What are the four basic types of car insurance?

1 Answers
AdelineRose
07/25/25 9:52am
Vehicle insurance four basic types refer to vehicle damage insurance, third-party liability insurance, no-deductible insurance, and passenger insurance. The following is a detailed introduction: 1. Vehicle damage insurance: Vehicle damage insurance means that if the vehicle owner causes total or partial loss of the vehicle due to an accident during driving, the insurer shall compensate according to the insurance contract. 2. Third-party liability insurance: Third-party liability insurance refers to the economic liability that the insured or their permitted driver should bear according to the law when an accident occurs during the use of the insured vehicle, causing personal injury or death or direct property damage to a third party, and the insurance company is responsible for compensation. 3. No-deductible insurance: If an accident within the scope of insurance liability occurs, resulting in vehicle loss or third-party liability compensation, the insurer shall be responsible for compensation according to the amount stipulated in the "Terms" for compensation. 4. Passenger insurance: Refers to during the insurance period, the insured and their permitted legal driver, in the process of using the insured vehicle, if an accident occurs causing personal injury or death to the personnel on the insured vehicle, the economic compensation liability that should be borne by the insured according to the law.
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