
  (three) during the whole car was robbed, robbed, theft, insurance vehicle accident caused third casualties or property losses;
  (four) the insured person in violation of the relevant laws, regulations, government by relevant state organs fines, seizure;
  (five) the insured plundered with others people flow, economic disputes and insurance, vehicle robbery;
  (six) rental vehicles at the same time with the lessee missing;
  (seven) the whole car or part of the loss of intentional behavior with insurers and members of their families, the insured to allow drivers or violate behavior caused by.
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  spontaneous loss insurance:
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  in vehicle and cargo insurance due to damage the vehicle electrical lines, fuel supply system itself caught fire, resulting in the loss of vehicle insurance, and the insured in the event of the insurance accident, in order to reduce the loss of vehicles are the necessary and reasonable expenses: expenses, by the insurance company for compensation
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  broken glass separate insurance:
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  refers to the insured vehicle broken glass alone, by insurance companies to bear the liability for compensation. Insurance liability
  insured motor vehicle insurance in the use process, the car is broken glass alone, calculated according to the actual damages.
  insured on the basis of negotiation and the insurer, voluntary according to import windshields or domestic windscreen choose insured, the insurer shall bear the corresponding liability according to their choice of insurance.
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  vehicle liability insurance (the company by accident insurance):
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  liability insurance vehicle insurance occurred within the accident, causing casualty insurance vehicle on the staff, calculating the amount of compensation shall compensate the insured pay the insurer stated in the insurance policy of the compensation limit.
  insurance liability
  insured motor vehicle insurance in the use process, accidents, the insurance on the cargo vehicle suffered direct damage and the car personnel casualties, should assume by insurant lawfully economically perilous liability, and the insured losses for the necessary and reasonable rescue, protection cost, insurance in the insurance policy stipulated in the insurance compensation within the limit of indemnity.
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  liability insurance
  caused losses, the insurer is not liable for the following reasons;
  (a) goods and looting, natural wastage, defects, shortage, death, decay, deterioration;
  (two) illegal carrying or due to packaging, fastening mismanagement, loading, caused by improper cover loss of goods;
  (three) cargo personnel or violation of the personnel on the car carrying personal belongings, violate the rules and regulations on the;
  (four) due to intentional act, the emergency brake or the vehicle's staff due to illness, childbirth, self mutilation, fighting, Dutch act, criminal behavior caused by personal injury, loss of cargo and personnel on the car in the car when the person casualties;
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  vehicle cargo liability insurance:
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  as in the use of process, insure the goods carried by the vehicle drop off the other people suffer personal injury or property loss, the insurance company in accordance with "vehicle cargo liability insurance" for compensation.
  cargo liability insurance: if the insured vehicle in use process, cargo suffered direct losses, as well as the insured to reduce the loss of goods and reasonable rescue, protection costs paid by the insurance company, on the basis of the "cargo liability insurance" provide a certain amount of insurance for the vehicle compensation.
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  insured motor vehicle insurance in the use process, direct damage to the cargo from the car off the road by third casualties or property, in accordance with the law shall bear the liability for the economy of the insured, calculation of compensation insurer stipulated in the insurance of the insurance indemnity.
  liability exemption
  (a) be casualties, property loss insurance and their family members;
  (two) the intentional act or the car cut gas, liquid leakage caused by the loss.
  third limit of indemnity
  vehicle cargo liability when the accident compensation limit by the insured and the insurer shall determine the insured.
  fourth compensation processing
  this insurance compensation are carried out every 20% absolute 免赔率
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  "non deductible special clauses
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  only in and above the base of insurance against loss of vehicle and third party liability insurance can be insured the additional risks. When either the vehicle damage insurance and third party liability insurance in the insurance liability is terminated, the additional liability insurance and termination.
  insurance liability
  for motor vehicle the special insurance occurred accident compensation insurance, the calculation of compensation in accordance with the provisions of the amount in accordance with the provisions of the basic insurance deductible amount, the insurer is responsible for compensation.
  liability exemption
  for each hope the deductible amount plus insurance under the provisions, the insurer shall not be liable for.
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