Transportation compulsory insurance once a year! The others are also annual ah!
You said above, you are a novice,
Then the car damage insurance must be bought, usually do not pay attention to their own, bumping the insurance company will compensate you.
Theft insurance, is that your car lost, 3 months after the failure to find, will compensate you. But if you usually pay attention to parking, there is no need to buy, because your car is not that particularly expensive, and you said you are tight.
Third party bluffing insurance, is that you hit someone else, including property and personal, the insurance company will compensate you. Just go buy a 50,000 dollar one.
The compulsory insurance is a mandatory third party liability insurance, although it is mandatory, but the protection effectiveness is not high, so you have to buy a third party liability insurance to supplement.
Deductible, is a must buy, because the compensation will pay you more.
Other theft insurance, glass insurance, car people insurance, body scratch insurance, there is no need to buy
The whole down, more than 2800 a year!
Question 2: What is included in the vehicle compulsory insurance? The first thing you need to do is to get a good deal of money from the government.
Liable: death and disability 11 million medical expenses 10,000 property damage 2,000
No liability: death and disability 11,000 1,000 medical expenses 1,000 property damage 100
Question 3: What is the content of the compulsory insurance included a... Here is some simple knowledge about compulsory insurance:
1. Definition of compulsory insurance: Compulsory insurance for motor vehicle traffic accidents (referred to as "compulsory insurance") is China's first mandatory insurance system implemented by national law. Compulsory insurance is a mandatory liability insurance by the insurance company for the insured motor vehicle road traffic accidents caused by the victims (excluding the vehicle personnel and the insured) of personal injury and death, property damage, within the limits of liability to be compensated for
2. Compulsory insurance premiums: family-owned 5-seat 1,050 yuan, the enterprise non-operating 5-seat 1,000 yuan, non-operating enterprises 7-seat 1,190 yuan
3. > 3. On the payout: the total sum insured is 60,000 yuan, of which 50,000 yuan for death and disability, 8,000 yuan for medical expenses, and 2,000 yuan for property damage
II. The following are some of the differences and links between compulsory and commercial insurance
1. Compulsory insurance only pays for the collision
Although the initial "strong three insurance" changed to "compulsory insurance", this mandatory insurance is still a no-brainer. "The first time I saw the car, I saw the car, I saw the car. The regulations clearly stipulate that: "compulsory insurance is a mandatory liability insurance by the insurance company for the insured motor vehicle road traffic accidents caused by the victims (excluding the vehicle personnel and the insured) of personal injury and death, property damage, within the limit of liability to be compensated." In short, the money is paid to the party hit.
2. Setting up the function is very different from commercial insurance
The relevant person in charge of the CIRC said: "Compulsory insurance is a brand new insurance system in China, which is fundamentally different from the commercial third-party liability insurance that consumers were familiar with in the past. Although consumers are always accustomed to compare the two, especially concerned about whether the price of compulsory insurance will be higher than the original commercial third party liability insurance, however, this comparison is to some extent not scientific. After all, the two of them are simply two very different kinds."
First of all, from the original intention of setting up, the two are fundamentally different. In comparison, compulsory insurance has more social management functions. The establishment of motor vehicle traffic accident liability insurance system is not only conducive to the victims of road traffic accidents to obtain timely and effective economic protection and medical treatment, but also help to reduce the economic burden of traffic accidents. The commercial third party liability insurance is a commercial insurance, the insurance company to operate the insurance is the purpose of profit, which is with the mandatory insurance "no profit, no loss" business philosophy is obviously far away.
In addition to this, compulsory insurance also has a mandatory nature that is not found in general liability insurance. As long as the owner or manager of a motor vehicle traveling on the roads in China should be insured against compulsory insurance, the uninsured motor vehicle shall not be driven on the road. This mandatory not only embodied in the mandatory insurance, also embodied in the mandatory underwriting, with the operation of motor vehicle traffic accident liability insurance qualification of the insurance company shall not refuse to underwrite, and can not arbitrarily terminate the contract. The commercial three liability insurance is a civil contract, motor vehicle owners or managers have the right to choose whether to buy, the insurance company also enjoys the right to refuse to underwrite.
