If you want to get auto insurance, you first need to understand the definition of people related to auto insurance.

1. Owner: license plate registrant.

2. Insurance company: insurance company.

3. Insured: After the real-name registration system, the person who pays the insurance premium and pays the insurance premium can only be the owner.

4. Insured: Only the owner of the vehicle, that is, the registrant of the vehicle license plate, can apply for compensation.

5. Beneficiary: court/designee, default insured.

6. Third-party employees:

A: First of all: insurance companies and their agents.

B The second party: the owner (insured = insured, victim).

C third party: any party other than the accident.

Compulsory traffic insurance covers third-party employees and vehicles, but does not include employees on vehicles.

Do you know the types of auto insurance and the skills of buying portfolio insurance?

The second part is an overview of automobile insurance.

Auto insurance includes compulsory insurance (including travel tax) and commercial insurance.

1. Compulsory insurance and travel tax:

1. Compulsory insurance: National compulsory regulations must be purchased every year.

2. The warranty cannot be broken. It must be purchased continuously every year, and there is no expiration date.

3. Can't refuse insurance: Insurance companies can't refuse insurance.

4. Travel tax: it can be paid separately by the local taxation bureau, and it is generally recommended to pay it together with compulsory insurance.

2. Commercial insurance:

1. Voluntary insurance:

2. The warranty may be invalid.

You can refuse insurance. Insurance companies can refuse insurance.

Buy auto insurance to avoid double insurance. Auto insurance claims are mainly based on compensation, and the sum of compensation and compensation is only the actual loss amount. It is meaningless to buy multiple copies, and compensation will not be repeated. It is different from critical illness insurance. Life insurance, accident insurance and life insurance.

The third part is an overview of traffic compulsory insurance.

First of all, to summarize:

1. statement: "automobile accident liability insurance" is compulsory insurance purchased by the state to protect the rights of third parties and avoid compensation or inability to pay compensation.

2. Results: There is no compulsory compulsory traffic insurance on the road, including both violations (fines) and violations.

3. Liability: To provide liability protection for the owner to compensate the third party for personal injury and property loss without compensating his own vehicle.

2. Reminder:

1. The design coverage of compulsory traffic insurance is relatively low, which is a basic guarantee and is not enough to cover any possible third party losses.

2. It is suggested to supplement commercial insurance with third party liability insurance.

3. Compulsory compulsory insurance is paid before commercial insurance.

Part 4, overview of travel tax.

Since 2007, property tax has been levied on registered vehicles. The tax genes of cars and ships vary from region to region, but there is little difference.

The fifth part, the main types of commercial insurance.

Summary:

1. If the customer voluntarily takes out insurance due to risks and economic considerations,

2. The core responsibility of property insurance companies to operate auto insurance.

3. The insurance company has set up indemnity and partial deductible, and reserves the right to refuse insurance. 1. Automobile damage insurance (commercial main insurance):

Insurance to cover the loss of your own car. Responsibilities include: natural disasters (except earthquakes) and accidents: collision, tumbling, falling, fire, explosion, falling and collapse of foreign objects, storm, rainstorm, landslide, hail, typhoon, tropical storm, sandstorm, snowstorm, etc.

Compensation items: vehicle loss and rescue expenses. For example: fire fighting, cranes, rescue vehicles, etc.

Compensation amount: the insured amount of the vehicle will automatically become invalid when it is used up (total loss).

2. Third-party liability insurance (major commercial insurance):

The third party liability insurance is a kind of insurance to compensate the loss of life and property of the third party and the incompleteness of the third party liability insurance.

The limit of third party liability insurance is very important. We suggest that the minimum amount should be 500,000 or 6,543.8+0,000. The insurance amount takes into account two factors.

1. Compensation for conflict death = local per capita disposable income in the previous year x 20 years (under 60 years old)

2. The family's ability to pay in case of accident.

3. Passenger liability insurance (commercial major insurance):

1. Purpose: to provide risk protection for people in the car when using it.

2. Inside the car: inside or outside the car.

3. Staff: driver+passenger (see the number of seats approved by your driver's license).

4. Limit: RMB 65,438+00,000 yuan or 50,000 yuan per seat.

5. Insured: Most passengers are relatives and friends, so it is recommended to buy insurance, and the amount of insurance is up to him/her.

