What are the types of China Ping 'an auto insurance?

The types of automobile insurance mainly include the following:

I. Third party liability insurance

The insurance company suffers personal injury or direct property loss due to the accident of the insured vehicle.

Pay compensation in accordance with the relevant provisions of the insurance contract. The emphasis here is on "others", that is, the third party. The insurance contract stipulates the insurance liability of the insurance company as follows: If the qualified driver allowed by the insured has an accident in the process of using the insured vehicle, causing personal injury or direct property loss to a third party, the insurance company shall compensate in accordance with the Measures for Handling Road Traffic Accidents and the provisions of the insurance contract.

Second, the whole car was stolen.

It refers to the reasonable expenses that the insured vehicle is stolen or robbed as a whole, but its whereabouts have not been ascertained within three months after being put on file by the public security criminal investigation department, or the insured vehicle is damaged during the stolen, robbed or robbed period, or the parts and accessories on the vehicle are lost and need to be repaired, and the insurance company is responsible for compensation.

Third, vehicle liability insurance

Refers to the economic compensation liability that the insured shall bear in accordance with the law when the motor vehicle insured by this insurance has an accident in use, resulting in direct damage to the goods carried by the insured vehicle and personal injury or death of the people on board. The insurance company calculates the compensation within the amount of insurance compensation specified in the insurance policy.

Four, no-fault liability insurance

Refers to the vehicle insured by this insurance, which has a traffic accident with non-motor vehicles and pedestrians, causing casualties and direct property losses to the other party. The insured refuses to pay compensation without fault, and the insurance company is responsible for compensating the irrecoverable expenses that the insured has paid to the other party.

Verb (abbreviation of verb) Vehicle-borne cargo fall liability insurance

Refers to the economic compensation liability that should be borne by the insured according to law and compensated by the insurance company when the motor vehicle insured by this insurance falls off from the vehicle in use, causing personal injury or direct property loss to a third party.

Six, separate glass breakage insurance

Refers to the motor vehicles covered by this insurance. When the glass of this car is broken separately during parking or use, the insurance company will compensate according to the actual loss.

Seven, vehicle stop-loss insurance

Refers to the loss caused by the suspension of the motor vehicle insured by this insurance due to the damage of natural disasters or accidents in use. The insurance company shall make compensation according to the compensation days and daily compensation amount agreed with the insured.

Eight, natural loss insurance

Refers to the motor vehicles covered by this insurance. In the course of use, the insurance company shall be responsible for compensation for the loss of the insured vehicle caused by the failure of the vehicle circuit, line and oil supply system and the fire of the goods themselves.

Nine, the new equipment loss insurance

Refers to the direct damage of new equipment caused by natural disasters or accidents in the use of motor vehicles covered by this insurance, and the insurance company is responsible for compensation.

Ten, excluding deductible special insurance.

Refers to the motor vehicle that is compensated by this special insurance accident, loss insurance and third party liability insurance accident, and the insurance company is responsible for compensation according to the deductible it should bear within the amount that meets the compensation requirements.