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What Does Car Insurance Generally Cover?

1 Answers

DelJocelyn

07/29/25 6:58pm

Car insurance generally covers compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, spontaneous combustion insurance, glass insurance, theft insurance, scratch insurance, driver and passenger insurance, and no-deductible insurance. Below is more information about car insurance: Introduction: Vehicle insurance, also known as motor vehicle insurance, referred to as car insurance, is a type of commercial insurance that provides compensation for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Car insurance is a form of property insurance. In the field of property insurance, car insurance is a relatively young category, as it emerged and developed alongside the appearance and popularization of automobiles. Unlike modern motor vehicle insurance, the early stages of car insurance primarily focused on third-party liability insurance for automobiles and gradually expanded to cover risks such as collision damage to the vehicle body. Basic Functions: The basic functions of insurance, including organizing economic compensation and fulfilling insurance payouts, are also the fundamental functions of motor vehicle insurance.

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Is a Driver's License Required for Refueling?

Normally, driving to a gas station does not require any documents, and checks are rarely conducted. However, if you are refueling with a portable container (dispensing loose fuel), you will need your ID card and a certificate from the local police station authorizing the purchase of loose fuel. Relevant information is as follows: Driver's License Regulations: Driving a tanker truck requires an A2 driver's license, with a minimum of three years of driving experience. It is impossible to obtain a hazardous materials transport qualification certificate within two years. This is because to apply for a hazardous materials transport qualification certificate, you must first hold a general cargo transport qualification certificate for at least two years before you can take the exam. Additional Regulations: In addition to the hazardous materials transport qualification certificate, you also need a driver's license, vehicle registration certificate, escort qualification certificate, and general cargo transport qualification certificate. Other requirements include a hazardous materials transport permit for the vehicle, a tank inspection certificate for hazardous materials vehicles, compulsory traffic insurance, and road hazardous goods carrier liability insurance.

Why is the engine shaking intermittently?

If you notice the engine shaking intermittently, it may indicate the following potential issues with the vehicle: 1. Ignition system problems: Check the working condition of spark plugs, high-voltage wires, and ignition coils. Poor performance of the ignition system or suboptimal spark plug firing can lead to such symptoms. 2. Severe engine carbon buildup: The most common cause of vehicle shaking is excessive dirt on the throttle body or carbon deposits in the fuel injectors. 3. Unstable fuel pressure: It is recommended to visit a 4S shop to check whether the fuel supply pressure and intake pressure sensor are functioning normally. Abnormal fuel pump pressure or incorrect readings/malfunction of the intake pressure sensor can cause body vibration.

How to Conduct Annual Inspection for Vehicles After Six Years?

Bring the relevant documents and go to the vehicle management office to process it. Relevant Information: 1. Required Materials: Original vehicle license, original ID card of the owner, compulsory traffic insurance policy, original payment receipt for vehicle and vessel tax. 2. Notes: First, check if your new car has any traffic violation records. You can check online or offline. If there are any violations, they must be dealt with promptly, and you can only proceed with the annual inspection 48 hours after the violations are resolved. 3. Specific Definition: Annual inspection, or annual check, is a more colloquial term. It refers to the annual or biennial safety inspection of a vehicle, which includes a comprehensive check of the horn, brakes, axle weight, chassis, ignition system, lighting system, exhaust system, license plate installation, and more.

Can Motorized Bicycles Carry Passengers?

National traffic regulations do not have clear provisions for fuel-powered motorized bicycles. If the vehicle can be registered as a motor vehicle locally, it is generally classified as a moped. If it cannot be registered, it is not allowed to be driven on the road, let alone carry passengers. Relevant information is as follows: Relevant regulations: In the "Traffic Law," there are clear provisions for electric-powered motorized bicycles, which are classified as non-motor vehicles; however, there are no clear provisions for fuel-powered motorized bicycles. According to the standards of the "Safety Technical Conditions for Motor Vehicle Operation (GB7258—2004)," fuel-powered motorized bicycles should be classified as mopeds. Definition: The "Safety Technical Conditions for Motor Vehicle Operation (GB7258—2012)" defines a "moped" as: "A two-wheeled or three-wheeled vehicle, regardless of the driving method, with a maximum speed not exceeding 50 kilometers per hour, and if an internal combustion engine is used, its displacement does not exceed 50 milliliters."

Why Does the Car Feel Bumpy After Changing Tires?

There are two main reasons why a car may feel bumpy after changing tires. Here are the details: 1. Only replacing tires on one side can result in different grip levels between the left and right tires, causing instability. When changing tires, it is generally recommended to ensure that the tires on both sides have similar wear levels and tread patterns. 2. Incorrect alignment of the red and yellow dots on the tire, disrupting the balance. When the valve stem is not aligned with the yellow dot, the entire tire's force distribution may become unbalanced, making the car feel uncomfortable to drive and increasing the risk of a blowout. This issue can accelerate tire wear. Therefore, when changing tires, the valve stem must be aligned with the yellow dot.

What Causes the Engine Speed Sensor to Malfunction?

Engine speed sensor malfunction may be caused by issues with the sensor's wiring leading to the engine control unit. If the wiring is intact, inspect other components. Below is additional information: Engine Speed Sensor: The engine speed sensor is an inductive sensor that captures engine speed and the precise angular position of the crankshaft (input system). A dedicated signal wheel for the engine speed sensor is installed on the flywheel. Design Principle: The signal wheel is designed as a toothed wheel divided into 60 segments. As the signal wheel passes the sensor, it generates an alternating voltage whose frequency varies with speed. The frequency indicates the engine's rotational speed. Sensor Function: To identify the crankshaft position, the signal wheel has a gap between two segments. The engine speed sensor detects engine speed. Together with the Hall sensor, it identifies the top dead center for cylinder 1 ignition, thereby determining fuel injection timing and ignition timing.

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