The current commercial motor vehicle third party liability insurance, the insurance company is based on the insured in the traffic accident to determine its liability. After the implementation of compulsory insurance, regardless of whether the insured person is responsible for the traffic accident, the insurance company will be in accordance with the Regulations and the specific requirements of the terms of compulsory insurance in the liability limit to be compensated.
iii. Here is a case, I hope to be able to analyze the case, if the case to read, should understand, I do not understand the insurance, read the case or understand some:)
Case:
My car is only commercial insurance (insured car damage \ three \ exclusionary), the other party's car insured by the traffic insurance, the traffic police have been listed on the certificate of my full responsibility, now I have 800 yuan of damage to my car, the police will be able to take the case. My car has 800 yuan of damage, the other car has 360 yuan of damage, and now I would like to know, my company to pay my insurance, because the compulsory insurance has no responsibility to pay such a thing, so it seems to make things very complicated, my company gave me the statement and the other vehicle insurance company's description is not consistent. I think the terms and conditions of compulsory insurance are standardized across the country, so why would the two companies say different things. And I also asked other insurance companies, the statement is not consistent, some say it is all compensation, some say to remove 400 yuan, I feel so dizzy. And ask the traffic police to prove whether it is necessary to write a sentence of the other vehicle has a strong insurance, so should be borne by the other vehicle 400 yuan no responsibility to pay.
I appreciate it, thank you
The following answers to this case are reasonable, you can analyze their own analysis:
Answer one:
The issue of compensation for compulsory insurance is more complicated, no ...... >>
Question 4: What is included in the strong auto insurance traffic insurance: both the third liability insurance, such as your car and other (car. People, animals.) After the collision, these people and things are the third party, when the third party is often hurt, you should pay the third party's losses, this is the third liability insurance. The purpose of the state's compulsory insurance is to worry about the accident you do not have the ability to compensate for the damage caused by the loss can not be dealt with satisfactorily.
Insurance experts detailed compulsory insurance claims should pay attention to four major matters
Since July 1, the official implementation of the compulsory insurance regulations, how to claim has caused consumer concern. The implementation of compulsory insurance and new commercial insurance launched by various insurance companies has caused changes in claims procedures? The same claims, whether the insurance claims results in what difference? What are the precautions after the insurance? With these questions, the reporter interviewed the insurance sector.
As of last week, the Beijing branch of an insurance company has received about 20 reports of vehicles insured by compulsory insurance. Among them may be involved in the compulsory insurance payout of about 10, known to be involved in the no-fault payout of 2, has not been involved in a number of compulsory insurance . No complex cases involving multiple compulsory insurance claims have been reported. All cases are now being handled smoothly according to normal procedures.
Case playback: July 1, in an insurance company to insure the "compulsory insurance" of the vehicle in Qinhuangdao, Hebei Province, during the parking period by other vehicles collision, the other vehicle is responsible for the accident. As the insurance company has the advantage of more outlets, the accident was quickly resolved in the local area.
Expert analysis: According to the principle of compulsory insurance compensation, the vehicle insured "compulsory insurance" is not responsible, but still can get from the insurance company to compensate for the other car damage of up to 400 yuan. Their own car damage from the other party to get full compensation.
Case playback two: July 5, a "compulsory insurance" of the minibus and a motorcycle collision. After investigation, the motorcycle is fully responsible for the accident, and the minibus insured commercial third party insurance. The loss of the minibus and motorcycle were: 800 yuan and 500 yuan.
Expert analysis: the loss of this case is not big, but it is a case involving two insured vehicles, but also involves a complex case of compulsory and commercial insurance, but because the two sides of the vehicle are insured by an insurance company, so that the two sides do not need to go to their respective insurance companies to claim compensation, but can be *** with the same to get any insurance company to handle the claim formalities, and to get the two sides of the insurance payout. The final result of the compensation is that the minibus in accordance with the principle of compulsory insurance for property damage without liability, from the insurance company to get to the motorcycle loss of 400 yuan; motorcycle in accordance with the commercial insurance claims, from the insurance company to get to the minibus compensation of 800 yuan.
Expert reminder
Four notes on compulsory insurance claims
Through the above case, the insurance experts drew the attention of the majority of car owners:
1, foreign insurance, timely reporting. Even if the insurance in the field, call the phone to report the case can also enjoy the local insurance company's fast claims service.
2. One call, two services. When an accident occurs that involves injuries or death, you can call to send an application for emergency medical assistance. This ensures that the victim is treated at the first time and reduces the damage and loss caused by the accident.
3, the strong insurance, responsible for no responsibility are paid. After the accident, you should ask and check whether the other party is insured by compulsory insurance, because if the other party has compulsory insurance, no matter how the responsibility of the accident is divided, your losses can be compensated by the other party's compulsory insurance.
