After the card friend bought the car, the next thing to consider was what kind of insurance to buy. Faced with various complicated and lengthy insurance clauses, as long as people with normal thinking are crazy, even if patiently watching the relevant content, they will not understand what the insurance company has to say in the contract. After being confused, it eventually led to the fact that in the event of an accident, the insurance company would single out a small piece of content explaining the reasons for the non-payment. However, for trucks, how can we choose the right insurance for them without spending too much money? Many experienced drivers are also opinionated. Here we will use the easy-to-understand way to identify the type of insurance involved in the truck, its meaning, and related The content is sorted out to provide some references and suggestions for everyone when choosing truck insurance. Insurance about trucks can be roughly divided into two parts. The first is the compulsory traffic insurance that the state requires to purchase a car, and the second is a variety of commercial insurance. Commercial insurance is subdivided into main insurance and additional insurance. The main insurance includes four types of insurance: vehicle damage, three, robbery, and on-board personnel. The types of additional insurance are even more, due to the protection of individual vehicle owners and logistics companies. The focus is different, so there is a great deal of disagreement about the purchase of additional insurance. Next we will elaborate on each one. Traffic Insurance (Commercial Compulsory Insurance) Recommendation Index: ★★★★★ Applicable people: all owners There should be no objection to the purchase of compulsory insurance, because this is a compulsory purchase by the state. If you do not buy a new car, you will not be able to obtain a license. Old cars cannot pass the annual review. Traffic insurance is a compulsory liability insurance that the insurance company will insure the victims of road traffic accidents (excluding the vehicle's personnel and the insured's) of personal injury or death, property loss, etc. in the insured motor vehicles. Traffic insurance can effectively ensure that the vehicle has the most basic insurance claims in the event of a traffic accident. Especially for some car owners, but the limited economic conditions of the owners, once a traffic accident, accident medical expenses, death and disability, property damage, strong insurance can replace the owner to complete financial payments difficult to pay. The total liability limit for compulsory traffic insurance is 122,000 yuan. Because it is a mandatory and remedial insurance policy, there is a large difference in the amount of liability for and responsibility for compensation. In general, due to property damage caused by vehicle damage, the maximum compensation is 2,000 yuan in the case of responsibility, and 100 yuan in the absence of responsibility. If any casualties are caused, the highest compensation for medical expenses is 10,000 yuan and the maximum compensation for death is 110,000 yuan. In the absence of any responsibility, the maximum compensation for medical expenses is 1,000 yuan, and the death compensation is 11,000 yuan. Car Damage Insurance (Business Master Insurance) Recommendation Index: ★★★★★ Applicable people: logistics fleet, individual car owners as required Car damage insurance is the most practical type of commercial insurance, this insurance is mainly to compensate accidental collisions and other accidental losses of the insured vehicles. Even in the event of a fire, explosion, object collapse, or falling objects in the air, the damage caused to the insured vehicle is compensated. Natural disasters include natural disasters (except earthquakes) such as heavy rain, floods, and other force majeure. Insurance companies are also responsible for compensation. Another point to note is that when a vehicle is in a ferry or consigned, when it is subjected to a natural disaster, the insurance company only pays compensation if the driver accompanied the driver. In other words, if there are no accompanying employees, accidents are not covered by the vehicle damage insurance coverage. According to the size of the accident liability, the insured amount is used as the basis for the payment. When the amount of compensation is 5%-15%, the amount of deductible is as follows: 15% of the total liability is deductible, and the main responsibility is 10% is exempted, 8% of equal liability is deductible, and 5% of negative secondary responsibility is exempted. Premiums should be treated according to the specific tonnage of the vehicle. If the old car is used to purchase the vehicle damage insurance, it also depends on the previous year's compensation records, average mileage, and whether or not there was a traffic violation record in the previous insurance year. The rate will also be determined. Adjust accordingly. Car damage insurance is aimed at the loss of the vehicle itself caused by the accident. For logistics companies with high-risk risk vehicles, it is recommended to purchase such insurance, in the event of an accident to ensure that vehicle maintenance costs can be compensated from the insurance company, in the vehicle due to When an accident is abandoned, it can also be paid through the insurance company. Individual car owners can rely on their own vehicles to choose whether to purchase car damage insurance. Third Party Liability Insurance (Main Business Insurance) Recommendation Index: ★★★★★ Applicable people: all owners Motor vehicle third party liability insurance, also known as liability accident insurance for motor vehicle traffic accidents, refers to the personal injury or death of property