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How many types of car insurance are there for purchase?

1 Answers

StBella

07/30/25 3:20am

Car insurance consists of two main parts: compulsory traffic insurance and commercial insurance. Commercial insurance further includes basic insurance and additional insurance. Below is relevant information about car insurance: 1. Compulsory Traffic Insurance: This is a mandatory national insurance that every car owner must purchase. If you drive without compulsory traffic insurance, once caught, your vehicle will be impounded (until you obtain the insurance and place it in the designated location), and you will face fines and penalty points. Compulsory traffic insurance primarily covers personal injury and property damage to victims (excluding passengers in the insured vehicle and the policyholder) in traffic accidents, with a maximum compensation limit of generally 122,000 yuan. The coverage of compulsory traffic insurance is limited and cannot handle large-scale personal injury accidents, hence the need for supplementary commercial car insurance. 2. Commercial Car Insurance: Commercial car insurance includes basic insurance and additional insurance. Basic insurance includes: vehicle damage insurance, third-party liability insurance, and passenger liability insurance. Common additional insurances are: theft insurance, standalone glass breakage insurance, spontaneous combustion insurance, new equipment loss insurance, scratch insurance, water damage insurance, no-deductible insurance, and third-party special agreement insurance for motor vehicle loss when the third party cannot be found.

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The Difference Between Dual-Motor and Single-Motor in New Energy Vehicles

The difference between dual-motor and single-motor in new energy vehicles lies in their efficiency. Here are the specific details: 1. Dual-motor drive: There are mainly three methods. The first involves two motors with the same power being combined to achieve a multiple increase in torque and power. The second method uses two motors working in separate zones, with one responsible for front-wheel drive and the other for rear-wheel drive. The third method employs two single motors with different power outputs, where one controls the vehicle's operation at high speeds and the other manages low-speed operations, thereby improving work efficiency. 2. Single-motor drive: In the design of a single-motor system, the selected motor power is often larger to account for the vehicle's need to handle uphill climbs and complex road conditions. However, in practical applications, the motor often operates at low speeds, resulting in lower efficiency and significant energy waste. Dual-motor systems do not face this issue, as they use motors with different power outputs for low and high speeds, greatly improving energy utilization efficiency. Compared to single-motor systems, dual-motor systems are more energy-efficient and environmentally friendly, and they also significantly enhance the vehicle's range.

Why Should You Turn Off the Air Conditioner Before Shutting Down the Engine?

Generally, when the air conditioner is in use, the pipes contain moist air. Turning off the air conditioner before shutting down the engine allows the moisture inside the pipes to evaporate in advance. Below are the detailed explanations: 1. Specific Principle: Typically, when the air conditioner is in use, the pipes contain moist air, especially due to the temperature difference between cold and hot air at low temperatures, which causes the air to condense into water and adhere to the car's air conditioner pipes, vents, front windshield, etc. Turning off the air conditioner before shutting down the engine allows the moisture inside the pipes to evaporate in advance. 2. Usage Method: Before turning off the air conditioner, which is a few minutes before reaching the destination, turn off the cooling function and only keep the natural air on. This allows the moisture on the air conditioner condenser to evaporate quickly, ensuring there is no dampness on the condenser. Over time, this prevents mold and unpleasant odors from developing.

What are the main components of an automobile chassis?

An automobile chassis consists of four main systems: the power train system, the running gear system, the steering system, and the braking system. The chassis serves to support and mount the vehicle's engine and its various components/assemblies, forming the complete vehicle structure. It receives power from the engine to enable vehicle movement and ensure proper operation. The automobile chassis includes four primary systems: 1) The power train system transmits engine power to the driving wheels, composed of assemblies such as the clutch, transmission, universal joint drive, and drive axle. 2) The running gear system connects all vehicle components into an integrated unit that supports the vehicle's weight and enables movement, consisting of assemblies like the frame, axles, wheels, and suspension. 3) The steering system ensures the vehicle follows the driver's intended path, comprising the steering gear and steering linkage. 4) The braking system enables controlled deceleration, stopping, and secure parking in various conditions through multiple relatively independent subsystems, each containing energy supply, control, transmission, and brake components. In broader terms, the chassis refers to all vehicle components excluding the bodywork, interior trim, and electrical systems - essentially what remains when these elements are removed.

Will motorcycles be caught by speed cameras for speeding?

If you exceed the speed limit, you will be photographed. According to China's traffic regulations, the maximum speed for two-wheeled motorcycles and reverse tricycles on urban roads is 50 km/h; the highest speed on highways is 60 km/h; the maximum speed for light motorcycles is 30 km/h; when driving on highways, the highest speed for motorcycles must not exceed 90 km/h, and the minimum speed must not be lower than 50 km/h. It is important to emphasize that motorcycles, like other motor vehicles, will be photographed for speeding—do not take chances. Always obey traffic rules and avoid speeding. For registered motor vehicles driving on the road, regular safety technical inspections should be conducted according to the law and administrative regulations, based on factors such as vehicle use, passenger and cargo capacity, and service life. If a motor vehicle driver's license and compulsory third-party liability insurance policy are provided, the motor vehicle safety technical inspection institution must conduct the inspection, and no additional conditions may be imposed by any unit. The speeding violations are captured by manual speed detectors placed along national roads. Once a motorcycle or car is photographed, speeding penalties are unavoidable.

How Many Axles Does a Sedan Have?

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Why Does the Car Brake Squeak on Rainy Days?

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