Vehicle insurance coverage

  • Created:
  • / Author: Aaron Lewis
Vehicle insurance coverage
Basic insurance

The vehicle damage insurance
Third comprehensive liability insurance

Additional risks

Whole vehicle pilfer
Breakage of glass
Natural loss insurance
Body scratch damage insurance
Irrespective of percentage
Passenger liability insurance
Cargo liability insurance
No fault liability insurance
Vehicle cargo liability insurance
Irrespective of percentage


The insurance premium rate of motor vehicle regulations


(a) the nature of the use of
1, business vehicles: engaged in social transportation and freight vehicle.
2, non operating vehicles: unit for personal use or for personal and family life of the vehicle.
(two) types of vehicles
1, passenger car: motor vehicle to the traffic management department issued driving license seat shall prevail.
2, truck: all vehicles are calculated according to the load.
3, Trailer: no maneuverable vehicle.
4: special purpose vehicles, special vehicles.
(three) A, B type of vehicle classification standard
1, a vehicle: (1) all vehicle imports.
(2) the main spare parts imports, domestic assembly of the vehicle deck.
(3) the joint venture production of 16 above (including) the bus.
(4) joint venture enterprise of domestic production of less than 70% vehicles.
2, the B class vehicles except a outside the vehicle.

Product mix (a family private vehicle)
The basic type
Scope of application: meet the statutory protection
Recommendation: third party liability insurance
Novice suggest additional passenger liability insurance

Economic type
Scope of application: cherish the love, and the installation of anti-theft system
Recommendation: third party liability insurance and vehicle damage insurance + car people + irrespective of percentage of insurance liability insurance

Standard type
Scope: car has comprehensive protection for
Recommended products: the third party liability insurance and loss of vehicle insurance and the person on the car insurance + breakage of glass and the whole vehicle pilfer + spontaneous combustion risk of loss and no fault insurance + irrespective of percentage of insurance


Product mix (two organs, enterprises and institutions vehicle)


Recommended products:

The third party liability insurance
The vehicle damage insurance
The person on the car insurance
Whole vehicle pilfer
Breakage of glass
Spontaneous combustion risk of loss
Body scratch insurance
Irrespective of percentage of insurance


Product mix three (commercial vehicles)


Recommended products:

The third party liability insurance
The vehicle damage insurance
The person on the car insurance
Cargo liability insurance
Breakage of glass
Irrespective of percentage of insurance

Insurance: definition (WPA)
Third party liability insurance
Insurance: accident, direct loss causes the third suffers from a personal injury and property insurance company, pursuant to the provisions of the law and the contract of insurance compensation.
The vehicle damage insurance
Insurance liability:
(a) collision, fire, explosion, collapse, the external objects collapse or fall; lightning, storm, flood, tornado, tsunami, landslide, debris flow, landslide, avalanche, hail; carrying ferry from natural disasters;
(two) to rescue, protection measures or transferred to the reasonable cost of repairs expenditure.
Insurance: definition two (additional risks)
Whole vehicle pilfer
Insurance liability:
(a) the whole car theft insurance vehicle robbery, robbery, the police criminal investigation department at or above the county level investigation, confirmed not accounted for over three months;
(two) the whole car robbery, robbery, robbery are damaged or so thousands of car parts, ancillary equipment lost reasonable cost of repair.
Responsibility of the personnel on the car
Insurance: accident, the insurance vehicle staff car suffered casualties.
Cargo liability insurance
Insurance: insurance accident occurs, the insurance on the cargo vehicle suffered direct damage, and to pay in order to reduce the loss of goods vehicles reasonable rescue, protection expense.
Insurance: definition three (additional risks)
No fault liability insurance
Insurance: Insurance vehicles in use process, with the third (limited to non motor vehicles and pedestrians) traffic accidents, do third casualties by the public security traffic management department shall decide within one month after the third has not yet repaid.
Vehicle cargo liability insurance
Insurance: Insurance vehicles in use process, direct damage to the cargo from the car drop causing casualties or property of a third.
Spontaneous loss insurance
Insurance: Insurance vehicles in use process, due to the failure of the vehicle and cargo, line, electrical supply system itself causes fire damage, and the reasonable treatment in order to reduce the loss cost.
Body scratch damage insurance
Insurance: because others malicious behavior caused by man-made scratch insurance vehicle.


How to do car be or get out of danger?


The accident happens in the vehicle immediately after the alarm to the public security department, and promptly call the insurance company service hotline.
The insurance company will send personnel to assist you with exploration.
Vehicles can not travel insurance company will arrange for your rescue vehicle.
Insurance companies need to determine the loss of vehicle repair before.
There were injuries, we will keep in touch with you, provide the accident treatment and cable with guidance.
We will show you need to submit claims data.