damage caused by the road accident caused by the insurance company to the insured motor vehicle and other than the insured. Mandatory liability insurance for compensation within the limit of liability. This is China's first compulsory insurance. Whether the driver has any responsibility or not, the insurance company must pay the third-party personal injury or property damage caused by a motor vehicle traffic accident. The compensation for third-party liability insurance is calculated according to the “Measures for the Handling of Road Traffic Accidents†as the basis for the calculation of insurance compensation. Deductible amount According to the size of the accident liability, the insurance company that bears full responsibility will be deductible by 20%, the main liability shall be deducted by 15%, the liability shall be deducted by 10%, and the minor liability shall be deducted by 5%. An insurance company may set a limit of compensation of 50,000 yuan, 100,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan, and 1 million yuan or more and not more than 10 million yuan. Whether it is an individual owner or a logistics company when purchasing this type of insurance, the sum insured must be determined based on the area, line and model of the vehicle. For example, vehicles are large-scale tractors, with long operating routes and complex road conditions (high-speed + national roads + provincial and county roads). The superposition of these factors greatly increases the operational risk of vehicles, and the amount of accidental losses will be much greater than that of short-haul vehicles. For example, vehicles are operated in North, Shanghai, and Guangzhou. If an accident occurs in these vehicles, regional economic and income levels are very different from those in the central and western regions. This will result in compensation standards that are much higher than those in the economically underdeveloped regions in the central and western regions. There are three vehicles that have enough vehicles to operate in first-tier cities. Therefore, when the owner chooses the amount of third party liability insurance coverage, he must choose according to the operating characteristics of the vehicle. He should select the amount of insurance coverage that is sufficient to cover his own operational risks and set his own operational risk in line with the principle of “rather high and not lowâ€. Complete coverage is the starting point. Onboard Personnel Liability Insurance (Main Business Insurance) Recommendation Index: ★★★★★ Applicable people: all owners The on-board personnel liability insurance compensation is for the personal injury of the vehicle caused by the traffic accident of the insured vehicle. In order to reduce the loss, the necessary reasonable rescue and protection expenses are paid by the insurance company. The scope of compensation, projects and standards are subject to the provisions of the "Road Traffic Accident Treatment Measures", but cannot exceed the number of seats insured and the amount of insurance agreed upon. Generally, the amount of insured seats varies from 1 to 50,000 yuan. Specific expenses include: salaries, medical expenses, and lost-time fees for personnel. The insurance company will determine the amount of deductible according to the size of the responsibility of the accident. The insurance company that bears full responsibility will be deductible by 20%, the main liability shall be deducted by 15%, and the equivalent liability shall be deducted by 10%. Deductible 5%. In addition, there is a point of caution for this type of insurance. Only when the traffic accident has occurred, the insurance company will provide compensation for the casualties. If it is because of illness, fighting, war, and competition like this, the insurance company will not pay compensation. Another point to note is that, like the vehicle damage insurance, the casualties caused by the earthquake will not be compensated. This type of insurance strongly suggests that owners purchase cars. Truck drivers are high-risk occupations, and as long as there are accidents, the extent of casualties is not small. Although no one wants to have any accidents, no one can guarantee the accident. Even if you guarantee that you can drive unruly, you cannot guarantee others. If the logistics company has purchased accident insurance or employer liability insurance for the driver or employee, and the insurance coverage of the aforementioned insurance is sufficiently high, the vehicle liability insurance does not recommend buying enough, so the coverage and premiums are generally lower and more it is good. Full vehicle robber insurance (commercial master insurance) Recommendation index: ★ Applicable people: unfinished car owners The entire vehicle was stolen (including the insured trailer) and was verified by the public security criminal investigation department at or above the county level. It was found that the whereabouts of the vehicle were not found within three months. The entire vehicle robber insurance, as the name implies, is that the insured vehicle has been stolen. If only one part of the vehicle or other property in the vehicle is stolen, the insurance company is not compensable. If the vehicle is damaged or lost during the process of theft, the insurance company will not generally be liable for compensation. For example, the car was stolen. In the process, the thief broke the door and it was not lost. And the insurance company has a 20% deductible amount. In addition, third-party life and property damage insurance companies that do not pay compensation for traffic accidents that occurred after the insured vehicle was stolen. In other words, if a vehicle is stolen and a traffic accident occurs, causing casualties