4, the same company, to enjoy the fast claims. If both sides of the accident are insured by one insurance company, the claim procedure will be greatly simplified. And it is not difficult to understand that if you choose a company with a large market share will increase the chances of this. The insurer is not liable to pay for the following losses of the insured vehicle:
(a) natural wear and tear, decay, breakdown, tire burst;
(b) earthquake, direct artificial oil supply, spontaneous combustion, high temperature baking damage;
(c) by the impact of the goods carried by the car;
(d) two-wheeled and moped motorcycle tipped over during parking; < /p>
(e) the loss of the car, the car, the motorcycle and the motorcycle.
(5) Losses caused by continued use of the vehicle without necessary repairs, resulting in the expansion of the loss.
(6) spontaneous combustion and fire of unknown origin; spontaneous combustion, i.e., the insured vehicle due to the vehicle's electrical appliances, wiring, fuel supply system, the goods themselves, etc. caused by the problem of fire;
(7) the glass is broken individually;
(8) the insured vehicle in the flooded exhaust pipe of the water to start or flooded after improper operation resulting in engine damage.
(8) the insured vehicle in the flooded exhaust pipe in the water start or flooded after improper operation resulting in engine damage.... >>
Question 5: What is included in the compulsory insurance of the car Compulsory insurance only pays for the people and property you hit. Your own losses if the other party's responsibility he pays you. If your responsibility to take care of themselves.
The management of their own losses is car damage insurance is commercial insurance, depending on their own wishes to buy.
Question 6: The state mandatory automobile insurance are those Hello, the car
is compulsory insurance, motor vehicle road traffic accidents caused by the third party
, property damage, within the scope of responsibility, the insurance company to compensate. Insurance death and disability (responsible for 110,000, no 11,000) medical expenses (responsible for 10,000, no 1,000) property damage (responsible for 2,000, no 100 yuan)
Question 7: What is the mandatory insurance of the vehicle? By other people's cars to find each other compensation
Compensation for third-party injuries and small property insurance losses, as follows:
Traffic accidents in the liability compensation limit: death and disability compensation limit: 110,000 yuan; medical expenses compensation limit: 10,000 yuan; property damage compensation limit: 2,000 yuan.
Motor vehicles in road traffic accidents with or without liability compensation limit: death and disability compensation limit: 11,000 yuan; medical expenses compensation limit: 1,000 yuan; property damage compensation limit: 100 yuan
Death and disability compensation limit: refers to the insured motor vehicle traffic accidents, the insurer of each insurance accident, all the victims of the death and injury costs borne by the maximum amount of compensation. The maximum amount of compensation. Death and disability costs include funeral expenses, death compensation, the victim's relatives for funeral expenses, disability compensation, disability aids, nursing care, rehabilitation costs, transportation costs, dependent living expenses, accommodation costs, lost wages, the insured in accordance with the court's decision or mediation of the moral damage compensation.
Medical Expense Compensation Limit: It refers to the insured motor vehicle traffic accidents, the insurer for each insurance accident, all the victims of the medical costs of the maximum amount of compensation borne by the insurer. Medical expenses include medicine, diagnosis and treatment, hospitalization fee, hospital meal allowance, necessary and reasonable follow-up treatment, cosmetic surgery, and nutrition.
Property damage compensation limit: refers to the insured motor vehicle traffic accidents, the insurer for each insurance accident, all the victims of property damage to bear the maximum amount of compensation.
Personal injury and death ------ According to the "Interpretation of Several Issues Concerning the Application of Law to the Trial of Personal Injury Compensation Cases", there are 15 items of compensation that can be obtained according to law for the occurrence of personal injury and death***, including medical expenses, lost wages, nursing care, transportation costs, accommodation costs, hospital meal allowance, nutritional expenses, disability indemnification, disability assistive devices, living expenses for the dependents, and rehabilitation costs, Follow-up treatment costs, funeral expenses, death compensation costs, and compensation for moral damage. The insurance company will compensate the victim according to the degree of personal damage and the actual costs incurred within the liability limit.
Property damage refers to the insured motor vehicle road traffic accidents, directly caused by the accident scene of the victim's existing property damage. Property loss does not include the loss of the insured motor vehicle and the property inside the vehicle, nor does it include depreciation due to changes in market prices, loss due to the decrease in value after repair, and other indirect property losses.
