The compulsory motor vehicle traffic accident liability insurance rates implemented on July 1 this year have been finalized. Yesterday afternoon, the China Insurance Regulatory Commission announced 8 categories including family cars, non-commercial buses, motorcycles, etc.***42 Compulsory traffic insurance rates for each vehicle type. Among them, the compulsory insurance rate for family-use cars with less than 6 seats, which has the largest number in Beijing, is 1,050 yuan. The limit of liability for compensation stipulates that compensation for death and disability is RMB 50,000, compensation for medical expenses is RMB 8,000, and compensation for property damage is RMB 2,000. Liable compensation totaling RMB 60,000.
Compulsory traffic insurance is my country’s first compulsory insurance system stipulated by national law. The insurance company covers the personal lives of the victims (excluding the occupants of the vehicle and the insured) caused by road traffic accidents involving insured motor vehicles. Compulsory liability insurance that compensates casualties and property losses within the liability limit. It is understood that compulsory traffic insurance currently has a unified price across the country. After one year, the rates will fluctuate according to the operating conditions of each insurance company. Currently, each motor vehicle only needs to purchase one compulsory traffic insurance policy.
In the event of an accident, compulsory traffic insurance will compensate you first
After purchasing compulsory traffic insurance, do you no longer need to purchase commercial liability insurance? According to experts, the current compensation of only 60,000 yuan is far from enough in serious traffic accidents. The current compensation for serious personal injury accidents is at least 200,000 yuan. Therefore, for better protection, consumers can voluntarily purchase commercial liability insurance and vehicle damage insurance while purchasing compulsory traffic insurance. For example: Many policyholders currently purchase commercial third-liability insurance with a liability limit of 200,000 yuan, car damage insurance, additional theft and rescue insurance, excluding deductible insurance and separate glass breakage insurance. After the implementation of the compulsory traffic insurance system, consumers must first purchase compulsory traffic insurance after the original insurance contract expires. At the same time, they can also choose to purchase commercial three-liability insurance with different levels of liability limits (such as 50,000, 100,000) based on their own needs. yuan, 150,000 yuan or higher) as well as car damage insurance and various additional insurances, etc.
According to reports, when a traffic accident occurs, the compulsory traffic insurance will pay compensation first, and the insufficient part will be supplemented by commercial insurance. For example, in a fatal traffic accident with a liability of 300,000 yuan, the 50,000 yuan from the compulsory traffic insurance will be compensated first, and the rest will be paid by the commercial insurance.
Compulsory traffic insurance may not be covered until commercial insurance expires
According to regulations, the compulsory traffic insurance system will be implemented on July 1 this year. Motor vehicle owners and managers must purchase compulsory traffic insurance within three months from the date of implementation and place an insurance sign on the insured motor vehicle. If you have purchased commercial three-liability insurance before the implementation of the compulsory traffic insurance system and the policy has not expired, the original commercial three-liability insurance policy will continue to be valid, and drivers should carry the policy with them for reference. After the expiration of the original commercial three-liability insurance, you should promptly purchase compulsory traffic insurance.
The reporter learned that in order to save premiums these days, many policy holders want to buy commercial third-party insurance to avoid compulsory traffic insurance. Industry insiders think it is undesirable. According to reports, if a policy with an effective date after July 1 does not insure compulsory third party insurance in accordance with regulations, car owners may face fines.
The Driver Escape Rescue Fund advances rescue fees
With the implementation of compulsory traffic insurance, the road traffic accident social assistance fund has also begun to cooperate with it. According to regulations, when the rescue costs exceed the liability limit of compulsory traffic insurance, the motor vehicle involved in the accident does not participate in compulsory traffic insurance, or the motor vehicle escapes after a hit-and-run, the rescue fund will advance the funeral expenses of the traffic accident victim's personal injury or death, and part or all of the rescue costs. At the same time, the rescue fund management agency has the right to recover compensation from those responsible for road traffic accidents. The sources of the rescue fund include: first, funds withdrawn according to a certain proportion of the premiums of compulsory traffic insurance; second, fines imposed on owners and managers of motor vehicles that fail to insure compulsory traffic insurance in accordance with regulations; third, the rescue fund management agency provides funds to road traffic insurance companies in accordance with the law. The funds recovered from the person responsible for the accident; the fourth is the interest on the rescue fund; the fifth is other funds. Specific management measures for the rescue fund are being formulated by relevant departments.
