What are the main types of auto insurance?

What are the main types of auto insurance?
Compulsory insurance:
    Motor vehicle traffic accident liability compulsory insurance (compulsory insurance)
Non compulsory insurance:
    1, the vehicle damage insurance
    2, the third party liability insurance
    3, the driver and passengers casualty (i.e. vehicle liability insurance)
    4, spontaneous combustion risk of loss
    5, non deductible special risks
    6, the windshield glass breakage
    7, the whole vehicle pilfer
    8, the new device to increase the risk of loss
    9, no fault liability insurance
What are the practical significance of two, insurance?

Compulsory insurance:
    Motor vehicle traffic accident liability compulsory insurance
Refers to the insurance company to the insured motor vehicle road traffic accidents caused by the vehicle, be casualties, property loss insurance victims except the people, be compulsory liability insurance compensation within the limit of liability. Compulsory motor vehicle traffic accident liability insurance liability limit of 60000 yuan, including death and disability compensation for 50000 yuan, 8000 yuan for medical expenses, property damage compensation 2000 yuan. And the insured has no liability in traffic accident, the compensation limit respectively in accordance with the above three limits 20%. The basic rate of compulsory insurance is divided into the family car, non operating passenger cars, business cars such as the 8 major categories of 42 small class of vehicle, the insurance premium each are not identical. The 6 seat family car insurance premium of 1050 yuan, more than 6 seats to 1100 yuan; 6 the following business taxi premium for 1800 yuan, more than 36 bus is 4690 yuan, more than 10 tons truck for 4480 yuan; 50CC--250CC motorcycle premium for 180 yuan.
Cross strong insurance is mandatory, wide coverage characteristics and public welfare, mainly in the following six aspects:
1, compulsory insurance and compulsory insurance. Cross strong insurance mandatory embodied its owner or manager for the motor vehicle road in all of the insured in the insurance must be in accordance with the law. Different from the current third party liability insurance for motor vehicles, "Regulations" also requires management to deliver strong insurance qualified insurance companies could no longer deny coverage and free to terminate the contract.
2, the principle of compensation change. Motor vehicle third party liability insurance business, the insurance company is responsible for the accident, according to the Insured undertakes in traffic accidents to determine the liability of compensation. After the implementation of compulsory insurance, whether the insured was responsible in the traffic accident, the insurance company will be in accordance with the "Regulations" specific requirements and cross strong insurance clause within the limit of liability for compensation.
3, the wide scope of protection. In order to effectively control the risk, reduce losses, provisions of commercial motor vehicle third party liability insurance have different exclusions and franchise (amount). And cross strong insurance in addition to the insured intentionally causing traffic accidents, a few cases, the liability insurance covering almost all road traffic risk, and do not set a franchise and deductible.
4, according to the break even principles of insurance premium. Cross strong insurance is not for profit, and the implementation of management accounting, alone and separated from the other insurance business. And the commercial motor vehicle third party liability insurance is no management, separate accounting separately from other insurance coverage.
5, implement the subentry liability limit. Commercial motor vehicle third party liability insurance is both human injury or loss of compensation in a limit, and by insurance companies to make liability limit level. Cross strong insurance implement breakdown liability stipulated by law, namely the quota limit of indemnity, death and disability compensation for medical expenses, property damage compensation quota limit and the insured has no liability in road traffic accidents.
6, a unified provisions and the basic rate, and rate and traffic peccancy hook. In the commercial motor vehicle third party liability insurance in terms of the rate of different insurance company mutual differences. Cross strong insurance unified insurance clauses and premium.
Non compulsory insurance:
    1, the vehicle damage insurance
Responsible for compensation due to natural disasters or accidents caused by the loss of vehicle. This is the most important categories in automobile insurance. If you don't keep this insurance, vehicle collision after the repair cost of the insurance company is not responsible for compensation, all by their own pocket. Slight collision does not matter, not how much money to spend; a big accident repairs to be many, may far exceed the premium; car scrapping miserably, hundreds of thousands of yuan of money not. Spend thousands of yuan of money to cover the insurance premium, after the vehicle no matter the slight accident or accident, loss of most of the insurance company to compensate. Even if the car scrapped can also use the insurance company claims to buy another one. Thousands of yuan of money can buy peace of mind. So, if your car you care about, is the insured vehicle damage insurance.
Some cars can be considered not insure against loss of vehicle insurance. For example, almost useless junk, repair cost is very cheap, after crashing his amendment is also not much money to spend. if you want to insure non deductible liability insurance, it must be the insured vehicle loss. Because it is the additional risk of the latter, must insure the vehicle damage insurance to cover non deductible insurance.
