Liability automobile insurance refers to the type of insurance in automobile insurance that the insurance company compensates for the third-party property damage, personal injury and other liabilities that may be caused by the owner or driver when using the car. Liability automobile insurance is one of the basic insurance in automobile insurance, and it is also one of the insurance that the owner must buy. This article will introduce the relevant knowledge of liability automobile insurance from the aspects of concept, insurance liability, insurance clauses and precautions.
First, the concept of liability automobile insurance
Liability automobile insurance refers to the type of insurance in automobile insurance that the insurance company compensates for the third-party property damage, personal injury and other liabilities that may be caused by the owner or driver when using the car. Liability automobile insurance is one of the basic insurance in automobile insurance, and it is also one of the insurance that the owner must buy.
Insurance liability
The insurance liability of automobile insurance mainly includes the following points:
1. Third-party liability insurance: Compensation for third-party property losses, personal injuries and other liabilities that may be caused by the owner or driver when using the car.
2. Passenger liability insurance: Compensation for the owner or driver who may cause personal injury or death to passengers when using the car.
3. Driver’s liability insurance: Compensation for the owner or driver who may cause personal injury or death when using the car.
Insurance clauses
The insurance clauses of liability automobile insurance mainly include the following points:
1. Insurance liability: Clarify the scope and limitation of the insurance company’s compensation for third-party property damage, personal injury and death that may be caused by the owner or driver when using the car.
2. Deductible: It is clear that the insurance company does not bear the part of compensation, and the owner needs to bear it by himself.
3. Insurance term: Specify the validity period of the insurance contract and the payment method of the insurance fee.
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Precautions
When purchasing responsible car insurance, car owners need to pay attention to the following points:
1. Choose the appropriate insurance type and amount according to your actual situation and insurance needs.
2. Pay attention to insurance liability and insurance terms and other relevant information, so that you can get timely and professional help in insurance claims.
3. Pay attention to the relationship between insurance cost and insurance liability, and choose reasonable insurance cost and insurance liability.
4. Pay attention to the necessary documents and information required for insurance claims in order to successfully complete the claims.
Conclusion
Liability automobile insurance refers to the type of insurance in automobile insurance that the insurance company compensates for the third-party property damage, personal injury and other liabilities that may be caused by the owner or driver when using the car. Liability automobile insurance is one of the basic insurance in automobile insurance, and it is also one of the insurance that the owner must buy. In the purchase of liability auto insurance, the owner needs to choose the appropriate type of insurance and insurance amount according to their actual situation and insurance needs, and pay attention to insurance liability and insurance terms and other relevant information, in order to be able to get timely and professional help in insurance claims.
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