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Car insurance, motor vehicle insurance, referred to as auto insurance is the insurance of a commercial motor vehicle liability due to personal injury or property damage caused by natural disasters or accidents negative. Car insurance is a property and casualty insurance, in the field of property insurance, car insurance is a relatively young insurance, car insurance is associated with the emergence and popularity of the automobile and development. At the same time, the modern motor vehicle insurance, in the early days of the automobile insurance based on the risk of automobile third party liability insurance-based insurance and gradually extended to the loss of body collision.
Classification of car insurance
Auto insurance types can be classified according to the nature of compulsory insurance and commercial insurance. Auto insurance types under the protection of areas of responsibility can be divided into basic insurance and additional insurance.
The basic insurance including third party liability, loss of vehicle the insurance; policyholders can choose the insurance part of insurance, and all types of insurance can also choose to insure.
Additional risks including car pilfer (pilfer), vehicle liability insurance (driver liability insurance and passenger liability insurance), glass separate the risk of breakage, spontaneous loss of insurance, strict liability insurance, car cargo drop liability insurance, vehicle stop driving the risk of loss, new equipment damage insurance, excluding special insurance deductible. Separate glass breakage, spontaneous loss of insurance, additional equipment damage insurance, the additional risk of body damage insurance must be insured vehicle damage insurance to insure these additional risks. Vehicle liability insurance, no-fault liability insurance, car cargo drop liability insurance, third party liability insurance, additional insurance must be insured to the third party liability insurance to insure these additional risks;