Car full insurance (also known as full insurance), ordinary people understand that it seems that the insurance is fully bought, and the insurance company can compensate for any loss. Generally speaking, the recognized car insurance refers to: compulsory traffic insurance, car damage insurance, third-party liability insurance, excluding deductibles, car personnel insurance, etc., and if conditions can be added, theft insurance, glass insurance, body scratch insurance, spontaneous combustion insurance, etc.
It is understood that the current motor vehicle insurance is divided into compulsory insurance, basic insurance and additional insurance. Among them, compulsory traffic insurance is enforced by the state, with a maximum compensation of 60,000 yuan. The basic insurance includes four types: vehicle loss insurance, commercial third-party liability insurance, vehicle theft insurance, and vehicle personnel liability insurance, and the basic insurance can be purchased separately, and the additional insurance must be selected on the basis of the purchase of basic insurance. Additional insurance includes glass insurance, spontaneous combustion loss insurance, and insurance without deductible. The insurance that car owners should buy includes commercial third-party liability insurance, due to the current high medical costs, and the need to pay more than 300,000 yuan after hitting and killing people, and the compulsory traffic insurance can only pay up to 60,000 yuan, which is far from being able to bear the economic burden caused by the accident. Excluding deductible insurance, it is recommended that car owners should buy it, otherwise, in the event of a traffic accident, the insurance company will only pay up to 80% of the total loss. New cars do not need to buy spontaneous combustion loss insurance, because during the warranty period, once spontaneous combustion will be carried out by the manufacturer. 
Liability insurance for people on board: If a vehicle accident causes injuries to the people on board, the insurance company will be responsible for compensation. This insurance implements the corresponding accident liability deductible odds: 15% for those who are fully liable, 10% for those who are primarily liable, 8% for those who are equally liable, and 5% for those who are secondarily liable. The accident liability deductible for unilateral accidents is 15%.
Whole vehicle theft insurance: responsible for compensating for the personal damage of the personnel on the vehicle and the direct damage to the goods carried on the vehicle caused by an accident. According to the insurance terms of each company, it means that if the insured vehicle is stolen, robbed or robbed, and it is confirmed by the criminal investigation department of the public security at or above the county level that there is no whereabouts for a certain period of time (most of them are three months, and the terms of the PICC are 60 days), the insurer shall compensate within the insured amount. The details are as follows: (1) Compensation items: If your car is stolen and not recovered for more than three months, the insured amount will be compensated within the insured amount. If the car is stolen and recovered within three months, but the car is damaged or parts are lost during this period, the insurance company is responsible for the cost of repair. (2) Compensation amount: 80% of the total amount of compensation for each accident.
Separate glass insurance: During the parking or use of the vehicle, other parts are not damaged, only the glass is broken or broken alone, and the loss of the glass is compensated by the insurance company.
Excluding deductible special insurance: The insurance company shall be responsible for the compensation caused by the insured accident caused by the vehicle damage insurance or the third party liability insurance in the event of the vehicle.
Third-party liability insurance: Commercial third-party liability insurance refers to the direct loss of personal or property suffered by others due to the insurer's liability accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract. If the insured motor vehicle bears the main responsibility for the accident, the accident liability ratio is 70%;If the insured motor vehicle bears the same liability for the accident, the accident liability ratio is 50%;If the insured motor vehicle bears secondary accident liability, the accident liability ratio is 30%. Up to 1 million compensation.
Vehicle Loss Insurance: Vehicle loss insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract.
It is determined by the actual value of the insured motor vehicle at the time of insurance。The actual value of the insured motor vehicle at the time of insurance is determined based on the purchase price of the new vehicle at the time of insurance minus the amount of depreciation. The depreciation of the insured motor vehicle is calculated on a monthly basis, and the part less than one month is not depreciated. For example, the monthly depreciation rate of passenger cars with less than 9 seats is 06%, the monthly depreciation rate of passenger cars with more than 10 seats is 09%, and the maximum depreciation amount does not exceed 80% of the purchase price of the new insured motor vehicle at the time of insurance. Depreciation amount = purchase price of a new car at the time of insurance The number of months the insured motor vehicle has been used Monthly depreciation rate.