Four, the overall car theft rescue (commercial main insurance):

Theft rescue can compensate all the losses caused by vehicle theft, as well as the loss of vehicle parts during and after vehicle theft. Terms of payment application:

1. The case registration certificate issued by the public security investigation department after being stolen or stolen.

It cannot be recovered within 2.60 days.

Satisfying the above two conditions is the reward for the vehicle. When you face risks, you should consider monthly depreciation and 20% deduction.

3. Consider coverage: vehicle depreciation, regular driving and parking areas, relevant requirements of financial institutions, relevant requirements of online parking companies, vehicle anti-theft settings, vehicle value, etc.

Part VI Additional Risks of Commercial Insurance

1. excluding deductible insurance (commercial additional insurance)

A. definition of deductible: uncompensated part.

B. absolute deductible: compensation must be made after deducting deductible. There are two kinds of absolute deductible: absolute fixed deductible (fixed amount) or absolute deductible (fixed rate).

All of them. Excluding deductible: if the insurance covers the amount that the insurance company should deduct again, there is no need to calculate the deductible, which protects the owner to the greatest extent.

This kind of insurance is provided together with the main insurance/additional insurance, which is basically purchased by customers themselves. Excluding deductions from various major insurances:

1. Car damage insurance does not include deductibles: full liability is 20%, main liability is 15%, equal liability is 10%, and secondary liability is 5%. Non-accident liability for violating safety liability is 10%. 2. Commercial insurance does not include deductibles. The third person is responsible for the deduction according to his own responsibility, with the total responsibility of 20%, the primary responsibility of 15%, the equal responsibility of 10% and the secondary responsibility of 5%.

Life insurance on the car does not include deductible. 20% full responsibility, 15% primary responsibility, 10% equal responsibility, 5% secondary responsibility.

4. No deductible is calculated for the whole vehicle theft rescue. 20% fixed deductible.

5. Voluntary combustion insurance does not include deductible: a fixed 20% deductible.

6. Deductions (deductibles and incomplete compensation) under other additional risks are excluded: the third party is responsible for compensation, but the amount of compensation that the third party cannot find has increased, so the insured amount is not deducted. You can get a reward.

For example, if your car is parked on the side of the road and no one can find any scratches, then you need to buy another kind of "scratch insurance" insurance. If the vehicle is hit, but someone escapes, you can't find a third party. You must use other additional risks to cover "finding a non-third party".

2. No third-party liability insurance (additional insurance) was found:

In the process of using the vehicle, sometimes the following situations will occur: you park the vehicle normally and come back only to know that the vehicle has hit someone. In this case, the car damage insurance can deduct this fee, so the normal report can only cover 70% at most.

This extra insurance is designed for this situation. If you don't have a special parking space, or if your car is of high value, it is necessary and reasonable to buy this extra insurance. The insurance premium is not too expensive, but it can avoid such unexpected risks and is cost-effective.

It is worth noting that some insurance companies refuse to cover this extra insurance in some areas. Because there are many such insurance frauds in this field, insurance companies refuse to underwrite for the sake of risk management.

3. Temporary loss insurance (additional risks):

Car damage insurance is standard, which will not cause obvious damage to the paint surface of the vehicle in the event of a collision.

Car damage insurance pays for vehicles, but to determine the amount, it is necessary to distinguish the responsibilities. Being stopped by the roadside and marked, I found that a third party would be liable for compensation, so I had to use scratch insurance to bear the risk of this situation.

4. Individual risks of glass breakage (additional risks):

In the event of a collision, the broken glass and the vehicle are damaged together, and the vehicle damage insurance should bear the responsibility. Only when the glass is lost alone will the vehicle damage insurance be deducted from the original compensation. Therefore, you need extra insurance to prevent individual glasses from breaking.

According to the classification of domestic/imported glass, it is used to supplement insurance. Glass is only front and rear windshield+window glass (except skylight, reflector and lighting lamp).

