If an insurance company needs to pay or advance the rescue expenses for rescuing the injured in a car accident, the insurance company shall pay or advance the rescue expenses to the medical institution in time after receiving the notice from the traffic management department of the public security organ. The vehicle involved in the accident has been insured. After receiving the written notice from the traffic administrative department of the public security organ and the list of rescue expenses issued by the medical institution, the insurance company shall verify it in accordance with the Guidelines for Clinical Diagnosis and Treatment of Trauma of Traffic Accident Personnel and the national basic medical insurance standard formulated by the competent health department of the State Council. For the rescue expenses that meet the requirements, the insurer shall pay in advance within the compensation limit of medical expenses. First, issue a medical certificate to the medical institution to introduce the patient's condition. Finally, the certificate is handed over to the insurance company through the relevant institutions, so that the insurance company can make an advance payment. Medical insurance is paid in cash in the local tax service hall. After the local tax authorities collect social insurance premiums, they need to check, summarize and transfer the collected social insurance premiums to the state treasury, and then transfer the collected information to the system of the human society department. Under normal circumstances, it takes about 15 working days for the payment to reach the private network of the human society department.
Article 8 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, causing personal injury or property loss to the victim, the insured shall be liable for damages according to law, and the insurer shall be responsible for compensation for each accident within the following compensation limits stipulated in the compulsory insurance contract:
(a) the death and disability compensation limit is 180000 yuan;
(2) The compensation limit for medical expenses is18,000 yuan;
(3) The compensation limit for property losses is 2,000 yuan;
(4) When the insured has no responsibility, the compensation limit for death and disability without responsibility is 18000 yuan, the compensation limit for medical expenses without responsibility is 1800 yuan, and the compensation limit for property loss without responsibility is 100 yuan.
Insurance company's compensation for accident vehicles
Under any of the following circumstances, the insurance company shall pay the rescue expenses in advance within the liability limit of compulsory motor vehicle traffic accident liability insurance, and have the right to recover from the victims:
1, the driver is not qualified to drive or drunk;
2. The insured motor vehicle was stolen during the accident;
3. The insured intentionally creates a road traffic accident. Under any of the above circumstances, the insurance company shall not be liable for compensation if a road traffic accident occurs and the property of the victim is lost.