Question 8: What kinds of automobile insurance? Compulsory insurance, three, and what insurance? 1, compulsory insurance: "motor vehicle traffic accident liability compulsory insurance" This is a state requirement must be bought, the insurance is hit by you and the car do not buy this insurance car can not be on the road, to be fined Ordinary car is currently 1050 yuan premiums a year.
2, the basic insurance: "vehicle damage insurance": for example, accident, their car is damaged to repair, the insurance company will help you out.
"Third Party Liability Insurance": also insured by the person you hit, the person died of disability hospitalization or car breaks down
The insurance company in the state compulsory insurance to help you pay for some of the compensation is not enough Compulsory Insurance for Motor Vehicle Traffic Accident Liability "supplement.
3, additional insurance: "car personnel liability insurance": such as an accident, the insurance of their own car.
"Deductible insurance": buy this insurance, the insurance company in the amount of 100% compensation, otherwise only 80% or 90%.
The additional insurance also includes separate glass breakage insurance, vehicle stopping loss insurance, spontaneous combustion loss insurance, additional equipment loss insurance, engine water insurance, no-fault liability insurance, mobility scooter expense insurance, body scratch damage insurance, deductible special clause, car cargo liability insurance and other types of insurance.
Question 9: What is the role of compulsory traffic insurance Compensation for the three parties, including personal injury (medical, death, disability), financial (seedlings, trees, vehicles, etc.).
Where the car accident caused by other losses and injuries (other than the car, the insured and relatives, the driver and relatives) can be paid within the limits of compulsory insurance.
But it should be noted that, if there are three involved in traffic accidents must notify the traffic police, and the traffic police accident liability certificate or processing report, must indicate the three loss items.
Finally, I wish you a new year, people smooth, smooth road, everything smooth!
Question 10: Vehicle compulsory insurance includes those contents? The first thing you need to do is to get your hands on a new car and get it to work.
The content of compulsory insurance, see the "Motor Vehicle Traffic Accident Liability Compulsory Insurance Clauses"
Its basic content is as follows:
Compensation for compulsory insurance
China's "Motor Vehicle Traffic Accident Liability Compulsory Insurance Ordinance" for the compensation of compulsory insurance is clearly stipulated. The insured motor vehicle traffic accidents caused by the vehicle personnel, victims other than the insured casualties, property damage, the insurance company in the limit to compensate. Compulsory automobile traffic accident liability insurance implements uniform liability limits nationwide. The liability limit is divided into death and disability compensation limit, medical expenses compensation limit, property damage compensation limit, and the insured is not responsible for the road traffic accident compensation limit.
The liability limit of compulsory insurance refers to the maximum amount of compensation that the insurance company will pay for the personal injury or death and property damage of all victims of the insured motor vehicle during the insurance period (usually 1 year).
Compulsory Insurance Liability Limits for Motor Vehicle Traffic Accident Liability (after February 1, 2008)
Compensation Limits for Motor Vehicles Responsible for Road Traffic Accidents
■Limit of Compensation for Death and Disability: 110,000 RMB
■Limit of Compensation for Medical Expenses: 10,000 RMB
■Limit of Compensation for Property Damage: 2,000 RMB
■Limit of Compensation for Property Damage: 2,000 RMB
Compensation limit for motor vehicles not responsible for road traffic accidents
■Limit of compensation for death and disability: RMB 11,000
■Limit of compensation for medical expenses: RMB 1,000
■Limit of compensation for property damages: RMB 100
Limit of compensation for death and disability: means that the insured motor vehicle has been involved in a traffic accident. The insured motor vehicle traffic accident, the insurer for each insurance accident all the victims of the death and disability costs of the maximum amount of compensation. Death and disability costs include funeral expenses, death compensation, the victim's relatives for funeral expenses, disability compensation, disability aids, nursing care, rehabilitation costs, transportation costs, dependent living expenses, accommodation costs, lost wages, the insured in accordance with the court's decision or mediation of the moral damage compensation.
Medical Expense Compensation Limit: It refers to the insured motor vehicle traffic accidents, the insurer for each insurance accident, all the victims of the medical costs of the maximum amount of compensation borne by the insurer. Medical expenses include medicine, diagnosis and treatment, hospitalization fee, hospital meal allowance, necessary and reasonable follow-up treatment, cosmetic surgery, and nutrition.
Property damage compensation limit: refers to the insured motor vehicle traffic accidents, the insurer for each insurance accident, all the victims of property damage to bear the maximum amount of compensation.