The following types of insurance are must-buy insurances:

1. Compulsory traffic insurance.

This is the type of insurance that must be purchased by the state. As long as the borrower buys a car, compulsory traffic insurance is mandatory and is not negotiable.

2. Third liability insurance.

The compensation amount for compulsory traffic insurance is relatively low, but if the borrower purchases third-party liability insurance, the amount of compensation after an accident will be relatively much higher.

3. Complete car theft and rescue.

After buying a new car, it must be as painful as treating it as a treasure, especially a good car. Of course, you are afraid of being stolen or robbed. At this time, it is necessary to buy a complete car theft protection. With the guarantee of this insurance, the borrower does not have to worry about the new car being stolen or robbed.

4. Vehicle damage insurance.

This is one of the most common types of insurance for new cars. If the car is scratched or scratched during future use, you can apply for a claim to reduce the borrower's losses while using the car.

5. Excluding deductible insurance.

6. Scratch insurance: High-end cars usually require purchase.

Several common car types:

1. Vehicle loss insurance:

In motor vehicle insurance, vehicle loss insurance and third-party liability insurance constitute Its main insurance types, combined with a number of additional insurances, provide insurance customers with a wide range of risk protection services.

2. Third-party liability insurance

Motor vehicle third-party liability insurance is to cover the insured or its permitted qualified drivers when using the insured vehicle due to accidents. A type of insurance that covers the risk of damage claims from third parties due to accidents. Since the main purpose of third-party liability insurance is to safeguard the safety and interests of the public, in practice it is usually regarded as statutory insurance and is enforced.

3. Additional insurance

From China’s current motor vehicle insurance terms, there are mainly additional theft insurance, additional spontaneous combustion loss insurance, additional water-related driving loss insurance, and additional new equipment. Loss insurance, additional non-deductible special insurance, additional driver accident insurance, additional designated specialized repair insurance, etc. Insurance customers can choose to add insurance according to their own needs.

4. Theft and rescue insurance

Theft and rescue insurance is responsible for compensating for all losses caused by the theft, robbery, and robbery of the insured vehicle, as well as the damage to the vehicle or the parts and components on the vehicle during the period. Losses caused by loss of accessory equipment, but cannot be damaged intentionally.

4. People in the vehicle

It refers to accidental injuries and deaths of people in the vehicle, mainly accidental injuries, which is the medical expenses after the injury.

5. Scratch insurance

Scratch insurance is vehicle scratch insurance. It is one of the additional insurances. It is mainly used as a supplement to car damage insurance and can provide insurance for accidents. Provides effective protection against scratches on the car body. Scratch insurance is aimed at scratches on the paint surface of the car body. If the collision marks are obvious, there is a cut, and there is a big dent, this is not a scratch and falls within the scope of the car damage insurance claim.

6. Individual glass breakage insurance

Individual glass breakage insurance is a type of loss in which the insurance company is responsible for compensating for the loss of individual glass breakage of the vehicle itself during the use of the insured car insurance. Business insurance. Car owners must pay attention to the word "individual", which means that the insurance company can only compensate if the windshield and window glass (excluding lights and mirror glass) of the insured vehicle are damaged.

7. Spontaneous combustion insurance

During the insurance period, during the use of the insured vehicle, due to problems with the vehicle’s circuits, lines, oil lines, fuel supply systems, and cargo itself, the machine may fail. The insurance company will compensate the insured for the reasonable rescue expenses that must be paid to reduce the loss of the insured vehicle when the insured accident occurs.

8. Designated repair shop

It is what we usually call a 4S shop. The price of guaranteeing this loss is high.

9. Excluding deductibles

Insurance companies are not taken advantage of. They will compensate the car owner for the amount of his losses. Bearing 80% of the responsibility means that if the damage is 1,000 yuan, only 800 yuan will be paid. The car owner bears 20% of the responsibility, so it is better to insure it.

Data source: Motor vehicle insurance? Baidu Encyclopedia