What does the claim coverage of comprehensive car insurance include? Is the insurance company all-inclusive?

Comprehensive car insurance, which is what we often call comprehensive insurance, includes compulsory insurance and basic insurance. Needless to say, compulsory insurance is a necessary condition for hitting the road. Basic insurance includes vehicle damage, third-party liability, excluding deductibles, vehicle occupants insurance, etc. Having comprehensive insurance does not mean that the insurance company covers everything, because there are additional additional insurances. The coverage of each major company is different. Some include additional insurance, while others need to be included separately, such as theft insurance, glass insurance, car body scratches, etc.

In addition, even if we buy all the insurance, it still does not cover it. For example, the car owner’s intentional accident, loss of items in the car, car lost in the parking lot, compensation beyond the exemption clause, etc. 1. All-risk insurance

Each insurance company has a different definition of all-risk insurance. Some only include compulsory insurance and basic insurance, and some include compulsory insurance, basic insurance, and additional insurance. The details depend on the insurance contract. of payment.

Among them, compulsory insurance is the protection for compulsory traffic. Without compulsory insurance, you cannot go on the road, and in some places you cannot even list your car;

Basic insurance includes many types, mainly four types, car damage, Three, theft, and vehicle occupants insurance. Vehicle damage refers to the loss of the vehicle, three-person insurance is a supplement to the compulsory insurance, theft insurance refers to theft and robbery, and the vehicle occupants are the people in the vehicle. Insurance companies will pay for these types of compensation.

Additional insurance is insurance that must be purchased before basic insurance is purchased. It mainly covers glass, spontaneous combustion, and does not include deductibles, etc. 2. Full insurance does not mean all-inclusive

Many people’s understanding of full insurance is that as long as they have insurance, they can do whatever they want. Anyway, if something happens, the insurance company will compensate. This statement is wrong. In addition to looking at the points included in the comprehensive insurance itself, there are several types that are deductible.

Under normal circumstances, insurance will have deductible clauses, and comprehensive insurance is no exception. For example, if we intentionally cause an accident, hurt someone while racing on the road; if we lose our car in a paid parking lot, it is the responsibility of the parking lot; if we drive into a family member, etc.

One concept to be clear here is that comprehensive insurance represents several types of insurance, and these types of insurance all have exemption clauses. For example, in third party liability, the third party does not include family members. 3. There are tens of millions of roads, safety first

When we drive on the road, we often see a traffic slogan, that is, "There are tens of millions of roads, safety first". You should know that insurance only provides a kind of protection to minimize your own losses, but it does not mean that you will bear all losses. Therefore, regardless of whether we have insurance or not, we must drive safely and obey traffic laws. Everyone has only one life, and obeying traffic laws means respecting the lives of others and yourself.