BD II. Performance guarantee insurance cannot cover all loan risks. In the process of cooperation between banks and insurance companies in personal car loans, the exemption clauses in insurance contracts often make insurance companies? Golden cicada shell? It is difficult for loan banks to investigate the insurance liability of insurance companies; The scope of liability of the guarantee insurance in item C is limited to the loan principal and interest, and the scope of liability of the guarantee includes the loan principal and interest, liquidated damages, damages and the expenses for realizing the creditor's rights.