4s shop sent a telephone insurance.

You don't have to buy insurance in a 4S shop for a new car, but it is recommended to buy insurance in a 4S shop before going out. Compulsory insurance must be paid, otherwise there will be no temporary license. Commercial insurance is recommended to be bought in the store before going out. For example, the new car didn't buy commercial insurance, so I picked it up and drove out first. I didn't buy commercial insurance in the middle, and the car was in danger, which was not worth the loss.

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Vehicle insurance, namely motor vehicle insurance, referred to as auto insurance, also known as auto insurance. Vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles and special vehicles. It refers to a kind of commercial insurance that bears the responsibility for personal injury or property loss caused by natural disasters or accidents. Automobile insurance is a kind of property insurance. In the field of property insurance, automobile insurance is a relatively young type of insurance, which is due to the emergence and development of automobile insurance with the emergence and popularization of automobiles. At the same time, different from modern motor vehicle insurance, in the initial stage of automobile insurance, third-party liability insurance is the main risk, and it gradually extends to risks such as body collision loss.

Motor vehicle loss insurance

Motor vehicle loss insurance covers the insured vehicle against natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer shall make compensation in accordance with the provisions of the insurance contract.

Motor vehicle third party liability insurance

Motor vehicle third-party liability insurance, for the insured or its allowed qualified drivers in the process of using the insured vehicle, causing personal injury or property losses to a third party, the amount that should be paid by the insured according to law is also compensated by the insurance company. [2]

Vehicle personnel liability insurance

On-board personnel liability insurance refers to the cost loss caused by the accident of the insured vehicle (not intentional by the actor, but unforeseen and irresistible emergencies cause casualties or property losses), and the necessary and reasonable rescue and protection expenses paid to reduce the losses, and the insurance company shall be liable for compensation.

Vehicle theft and emergency rescue

Vehicle theft and rescue refers to

(1) The insured motor vehicle (including the insured trailer) whose whole vehicle is stolen, robbed or robbed has not been found for 60 days after investigation by the criminal investigation department of the public security at or above the county level;

(2) the reasonable expenses for repairing the whole vehicle or causing the loss of parts and accessories on the vehicle after the motor vehicle is stolen, robbed or robbed;

(3) In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insurer to prevent or reduce the loss of the insured motor vehicle shall be borne by the insurer, and the maximum amount shall not exceed the insured amount. The losses in three cases are compensable.

additional insurance

Additional risks include glass breakage alone, vehicle stop loss, spontaneous combustion loss, new equipment loss, engine water intake insurance, no-fault liability insurance, scooter expense insurance, car body scratch loss insurance, special clauses excluding franchise, and on-board cargo liability insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.