    2, the third party liability insurance
Responsible for vehicle accidents caused by others (third persons) losses of life and property.
    The third party liability insurance is the most valuable of insurance, but also the provisions of the State shall ensure project. The most afraid of driving is to meet with each other, their car loss is not, but also spend a lot of money to compensate the loss of another. Especially the crash is the worst, when people hit the remnant or killed, I sold the car will not lose. Insured insurance after the not afraid of other people's money, paid by the insurance company to pay most of. The insurance premium is very cheap, only 800 yuan or 1040 yuan, but it can get compensation up to a maximum of 50000 yuan or 100000 yuan.
The third party liability insurance is the compulsory national insurance insurance. The reason so many people after the traffic accident escaping is afraid of losing money, afraid of losing money due to no insurance third party liability insurance, the money can only be by themselves. Covered this insurance will not lose money, after no run. The third party liability compulsory insurance for the insurance awareness is not strong man is good.
So, third party liability insurance must be insured.
    3, the driver and passengers casualty (i.e. vehicle liability insurance)
Due to traffic accidents caused by driver, passenger casualties by driver, passenger accident insurance to compensate for the losses. The car has a price one priceless, as the driver and passengers do of course necessary insurance. If you have a unit against group personal accident insurance or in personal life insurance insurance personal accident injury insurance, also can not guarantee the insurance.
    4, spontaneous combustion risk of loss
This is the new increase of 97 years of insurance, it damages due to failure or carry cargo car line, the electrical supply system, their own reasons for the loss caused by fire vehicle. This kind of value is not great, but the rate is not low (0.4%). The real vehicle self ignition accident rarely, more than 100000 yuan in high-grade car spontaneous combustion, even less. In addition, the vehicle ignition if related to quality, manufacturer is to cope with the liability of compensation. So do not give you recommend this categories.
    5, non deductible special risks
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% equal responsibility for the negative secondary responsibility for 95%. The accident loss in 20%, 15%, 10%, 5% need your own pocket. If the security of this type, in the accident whether you negative what responsibility, insurance company you are by 100% compensation. So the insurance commonly known as "100% compensation insurance". 100% payment is very important, on the one hand, the insurance after the Chuxian you generally don't have to spend all the money, to pay the insurance company. What is the purpose of insurance into? Not that any money from the insurance? If you have to spend money, then what is the point? On the other hand, the 100% payment is good for dealing with traffic accidents. The accident occurred after they tried to excuse myself for the responsibility, because this can make you less money. If the 100% payment, you need not too dispute liability (the money all the insurance company to compensate), accidents are more easy to solve, this can save you time. Third, good 100% payment of insurance accident claims. If it were not for the 100% payment, the loss or relevant to your interests: loss of high you believe money is low, you conceited loss less money. So the damage is necessary for a dispute, although very bother. 100% payments you don't have to argue, but all the money compensation from insurance companies, as long as the car on the line. therefore, non deductible insurance liability, absolute money!
    6, breakage of glass
If the insured of this insurance, car is in park or in use process, the other part is not broken, only the windshield broken glass alone, windscreen loss by the insurance company for compensation.
If your car is not very high, the wind speed value is not very high. Because the rate is too high: domestic car rate is 0.15%, import car 0.25% (more expensive, respectively 0.2% and 0.5%). For example, a value of 120000 yuan of Santana, wind speed of the premium is 180 yuan, but in exchange for a windscreen is only 300 yuan. So, for the average family car, the windshield glass can be used as selection of insurance insurance insurance.
    7, the whole vehicle pilfer
Responsible for the 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. current social lost the car lot, for your safety, daochengjian as far as possible to the insured, the car must be. The some car lost little, not necessarily not pilfer. This includes: truck; cab; all the old letters waste.
    8, the new device to increase the risk of loss
When your own vehicle mounted air conditioning, CD audio, alarm, leather seats and other equipment with the factory is not the vehicle, can be considered for new equipment increased risk of loss. After insurance, accident damage in these devices can receive compensation from the insurance company. these devices are generally installed in the car when the accident happened, rarely hit. So, little value insurance.
    9, no fault liability insurance
Charge or the rear of vehicle insurance, no fault party, should not assume liability to pay compensation, but for some reason, the actual paid each other and unable to recover the cost, the insurance company responsible for compensation. But every time there are 20% franchise, that is up to 80%. There was no practical meaning in general family car insurance.