How to inquire about the policy of China Auto Insurance? Can you tell me the detailed steps?

The policy of China Auto Insurance can be found in official website or app. If you want to drive in China, you need some form of car insurance. Like many other countries, China requires all drivers to buy minimum insurance before driving, and many types of insurance are provided.

Compulsory traffic insurance covers the third party's liability (that is, it covers the accidental injury or death of others, excluding the drivers and passengers in the car with insurance policies). Financial compensation to third parties is also included, but this is limited. Drivers with insurance policies will not insure their cars against damage or injury.

Many drivers will also buy a separate third party liability insurance. These policies are similar to compulsory insurance? Similarly, drivers and passengers with insurance policies are not insured. The main difference is that these policies allow drivers to choose the highest compensation rate they want (some are much higher than the limit of traffic compulsory insurance).

Drivers can also add some extra types of covers. Some of them have become quite obscure, but the most popular one is: car damage insurance, which covers the damage of the insured's car. Passenger insurance is sold by seat to cover the casualties of the insured passengers. Driver insurance covers the injuries of drivers and policyholders. Theft and rescue includes not only the theft of vehicles, but also the theft of all items in the vehicles.

Free limit insurance. Under the compulsory insurance, if the insured is responsible for the accident, he must pay 20% of the compensation himself (that is, the insurance company only bears 80% of the compensation). No matter who is responsible for the accident, the insurance company will adopt the policy of unlimited coverage and pay 100% compensation.

There are two types of compulsory car insurance in China. The first is compulsory vehicle insurance or third-party liability insurance, which is used to cover third-party injuries and/or deaths in car accidents. Its financial coverage is limited, so you should check the exact amount with the insurance agency. The second category is commercial insurance, which covers all related claims not covered by compulsory auto insurance.