The premium for new home-used car accounts for about 25% of the total family car premium. It is a very important classification of the family car market. This report analyzes the situation of new cars for home use vehicles from different dimensions；in terms of underwriting，it analyzes from the perspectives of insurance，region，company，channel，etc.；in the aspect of claims，analyzes the case of claims for insurance and commercial insurance；Regional differences in the insurance rate and discount rate of commercial auto insurance.