汽车保险险种解析（Analysis of automobile insurance types）.docVIP

汽车保险险种解析（Analysis of automobile insurance types） First, auto insurance insurance interpretation Basic risks At present, the majority (such as Chinese Paul, Chinese Pacific, Chinese safety) the provisions of the insurance company in terms of the basic risks including commercial third party liability insurance, vehicle insurance, whole vehicle pilfer, vehicle liability insurance for a total of four independent insurance, the insured can choose which part of the insurance coverage, the insured can choose all types of insurance. But companies have some differences in underwriting, please refer to its underwriting requirements shall prevail and view the various insurance companies! Additional risks Additional risks refer to the types of insurance that cannot be covered separately. They must be insured only after the corresponding major risks have been covered. Additional risks and most owners often Paul is the additional risk loss of vehicle insurance, such as breakage of glass body, scratches insurance, spontaneous loss of insurance, engine wading loss insurance, increase equipment damage insurance, car damage deductible special insurance; additional risks often guarantee after the insured for third party liability insurance or loss of vehicles insurance is excluding franchise insurance. Commercial third party liability insurance In the motor vehicle insurance contract in insurance company known as the first, the owners of insurance auto insurance is called the second person, in addition to the insurance company and the owner is called the third person, generally refers to the outside of the car and the car staff person or thing. Here said the third party liability insurance, refers to the insured or the authorized driver in the use of vehicle insurance in the process of accident, direct damage caused to the third party suffered personal injury and property, by the amount of compensation shall be paid by the insured, the insurance company in accordance with the provisio