According to the announcement, in People's Republic of China (PRC) (excluding Hong Kong, Macao and Taiwan), if the insured has a traffic accident while using the insured motor vehicle, resulting in personal injury or property loss of the victim, the insured shall bear the liability for damages according to law: the death and disability compensation limit is 6.5438+0.8 million yuan, and the medical expenses compensation limit is 6.5438+0.8 million yuan. When the insured has no responsibility, the compensation limit for death and disability is 18000 yuan, the compensation limit for medical expenses is 1800 yuan, and the compensation limit for property losses is 100 yuan.
The new floating coefficient of compulsory insurance premium rate is * * *, and there are five schemes A, B, C, D and E. The liability limit and floating coefficient of each scheme will be implemented from 0: 00 on September 19, 2020. The announcement also stated that if a motor vehicle under the compulsory insurance policy has not ended at 0: 00 on September 19, 2020, and a road traffic accident occurs after 0: 00 on September 19, 2020, it will be implemented according to the new liability limit; If a road traffic accident occurs before 0: 00 on September 19, 2020, it shall still be implemented according to the original liability limit.
According to the relevant provisions of the Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents, on the basis of extensive consultation, the CBRC, together with the Ministry of Public Security, the Health and Wellness Commission and the Ministry of Agriculture and Rural Affairs, determined the adjustment scheme of the liability limit of compulsory liability insurance for motor vehicle traffic accidents (hereinafter referred to as compulsory insurance), and jointly with the Ministry of Public Security, determined the adjustment scheme of the floating coefficient of compulsory insurance rate. The relevant adjustment contents are hereby announced as follows:
First, the new compulsory insurance liability limit plan.
In People's Republic of China (PRC) (excluding Hong Kong, Macao and Taiwan), if the insured has a traffic accident while using the insured motor vehicle, resulting in personal injury or property loss of the victim, the insured shall bear the liability for damages according to law: the death and disability compensation limit is 6.5438+0.8 million yuan, the medical expenses compensation limit is 6.5438+0.8 million yuan, and the property loss compensation limit is 0. When the insured has no responsibility, the compensation limit for death and disability is 18000 yuan, the compensation limit for medical expenses is 1800 yuan, and the compensation limit for property losses is 100 yuan.
Two, the new compulsory insurance rate floating coefficient scheme
(1) Article 3 of the Interim Measures for Floating the Compulsory Insurance Rate of Motor Vehicle Traffic Accident Liability (hereinafter referred to as the Interim Measures) is amended as:
1. Inner Mongolia, Hainan, Qinghai and Tibet implement the following rate adjustment scheme 1:
2. Shaanxi, Yunnan and Guangxi will implement the following rate adjustment scheme B:
3 Gansu, Jilin, Shanxi, Heilongjiang and Xinjiang five regions to implement the following rate adjustment scheme C:
4. Beijing, Tianjin, Hebei and Ningxia will implement the following rate adjustment scheme D:
5. Jiangsu, Zhejiang, Anhui, Shanghai, Hunan, Hubei, Jiangxi, Liaoning, Henan, Fujian, Chongqing, Shandong, Guangdong, Shenzhen, Xiamen, Sichuan, Guizhou, Dalian, Qingdao and Ningbo will implement the following tariff adjustment schemes:
(2) Amend Article 4 of the Interim Measures to read: "The calculation method of the final insurance premium for compulsory traffic insurance is: the final insurance premium for compulsory traffic insurance = the basic insurance premium for compulsory traffic insurance ×( 1+ the floating rate associated with road traffic accidents, and x is the corresponding value of one of the ABCDE schemes)."
(3) Amend Article 7 of the Interim Measures to read: "The associated floating rate of road traffic accidents is one of X 1 to X6, and it is not accumulated. If multiple floating coefficients are met at the same time, it shall be calculated according to the higher floating ratio. "
Third, the implementation time of the new plan.
The above-mentioned liability limit and rate floating coefficient will be implemented from 0: 00 on September 19, 2020. If a road traffic accident occurs to a motor vehicle under the compulsory insurance policy that has not yet ended at 0: 00 on September 19, 2020, it shall be implemented according to the new liability limit; If a road traffic accident occurs before 0: 00 on September 19, 2020, it shall still be implemented according to the original liability limit.