For people who often drive at high speed, it is still common for stones to hit the windshield. It is recommended to use insurance. Car owners who often park on the roadside are only worried about glass damage or technical difficulty. If you just want to damage the glass, you'd better guarantee it.

5. Natural combustion insurance (additional risks):

If a fire is caused by the damage of the vehicle itself during the use of the vehicle, it is not covered by the vehicle damage insurance. Therefore, natural additional risks are needed. Do you know the types of auto insurance and the skills of buying portfolio insurance?

In fact, the liability for natural combustion insurance is relatively narrow. We are not responsible for other fires of vehicles or other man-made fire losses, only for the losses caused by the fires of vehicles themselves.

It is best to provide insurance for vehicles that like to modify vehicles, vehicles with long service life, vehicles with high frequency of use, and vehicles with repaired circuits and oil circuits.

Objectively speaking, due to the low cost performance and more choices of natural combustion insurance, insurance companies may increase the premium or refuse insurance, and car owners need to choose insurance according to the actual situation of the vehicle.

6. Wade insurance (additional risks):

If the engine water is damaged during the use of the vehicle, and the car damage insurance cannot be paid, additional insurance must be used to compensate. So extra water insurance is needed.

Touring car insurance covers the engine loss caused by water ingress, but it is not responsible for the second start after the damage. Because this behavior is a man-made loss.

If it often rains in the city where the owner is located, the drainage in the whole city is not smooth, or the parking place is low in altitude, then it is best to buy water insurance.

7. Insurance for new equipment (additional risks):

Sometimes the configuration or hatred of the vehicle is very poor, and the owner has made some modifications on his own within the scope permitted by law, adding or replacing CD, lighting and other equipment. In the event of an accident, the insurance company will not be responsible for the damage of newly added components and equipment unless the owner has purchased "new equipment insurance".

In order to purchase insurance for new equipment, new parts and invoices required by insurance companies must be provided in time, and insurance can be purchased if insurance companies agree.

Usually, car owners don't need to buy this extra insurance. For car owners who make major changes to their vehicles, in order to avoid vehicle accidents, insurance companies refuse to compensate for new equipment, and there is a certain demand for purchase.

The seventh part is the suggestion of automobile insurance purchase portfolio.

1. Classification of insurance product portfolio:

A. purchase compulsory insurance separately.

B. Buy commercial insurance separately.

C. compulsory insurance and commercial insurance are insured together.

D. Sanquan Insurance: Compulsory compulsory insurance+commercial insurance only covers third-party liability insurance.

2. The sum of the minimum regular insurance premiums guaranteed by the franchisees:

All the most basic insurance concepts = traffic congestion+commercial vehicle damage +3 commercial vehicles+no additional deductible.

3. Loan installment related customers:

Usually, "necessary" should be transportation and insurance (including theft and rescue). And online car rental customers need anti-theft insurance.

The eighth part, check the picture

Whether it is renewal or mid-term, if your new insurance covers some insurance for vehicle maintenance, such as car damage insurance, scratch insurance, broken glass insurance and so on. The insurance company is worried that you will get insurance. If you are injured, please use the date in the newspaper to prove that you were insured on the insurance day, or take photos with a specific vehicle inspection code (mainly the current vehicle inspection code) to prove that the vehicle is in good condition. When the car damage insurance is terminated, it is the same as the above situation at the time of insurance, and the car must be inspected and photographed.

1. Drive to the insurance company to check the car and take photos.

2. Take your own photos and upload them to the Internet.

Usually you need 5 photos: 4 45-degree photos (front, back, left and right)+1 photo frame number.

Photo frame number photo

The ninth part, refusing commercial insurance.

An insurance company may refuse commercial insurance under the following circumstances:

1. Cars with too many appearances;

There are too many illegal vehicles.

3. 10 old cars;

4. Second-hand means of transportation;

5. Cars that are too expensive to repair:

Finally, all auto insurance now uses electronic insurance policies, which have been networked nationwide. If you need a paper insurance policy, you can print it out so that you can tell your insurance agent and keep it.