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{{Short description|American comic book distributor}}
[https://procarinsuranceonline.com/surance Motor vehicle insurance], also known as auto insurance or auto insurance, is a type of property insurance that takes as the subject of the insurance the vehicle itself and the responsibility of a third party. It mainly protects losses caused by automobile accidents and natural disasters. Its insurance clients are mainly legal entities and individuals with various motor vehicles, its insurance targets are mainly various types of cars and motorcycles, but also include special vehicles such as trams and battery vehicles, as well as loaders, harvesters and other vehicles. autonomous. industrial and agricultural machinery{{Short description|American comic book distributor}}
{{about|the American corporation|the Indian comic book company|Diamond Comics}}
Classification
 
According to relevant insurance regulations and contracts, automobile insurance products sold in the territory of the People's Republic of China mainly include compulsory motor vehicle traffic accident liability insurance and commercial motor vehicle insurance, which can be subdivided into motor vehicle loss insurance and third party motor vehicle insurance. third party liability insurance There are three main insurances and a series of additional insurances for the liability [https://procarinsuranceonline.com/category/car-insurance/ insurance of persons on board of motor vehicles.]
 
Compulsory liability insurance for motor vehicle traffic accidents (referred to as compulsory traffic insurance): compulsory purchase of all motor vehicles to compensate for the loss of a third party in a traffic accident, not to compensate for the loss of the vehicle and the insured;
 
Commercial Motor Vehicle Insurance Primary Insurance
 
Motor vehicle loss insurance (referred to as vehicle damage insurance): Vehicle loss insurance refers to the fact that the motor vehicle suffers from natural disasters or accidents. For loss caused by vehicle theft and robbery, a separate insurance type was originally responsible for compensation, and will be incorporated into vehicle damage insurance from September 15, 2020;
 
Liability insurance (referred to as triple liability insurance or civil liability insurance): When a motor vehicle is in an accident causing personal or property loss to others, [https://procarinsuranceonline.com/stylerama-fords-reply-to-gms-motorama-nearly-deans-storage/ the insurance company] will compensate the expenses incurred;
 
Motor vehicle liability insurance (referred to as seat insurance): The insured or his authorized driver has an accident in the process of using the insured motor vehicle, resulting in personal injury or death to the occupants (who may be the driver or the passenger) in the vehicle The company is responsible for compensation according to the agreement.
 
Additional Insurance for Commercial Motor Vehicle Insurance – Additional insurance may only be purchased if designated primary insurance has been purchased
 
Absolute deductible additional special terms
 
Individual additional wheel loss insurance (motor vehicles insured with motor vehicle loss insurance may insure this additional insurance)
 
Newly added additional equipment loss insurance (motor vehicles insured with motor vehicle loss insurance may insure this additional insurance)
 
Additional body scratch damage insurance (motor vehicles insured with motor vehicle damage insurance may be insured with this additional insurance)
 
Additional repair period cost compensation insurance (motor vehicles insured with motor vehicle loss insurance may be insured with this additional insurance)
 
Special clauses except additional engine water damage (motor vehicles insured with motor vehicle loss insurance may be insured with this additional insurance)
 
Additional cargo liability insurance on board (for commercial trucks insured with liability insurance, this additional insurance can be insured)
 
Mental Injury Consolation Fund Additional Liability Insurance (Motor vehicles insured with liability insurance or motor vehicle liability insurance for persons on board may be insured with this additional insurance)
 
Additional double insurance for statutory vacations
 
Additional medical expense liability insurance outside of medical insurance (motor vehicles with third party liability insurance or motor vehicle [https://procarinsuranceonline.com/low-cost-automotive-insurance-coverage-for-married-couples-and-newlyweds/ liability insurance for persons] on board may be insured with this additional insurance)
 
Additional Value Added Service Special Terms for Motor Vehicles
 
roadside assistance service
 
Vehicle Safety Inspection Service
 
Driving service (referred to as driving)
 
On behalf of the inspection service
 
vehicle damage insurance
 
The responsibility of the vehicle damage insurance is:
 
collision liability
 
The insurer is responsible for the loss of the vehicle caused by the accidental collision of the vehicle with an external object; the vehicle is loaded with goods in accordance with the regulations, and the accidental collision of the goods with an external object causes the loss of the vehicle.
 
non-collision liability
 
The insurer is responsible for natural disasters (earthquakes, storms, torrential rains, floods, tsunamis, subsidence, ice collapse, cliff falls, avalanches, hail, landslides, landslides.{{about|the American corporation|the Indian comic book company|Diamond Comics}}
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