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What is the purpose of car insurance?

1 Answers
SanAugust
07/30/25 12:12am
Car insurance is a type of property insurance, also known as motor vehicle insurance. It is a transportation tool insurance that covers the vehicle (motor vehicle) itself and its third-party liability. Below is some information about car insurance: 1. Components: Car insurance generally consists of two parts: basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. 2. Coverage: Vehicle damage insurance compensates for the loss of the insured vehicle; third-party liability insurance compensates for damages to targets outside the insured vehicle, such as people and public property hit by the vehicle, or the other party's car; passenger liability insurance compensates for injuries to people and property inside the insured vehicle; theft insurance compensates for the loss of the insured vehicle due to theft; no-deductible coverage ensures 100% compensation in case of an accident. If no-deductible coverage is not purchased, the policyholder is responsible for 30% of the deductible for each accident.
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What should I do if the engine warning light of the Great Wall Pao is on?

If the engine warning light is on, you can follow these steps: First, check whether the engine is running normally and whether there are problems such as shaking or black smoke. If so, try not to start it again. Special note: Do not start the engine if the red light is on. If the engine can be started, turn it off for 5-10 minutes, then without pressing the brake, press the start button once or turn the car key halfway to the "on" position without pressing the clutch. After the car is powered on, the self-check function will activate. Wait for 5-10 seconds and observe whether the warning light on the dashboard turns off. If the warning light does not turn off, visit a service station as soon as possible to identify the cause. The service station can use a portable diagnostic tool to read the fault code, obtain fault information, and perform targeted repairs. There are mainly 7 reasons why the engine warning light may be on: Sensor failure: The sensors mentioned here include coolant temperature, crankshaft position, air flow, intake temperature, oxygen sensors, etc. When these sensors are damaged, have poor contact, or experience signal interruption, the car's ECU cannot accurately obtain engine data, which may trigger the engine warning light. Fuel or oil quality issues: If fuel or engine oil is not added as required by the manufacturer, it may cause engine wear and trigger the warning light. Poor combustion of the air-fuel mixture: Poor combustion can lead to engine carbon buildup or knocking. When detected by the oxygen sensor and reported to the ECU, the warning light will illuminate as a warning. Spark plug failure, ignition coil failure, fuel pump failure, or clogged fuel lines can all cause poor combustion of the air-fuel mixture. Turbocharger issues: Problems with the intake boost pipeline or turbocharger can also cause the engine warning light to turn on. The most common issue is turbocharger damage, which may also be accompanied by oil leaks, excessive oil consumption, reduced power, metallic noises, or blue/black smoke from the exhaust. Intake problems: If the car's intake system malfunctions, it may lead to clogged engine pipelines, and in severe cases, trigger the engine warning light. A dirty air filter that is not cleaned regularly can cause intake issues. Exhaust problems: Exhaust system faults can also cause the engine warning light to illuminate. Common causes include rear oxygen sensor failure, catalytic converter issues, or exhaust camshaft and bearing failure. The most frequent issue is with the catalytic converter, which can be damaged by using leaded gasoline, lead- or silicon-containing lubricant additives, physical impact, or fuel system malfunctions. Anti-theft system failure: If the car's electronic anti-theft system malfunctions or the anti-theft controller does not match the engine's electronic controller, the anti-theft system may prevent the engine from operating normally and trigger the warning light.
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What Causes the Engine RPM to Increase but Speed Doesn't When Pressing the Accelerator in Winter?

The reasons why the engine RPM increases but the speed doesn't when pressing the accelerator in winter are: 1. The transmission hydraulic oil level is too low or too high; 2. The clutch or brake friction plates and brake bands are excessively worn or burnt; 3. The oil pump is severely worn or there is a main oil circuit leak; 4. The clutch or brake piston seal ring is damaged; 5. The shock absorber piston seal ring is damaged. The solutions for this issue in winter are: 1. Add or reduce transmission fluid; 2. Add lubricant to the automatic transmission or replace damaged components; 3. Conduct a thorough inspection of the transmission oil circuit and repair it promptly; 4. Replace the clutch or brake piston seal ring of the transmission; 5. Replace the shock absorber piston seal ring.
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Does Mixing 95 and 92 Octane Gasoline Have Any Impact?

92 octane gasoline and 95 octane gasoline should not be mixed, as they have different iso-octane contents. 92 octane gasoline is suitable for engines with low compression ratios, while 95 octane gasoline is suitable for engines with high compression ratios. If 92 octane gasoline is added to a car that requires 95 octane gasoline, it may cause abnormal combustion, leading to engine knocking. Knocking not only damages the combustion chamber but also directly affects the normal operation of the engine, potentially causing severe engine damage. On the other hand, if 95 octane gasoline is added to a car that requires 92 octane gasoline, it won't damage the engine, but since 95 octane gasoline is more expensive than 92 octane, it would be a waste. Differences between 92, 95, and 98 octane gasoline: Standard gasoline is composed of iso-octane and n-heptane. Iso-octane has good anti-knock properties, with its octane rating set at 100; n-heptane has poor anti-knock properties and is prone to knocking in gasoline engines, with its octane rating set at 0. If the gasoline is labeled as 92 octane, it means the gasoline has the same anti-knock properties as standard gasoline containing 92% iso-octane and 8% n-heptane. The same principle applies to 95 and 98 octane gasoline. How to handle adding the wrong gasoline: If the gasoline added has a higher octane rating than what the car requires—for example, adding 95 octane when the car requires 92 octane—simply use up the gasoline normally and then refill with 92 octane gasoline. If the gasoline added has a lower octane rating than what the car requires—for example, adding 92 octane when the car requires 95 octane—you can add a high anti-knock fuel additive. Alternatively, you can drain the fuel tank and refill it with 95 octane gasoline. To determine the correct gasoline for your car, refer to the vehicle's user manual or check the fuel octane rating labeled on the fuel tank cap.
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Does the Mercedes-Benz C260L have a heated steering wheel?

The Mercedes-Benz C260L is equipped with a heated steering wheel, and the button for this feature is located on the side of the steering column. Pressing the button activates the heated steering wheel function. Taking the 2021 Mercedes-Benz C260L as an example, it is a mid-size sedan with the following dimensions: length 4784mm, width 1810mm, height 1457mm, and a wheelbase of 2920mm. The 2021 Mercedes-Benz C260L features a multi-link independent suspension at the front and a multi-link independent suspension at the rear. It is powered by a 1.5T turbocharged engine, delivering a maximum horsepower of 156PS, a maximum torque of 250Nm, and a maximum power of 115kW. It is paired with a 9-speed automatic transmission.
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What Causes the Car Key Sensor to Fail in Cold Weather?

The reasons for the car key sensor failing in cold weather are: 1. The car battery is dead, causing the vehicle to fail to receive signals; 2. The remote key is out of battery or has insufficient power. The functions of a car key include: 1. Quickly locating the vehicle using the remote alarm feature; 2. Closing the windows after turning off the engine; 3. Automatically opening the trunk; 4. Selectively opening the driver's door. Types of car keys: 1. Mechanical keys; 2. Remote keys; 3. Touchscreen LCD keys; 4. Smart wristband keys. The working principle of a car key is: the key emits radio waves, which are received by the car antenna, and the electronic control unit (ECU) identifies the signal code, then the system's actuator performs the locking or unlocking action.
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What is the voice wake-up for the Buick GL8?

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