Automobile insurance is a commitment to motor vehicles as a result of natural disasters or accidents resulting from personal injury or property damage liability of a commercial insurance.
2, motor vehicle insurance, including what specific types of insurance?
Motor vehicle insurance consists of two parts: the main risk and additional risk. Among them, two main types of insurance, including the following:
Vehicles loss insurance
Third-party liability insurance
Additional risks include the following types:
Vehicle liability insurance
No-fault liability insurance
Vehicle liability insurance of goods fall
Windshield glass separate the risk of breakage
Vehicles to stop loss insurance
Risk the loss of spontaneous combustion
Vehicle insurance (Motor Vehicle Insurance)
Motor vehicle insurance is based on motor vehicle itself and its third party liability insurance as a subject of insurance carriers. Its insurance, mainly motor vehicle with various corporate groups and individuals; its insurance subject, mainly various types of cars, but also includes trams, car batteries and other special vehicles and motorcycles.
Loss insurance vehicle: responsible for compensation due to natural disasters or accidents caused by the loss of self-insurance vehicles.
Third-party liability insurance: Insurance is responsible for the use of vehicles in accidents caused by others (ie the third party) of personal injury or property damage liability directly.
compensation insurance is responsible for stolen vehicles, was robbery, stolen vehicle caused a total loss, as well as the period as a result of vehicle damage or vehicle parts and components, ancillary equipment losses caused by the loss.
Vehicle liability insurance: Insurance is responsible for accidents caused by vehicles on board the personal injuries and vehicle damage to the goods on the direct liability. One vehicle personal injury liability is the last driver of passenger accident insurance.
Vehicle liability insurance of goods falling: to assume the insurance of vehicles in use, the goods fell from a vehicle suffered personal injury caused by a third party or property damage resulting from the direct economic liability.
Broken windshield glass separate risk: the parking of vehicles or use the process in other parts is not broken, only a separate broken windshield glass, windshield glass from the loss of compensation from insurance companies.
Vehicles to stop loss insurance: loss of vehicle insurance vehicle insurance within the scope of the accident, causing damage to the body, causing the vehicle to stop the losses arising from insurance companies for compensation in accordance with the regulations.
Spontaneous combustion loss insurance: vehicles circuits, lines, fuel supply systems as well as the reasons for the carriage of goods own fire caused the loss of vehicle insurance, these losses by the insurance to pay compensation.
Increase the risk of new equipment losses: loss of vehicle insurance vehicle insurance within the scope of the accident, causing the car the new equipment directly damaged by the insurance company for compensation according to the actual loss calculation. Uninsured this insurance, the new equipment to increase the loss of liability insurance.
Excluding special deductible insurance: insurance for the loss of vehicle insurance or a third party vehicle liability insurance accident compensation insurance, and should be borne by the insured person deductible amount from the insurance company to pay compensation. In other words, do the insurance, vehicle insurance for loss of vehicles and third-party liability insurance for the loss, all compensation from insurance companies.
Motor vehicle insurance documents which several forms?
Mainly in the auto insurance following documents:
Insurance alone: it is to apply for insurance policyholders a written certificate of insurance. Insurance alone is usually provided by insurance companies by the insured to fill in and come into force upon signature or seal. Insurance companies in accordance with good insurance policyholders to fill the contents of a single insurance policy issued by the original.
Insurance policy: also known as the original insurance policy. The insurance companies and policyholders to make a written proof of insurance contracts.
Insurance policies issued by insurance companies, insurance companies and the major states between the insured person the rights, obligations relations. It is the insured person to the insurance companies claim certificate.