Motor vehicle traffic accident liability compulsory insurance basic rate table Amount unit: RMB
1. Family cars
1 Family cars with less than 6 seats1 , 050
2 Family-use cars with 6 seats or more 1,100
2. Non-commercial passenger cars
3 Enterprise non-commercial cars with less than 6 seats 1,000
4 Enterprise non-commercial cars 6-10 seats 1,190
5 Enterprise non-commercial cars 10-20 seats 1,300
6 Enterprise non-commercial cars 1,580 for more than 20 seats
7 Agency non-commercial vehicles with less than 6 seats 950
8 Agency non-commercial vehicles with 6-10 seats 1,070
9 Agency Non-commercial cars with 10-20 seats 1,140
10 Government non-commercial cars with more than 20 seats 1,320
3. Commercial passenger cars
11 Business rental and leasing Below 6 buildings 1,800
12 Business rental and lease 6-10 buildings 2,360
13 Business rental and lease 10-20 buildings 2,580
14 Business rental and lease of 20-36 seats 3,730
15 Business rental and lease of more than 36 seats 3,880
16 Business city bus 6-10 seats 2,250
17 city buses with 10-20 seats in operation 2,520
18 city buses with 20-36 seats in operation 3,270
19 city buses with 36 seats or more 4,250
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20 Business road passenger transport 6-10 seats 2,350
21 Business road passenger transport 10-20 seats 2,620
22 Business road passenger transport 20-36 seats 3 , 420
23 Commercial highway passenger transport with more than 36 seats 4,690
IV. Non-commercial trucks
24 Non-commercial trucks with less than 2 tons 1,200
p>25 Non-commercial trucks 2-5 tons 1,630
26 Non-commercial trucks 5-10 tons 1,750
27 Non-commercial trucks 10 tons or more 2, 220
5. Business trucks
28 Business trucks under 2 tons 1,850
29 Business trucks 2-5 tons 3,070
30 Business trucks 5-10 tons 3,450
31 Business trucks more than 10 tons 4,480
6. Special vehicles
32 Special vehicles 1 6,040
33 Special Vehicle Two 2,430
34 Special Vehicle Three 1,320
35 Special Vehicle Four 5,660
7. Motorcycles
36 Motorcycles 50CC and below 120
37 Motorcycles 50CC-250CC (inclusive) 180
38 Motorcycles 250CC and above Side three-wheel 400
8. Tractors
39 Agricultural tractors 14.7KW and below to be determined
40 Agricultural tractors 14.7KW and above to be determined
41 Transport tractors 14.7KW and below to be determined
42 Transport tractors 14.7KW and above to be determined
1. Seats and tonnage are classified according to "including starting point but not ending point" To explain in principle;
2. Special vehicle one: oil tank truck, steam tank truck, liquid tank truck, refrigerated truck; Special vehicle two: used for towing, clearing, sweeping, cleaning, lifting, loading and unloading, Various special motor vehicles for lifting, mixing, excavation, bulldozing, etc.;
Special vehicle three: Various special vehicles equipped with fixed special instruments and equipment for professional work such as monitoring, firefighting, medical treatment, television broadcasting, etc. Motor vehicles;
Special vehicle four: container tractor.
3. The trailer is calculated based on the actual nature of use and 50% of the corresponding tonnage of the truck.
Today’s interview
8,000 yuan in medical expenses is relatively low
Regarding the just-announced compulsory traffic insurance rate, Hao Yansu, an insurance professor at the Central University of Finance and Economics, believes that 1,050 yuan for a private car The rates are acceptable. At the same time, Hao Yansu believes that the current medical expenses remain high, and the medical compensation of 8,000 yuan is definitely not enough for rescuers.
