What does auto commercial insurance include?

1. Vehicle damage insurance:

Vehicle loss insurance refers to the loss of the insured vehicle caused by natural disasters (excluding earthquake) or accidents within the scope of insurance liability, and the insurer shall pay compensation according to the provisions of the insurance contract.

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2. Third party liability insurance:

It refers to the direct loss of property and casualties of a third party caused by the occurrence of business external matters during the use of the insured vehicle by a qualified driver.

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3:Theft insurance

The insurance liability for the entire vehicle of the motor vehicle shall be for the loss of the vehicle caused by the theft, robbery and capture of the whole vehicle, as well as the damage to the vehicle or the parts and components of the vehicle during the theft, robbery and capture, loss of ancillary equipment requires reasonable cost of repair.

The insurance liability for the entire vehicle of the motor vehicle includes two parts:

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(1) the loss of the insured vehicle caused by theft, robbery or robbery;

(2) the reasonable expenses caused by the theft, robbery and capture of the insured vehicle.

The insurance company shall be responsible for the compensation of the above two parts in the amount of the insurance.

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4. On-board seat liability insurance:

The on-board personnel liability insurance shall be responsible for compensating for the cost loss caused by the accident of the insured vehicle, resulting in the death and injury of the driver or passenger on the vehicle, and the necessary and reasonable rescue and protection expenses to reduce the loss.

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5. Risk of single glass break:

Refers to the use of the car in the process of broken glass alone, pay attention to the “separate” two words, and if other accidents caused by the car damage insurance can also be compensated.

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6.Spontaneous combustion risk:

During the driving process of the vehicle, due to the failure of the vehicle’s electrical appliances, lines and oil supply system and the spontaneous combustion of the carrying goods, the vehicle is burned, resulting in the loss of the vehicle and the reasonable expenses paid for the rescue.

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7.Impression:

In the process of use, by others (no obvious collision marks) need to repair the cost.

8. Excluding the deductible rate:

The insurance company shall be responsible for the compensation of the amount of exemption (20%) incurred by the insured for the occurrence of vehicle damage insurance or third party liability insurance.

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9. Excluding the deductible amount:

The insurance company shall be responsible for the compensation of the amount of the exemption (500 yuan) borne by the insured for the vehicle damage insurance or the third party liability insurance.

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10. Compulsory insurance:

Compulsory insurance refers to the personal injury or death and property loss of the victims (excluding the personnel of the own vehicle and the insured) caused by the road traffic accident of the insured motor vehicle, compulsory liability insurance for compensation within the limit of liability.

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11. New equipment loss insurance:

The new equipment damage insurance shall be responsible for compensating for the direct loss of the new equipment on the vehicle caused by the collision of the vehicle and other accidents. The newly added equipment refers to the equipment and facilities additionally installed by the vehicle owner in addition to the original equipment of the vehicle. Such as: CD, DVD and TV video recording equipment, GPS vehicle positioning terminal, leather or electric seat, etc.

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