1. Automobile commercial insurance refers to commercial auto insurance other than compulsory insurance, including car damage insurance, third party liability insurance, vehicle personnel liability insurance, external medical insurance, personal tire insurance and scratch insurance.

2. Insurance notification is an oral or written truthful statement made by the applicant or the insured to the insurer when concluding an insurance contract. Therefore, the obligation to inform is a pre-contract obligation of the insured.

The risk notice only tells you that the risk is not guaranteed.