Hao Yansu initially predicted that the premiums for compulsory traffic insurance may rise in one year. At present, compulsory traffic insurance has a national uniform rate, but it will be adjusted in the second year based on profit and loss and accident situations. The current compulsory traffic insurance pays higher compensation for vehicle damage. If this part of the compensation is not involved, the existing compulsory traffic insurance rates will be lower than now. In fact, if you look at the ratio of property compensation of 2,000 yuan, the insurance company is likely to make a loss, and the rates may also increase next year. But this will be linked to personal risk situations.
In addition, Hao Yansu believes that existing commercial third party insurance may see price cuts. This is because the coverage of insurance companies will expand, the amount of compensation will increase, and the pressure for survival will further increase. Many car owners who originally purchased low-limit commercial insurance may no longer insure commercial third-party insurance after purchasing compulsory traffic insurance. Therefore, in order to compete for customers, the prices of existing commercial third-party insurance are bound to be reduced.
According to various parties
The consumer compulsory traffic insurance premium is a bit high
Although the compulsory traffic insurance premium announced yesterday has been lower than the previously rumored 1,800 yuan, many Consumers said that the insurance amount was not enough to cover claims after a vehicle accident, and the ratio of the insurance amount to the premium was very different. Mr. Yue, a citizen, believes that in the event of a vicious traffic accident, the insurance amount of around 60,000 yuan is simply not enough to cover the cost of compensation. It is understood that many commercial auto insurance rates for a sum insured of 100,000 yuan are around 1,000 yuan after discounts. Although compulsory insurance has expanded the scope of compensation, the rates for compulsory traffic insurance are still relatively expensive compared with commercial third party insurance.
It is difficult for insurance companies to pay compensation without losing money
Although many consumers feel that compulsory traffic insurance rates are higher, an economist from Tianping Auto Insurance North Branch is not sure whether insurance companies can make profits. Express not optimistic. He said that the compulsory traffic insurance rate is similar to the current commercial insurance quotation. Currently, the compulsory traffic insurance is managed by separate accounts. It will take a year to test whether the insurance company can truly achieve neither loss nor profit. This is directly related to the management strength of the traffic police and the personal danger situation. However, judging from the private car premium of 1,050 yuan, excluding labor costs and other expenses, it is difficult for insurance companies to make a profit.
The China Insurance Regulatory Commission’s floating rewards and penalties for the bad next year
As to whether the official implementation of compulsory traffic insurance will increase the financial burden on policyholders,
The relevant person in charge of the China Insurance Regulatory Commission pointed out , policyholders should gradually change their minds. The "guardian" objects of compulsory traffic insurance are all road and non-road travelers, including the policyholders themselves. Therefore, the value of compulsory traffic insurance cannot be measured simply by the rate and insured amount. Compulsory traffic insurance implements a mechanism that links the premium rate to road traffic safety violations and traffic accidents. Safe drivers can enjoy preferential rates, while frequent perpetrators will bear high premiums.
Related links
What is the relationship between compulsory traffic insurance and the original three liability insurance?
Compulsory motor vehicle traffic accident liability insurance (referred to as compulsory traffic insurance) and motor vehicle third party liability insurance (i.e. three liability insurance) that consumers are familiar with belong to the same type of insurance, both of which protect road traffic. Insurance that provides timely and effective compensation to third-party victims in accidents. It's just that compulsory traffic insurance is legally compulsory. In fact, it can be called "compulsory three liability insurance." In the past, the three liability insurances were all commercial.
Motor vehicle three-liability insurance has a strong public welfare nature. After the car owner has purchased the three-liability insurance, in the event of a traffic accident, the insurance company will provide compensation to the injured third party, which is important for protecting the legitimate rights and interests of citizens and safeguarding Social stability is of great significance. The "Road Traffic Safety Law of the People's Republic of China", which came into effect on May 1, 2004, proposed for the first time to "establish a compulsory third-party liability insurance system for motor vehicles and establish a social assistance fund for road traffic accidents."
On March 28 this year, the State Council promulgated the "Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance", and the compulsory three-liability insurance has since been renamed compulsory traffic insurance. This system will be officially implemented from July 1
Further reading: How to buy insurance, which one is better, and a step-by-step guide to avoid the "pitfalls" of insurance