What Types of Insurance Are Included in Comprehensive Auto Insurance?

[MacRonan]

Generally, comprehensive auto insurance includes the following types of coverage: compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, vehicle theft insurance, passenger liability insurance, spontaneous combustion insurance, and no-deductible special insurance. Compulsory Traffic Insurance: This is a mandatory insurance required by the state. If you fail to purchase compulsory traffic insurance as required, the traffic management department has the right to impound the vehicle and impose a fine of twice the amount of the insurance premium. Third-Party Liability Insurance: Commercial third-party liability insurance covers personal injury or direct property damage to individuals outside the insured vehicle caused by an accident for which the driver is responsible. The insurer will compensate according to the terms of the insurance policy. Vehicle Damage Insurance: This covers losses to the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of the insurance policy. The insurer will compensate according to the terms of the insurance policy. Vehicle Theft Insurance: This covers losses due to the theft of the entire insured vehicle. Passenger Liability Insurance: If an accident causes injuries to passengers in the insured vehicle, the insurance company will be responsible for compensation. Spontaneous Combustion Insurance: This covers losses to the insured vehicle caused by spontaneous combustion due to faults in the electrical system, fuel system, or the ignition of transported goods. No-Deductible Special Insurance: By purchasing this coverage, you can receive full compensation for the corresponding insurance types. For example, if an accident covered by vehicle damage insurance or third-party liability insurance occurs, the insurance company will compensate for the deductible amount that the insured would otherwise have to bear. Glass Breakage Insurance: If the vehicle's glass breaks or shatters while parked or in use, and no other part of the vehicle is damaged, the insurance company will cover the loss for the glass.