and property losses, the insurance company will not be compensated. This kind of insurance is not very practical for trucks, except for those customers who do not have a clear car loan to settle. The average driver will not purchase such insurance. For individual owners, most of them choose to stay in the car while unloading or waiting for the goods to be dispersed. At most, only the goods are stolen, and the probability of the vehicle being stolen is not high. The logistics company's vehicles will also have a fixed parking lot. Spontaneous loss insurance (commercial additional insurance) Recommended index: ★★★ Applicable people: old and dangerous goods transport vehicle owners Spontaneous combustion loss insurance refers to the loss of the vehicle caused by combustion caused by its own cause, such as the circuit of the vehicle, the failure of the oil system, and the cause of the delivery of the goods. The insurance company is responsible for compensation. The amount of insurance shall be negotiated and determined by the owner and the insurance company within the actual value of the insurance vehicle (actual value refers to the price of the new vehicle purchase price multiplied by the depreciation rate). When the vehicle loses spontaneous combustion, it shall be compensated according to the actual repair cost. If the value of the spontaneous combustion loss has been lost, the actual value of the vehicle at the time of the risk shall be compensated, but it shall not exceed the insurance amount. For example: I have a new car purchase price of 259,800 yuan, the registration date for the driving permit is September 08, and the insurance date is 10 years in March. The amount of insurance loss due to spontaneous combustion is 259,800*20% (the depreciation rate for 1-3 years) = 207,440,000. 20.784 million is the actual amount of this vehicle. The amount of insurance can only be agreed within this range. If only the insurance company that caused the loss of the circuit, the line, the fuel supply system, and the gas supply system is not compensated. The simple point of that is the vehicle circuit. The insurance company only pays compensation if the oil circuit failure causes an open flame and the vehicle causes spontaneous combustion. This type of insurance is more selective, and for owners who regularly test their cars, they can avoid failures of the oil-free circuit more promptly and reduce the possibility of auto-ignition. For vehicles that are in high-load operating conditions all year round, they have not been able to repair and maintain them in time, and the possibility of spontaneous combustion is relatively large. In particular, dangerous goods logistics companies that transport flammable and explosive materials are advised to purchase such insurance products. Car cargo liability insurance (commercial additional insurance) Recommended index:★★ Applicable people: logistics companies An accident occurred during the use of the insured vehicle, resulting in direct damage to the cargo carried on the insured motor vehicle and the insurance company providing compensation. If the behavior is intentional, including theft, looting, natural consumption, various indirect losses, and other similar situations, the insurance company does not provide compensation. Various insurance companies have not yet introduced insurance against similar theft. If you look at this type of insurance from the perspective of the trucker, there will be a feeling of not feeling bad or not, because too much of the situation is that the insurance company does not compensate, and what happens frequently happens to be within the scope of fishing compensation. It is suggested that some special logistics companies can target such insurance. Excluding Free Insurance (Commercial Additional Insurance) Recommended index: ★★★★ Applicable people: all owners Excluding the full name of the exemption and insurance is excluding the special clause of exemption, it is a kind of additional insurance. After insured by this insurance, the insured person's own deductible for the insurance vehicle in the vehicle loss insurance and the third party liability insurance and other additional insurance shall be compensated regardless of one or more insured accidents. The practicality of non-deductible compensation is still relatively high, and conditional owners are recommended to purchase. They can only pay for the loss of the vehicle and the three or not, and especially the three, because the operation of the truck, in the event of three accidents The human injury and property losses are relatively large and the compensation base is relatively high. Relatively speaking, the insurance company’s deductible will be higher. The purchase of this type of insurance can effectively reduce the loss of its own compensation and allow its own compensation coverage to be fully covered. , to avoid the logistics company itself also bear the responsibility for compensation. â— Postscript: Buying insurance for your car, in the face of complex insurance terms and conditions, is really a headache for the owner, which ones to buy, and which ones are not necessary to buy are also difficult to distinguish. The above are some of the common types of insurance that we introduced for everyone. Here we have only made a brief introduction and provided a simple reference and suggestion for everyone's purchase. More specific insurance clauses still require the owner to review the relevant insurance clauses of each insurance company. He hopes that each trucker can analyze the specific conditions, choose the most suitable insurance type, and achieve the least expenditure, maximizing the guarantee of our people, vehicles and goods. 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