The compensation scope of compulsory traffic insurance includes expenses such as missed work, bed accompaniment, etc.
The "Compulsory Traffic Insurance Clauses" stipulates that under the limit of death and disability compensation, the party shall be responsible for compensation for funeral expenses, death compensation expenses, transportation expenses incurred by relatives of the victim for funeral matters, disability compensation, and disability assistive device expenses. , nursing expenses, rehabilitation expenses, transportation expenses, dependents’ living expenses, accommodation expenses, lost work expenses, and the mental damage consolation payment borne by the insured in accordance with the court judgment or mediation.
Compulsory traffic insurance, the full name of "compulsory motor vehicle traffic accident liability insurance", refers to the insurance company's coverage of the personal injuries and deaths of victims other than the vehicle occupants and the insured due to road traffic accidents involving the insured motor vehicle. , property losses, compulsory liability insurance that compensates within the liability limit.
Loss of income from lost work falls within the scope of liability of compulsory traffic insurance. If you can provide a hospital diagnosis certificate, medical expense reimbursement certificate, and proof of lost work due to being hit, the insurance company should pay the compensation. According to the "Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases": Lost work pay refers to the reduction in the victim's actual income. Therefore, the lost work pay of rehired personnel should be compensated.
Because business operating benefits are not simply created by the labor of business operators, they also include the combined effects of multiple factors such as funds, equipment, organizational management, and intellectual property rights. However, the expenses incurred by a business operator in hiring someone with the same ability to manage the business or property during the period when the business operator is unable to work shall be compensated as lost work expenses.
Article 8 of the compulsory traffic accident liability insurance clauses stipulates that within the territory of the People’s Republic of China (excluding Hong Kong, Macao and Taiwan), the insured shall be liable for any accident while using the insured motor vehicle. In a traffic accident, the victim suffers personal injury or property loss, and the insured shall bear the liability for damage according to law. The insurer shall be responsible for compensation within the following compensation limits for each accident in accordance with the compulsory traffic insurance contract:
(1) The limit of compensation for death and disability is 110,000 yuan;
(2) The limit of compensation for medical expenses is 10,000 yuan;
(3) The limit of compensation for property damage is 2,000 yuan;< /p>
(4) When the insured is not responsible, the limit of non-responsible death and disability compensation is 11,000 yuan; the non-responsible compensation limit for medical expenses is 1,000 yuan; the non-responsible property loss compensation limit is 100 yuan.
Under the death and disability compensation limit and the non-responsible death and disability compensation limit, we are responsible for compensation for funeral expenses, death compensation expenses, transportation expenses incurred by relatives of the victim for funeral matters, disability compensation, and disability assistive device expenses. , nursing expenses, rehabilitation expenses, transportation expenses, dependents’ living expenses, accommodation expenses, lost work expenses, and the mental damage consolation payment borne by the insured in accordance with the court judgment or mediation.