Freight Car Insurance Knowledge

Truck insurance is the most important part of commercial automobile insurance. The biggest advantage of trucks over other transportation vehicles is their flexibility and their ability to achieve "door-to-door" transportation. With the development of economy, the status of China’s automobile transportation in the comprehensive transportation system has been continuously strengthened. In 2001, the volume of road freight and cargo turnover accounted for 77.2% and 13.6% of the comprehensive transportation system, respectively.

Trucks are used to carry a variety of goods and are of many types. The factors that affect the basic rate of truck insurance differ from other commercial vehicles in terms of vehicle type, use, parking and use area, and drivers.

1 vehicle type.

The total mass of the car (from the quality and load quality) has become an important factor in determining the rate.

The size and quality of a car on the one hand affect the cost of car repairs after an accident. On the other hand, the total mass of a car is closely related to the frequency and severity of accidents it causes. Obviously, accidents involving heavy-duty vehicles are generally much more serious than light-duty vehicles. Therefore, heavy-duty vehicles are potentially more dangerous than light-duty vehicles. With the rapid development of highways, trucks are becoming more heavy-duty, higher-speed, and more specialized. As a result, the risk borne by insurers will increase accordingly. Therefore, large-scale vehicles generally have to pay higher insurance premiums.

2 uses.
Cargo cars generally include any motor vehicles that are shipped on roads and trailers that carry cargo.

The following 3 rates apply for truck use:

The first type: The lowest rate is the delivery of the owner’s own goods, with or without geographical restrictions.

The second type: Medium rate is the delivery of the goods of the insured and the rental of goods for the delivery of others; within a certain area, and is the common route of business

The third category is the rate of use as a tractor. It is generally a long-distance transport of large-scale motor vehicles. Because it is widely used and has great danger and potential liability, such motor vehicles have the highest premium rates.

The second and third categories are for purely commercial use. If their use is limited to social, home and entertainment, the rates are determined differently.

3 vehicle value.

The value of vehicles has always been a major factor in China's auto insurance. However, if one only considers the value of the vehicle, there is a clear disadvantage: the value is relatively high, the safety performance is often better, and the premium paid by it is more: while those vehicles whose value is low, they have poor safety performance. Pay less premium. The severity of the accident in the former is heavier, but the frequency of accidents is very low, while the latter is exactly the opposite.

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