Liability compensation limit: death and disability compensation limit: 1 10000 yuan, medical expenses compensation limit: 10000 yuan, property loss compensation limit: 2000 yuan.
No liability compensation limit: death and disability compensation limit: 1 1000, medical expenses compensation limit: 1000 yuan; Limit of compensation for property losses: 100 yuan.
4) Insurance suggestion: Compulsory insurance is a kind of compulsory insurance and a kind of relief insurance. The vehicles operated by logistics enterprises belong to high-risk industries, and the operational risks cannot be covered simply by purchasing compulsory insurance. Choosing the appropriate three risks is an effective means to resolve operational risks. So how to recognize and choose these three risks? The following is a comprehensive interpretation of the three risks in the main insurance.
Second: third party liability insurance (main insurance) 1) meaning: when an accident occurs in the use of the insured vehicle, causing personal injury or direct loss of property to a third party, the insurance company shall compensate the insured according to the insurance contract. The "three" here refers to the personal and property losses of the third party other than the vehicle itself and the passengers on board.
2) Compensation content: The compensation of the third party liability insurance is the basis for calculating the insurance indemnity according to the Measures for Handling Road Traffic Accidents. Deductible according to the size of the accident liability, the insurance company with full responsibility will be exempted from compensation by 20%, the insurance company with main responsibility by 15%, the insurance company with equal responsibility by 10%, and the insurance company with secondary responsibility by 5%.
3) Compensation limit: The insurance company can set the compensation liability limit of 50,000 yuan, 6,543.8+10,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 6,543.8+10,000 yuan, and no more than 6,543.8+10,000 yuan.
4) Insurance suggestion: When choosing the insurance amount of this type of insurance, logistics enterprises must determine the insurance amount according to their own vehicle operation areas, routes and models.
For example, the vehicle is a large tractor, which has a long operating distance and complicated road conditions (high speed+national highway+provincial and county roads). The superposition of these factors greatly increases the operational risk of vehicles, and the amount of accident losses will be much greater than that of short-distance vehicles.
For another example, the vehicle is running in Beishangguang. If these vehicles have an accident, the compensation standard will be much higher than that of the economically underdeveloped areas in the central and western regions, because the regional economy and income level are very different from those in the central and western regions. Therefore, if there are vehicles operating in first-tier cities, the three are enough.
For another example, the license plate number of the vehicle is Shanghai, and the accident occurred in remote and poor areas in the central and western regions, such as Tibet. Assuming that both parties fail to reach an agreement on accident compensation after the accident, the victim can choose to file a lawsuit in Tibet or Shanghai, where the vehicle license plate is located. If a lawsuit is filed in Shanghai, legally speaking, the court can refer to the compensation standard in Shanghai for calendar calculation (the party responsible for the accident will defend), and the compensation standard in Shanghai will be much higher than that in Tibet.
Therefore, combined with the above example, the logistics company must choose the insurance target amount of the three liability insurance according to its own vehicle operation characteristics, and should choose the insurance amount sufficient to cover its own operational risks based on the principle of "Gao Ning rather than low", with the starting point of completely covering its own operational risks.
Third: vehicle loss insurance (main insurance) 1) meaning: losses caused by accidents such as accidental collision and rollover of the insured vehicle; Or losses caused by fire or explosion around the insured vehicle; The insurance company shall be responsible for the compensation for the losses caused by the collapse of external objects, falling objects in the air and parallel falling when the insurance vehicle is driving. Including rainstorms, floods, and other force majeure natural disasters (except earthquakes), including the loss of insurance vehicles caused by natural disasters (limited to those carrying drivers). On the ferry carrying insurance vehicles, insurance is insured by the insurance company and paid by the insurance company.
2) Compensation content: including the loss of the vehicle itself in the accident and the reasonable expenses incurred by taking reasonable rescue and protection measures for the vehicle. The liability of this kind of insurance is just the opposite of the above three kinds.
3) Compensation limit: according to the accident liability, the insured amount is the basic compensation amount, and 5%- 15% of the compensation amount is the deductible. The specific deductibles are as follows: full liability 15%, main liability 10%, equal liability 8%, and secondary liability.
4) Insurance suggestion: The subject matter of car damage insurance is just the opposite of the three types of insurance. The subject matter of third-party insurance is losses other than vehicles and passengers, while car damage insurance only covers losses caused by accidents of vehicles themselves. The vehicles of logistics enterprises belong to high-risk vehicles, so they should be insured for this type of insurance, and ensure that their vehicle maintenance costs can be compensated from insurance companies in the event of accidents, and they can also be paid through insurance companies when vehicles are scrapped due to accidents.
Fourth: Theft and rescue (main insurance) 1) Insurance significance: If the whole insured vehicle is stolen or robbed, the public security criminal investigation department at or above the county level files a case for verification, and the whereabouts are not found for three months, the insurance company will be responsible for compensation.
2) Compensation content: the insured amount of the stolen or robbed insured vehicle is limited to the actual value, and the repair cost of the parts and accessories damaged or lost after the whole insured vehicle is stolen or robbed.
3) Deductible: 80% of the total amount of the vehicle will be paid, and 20% deductible.
4) Insurance suggestion: Vehicles of logistics enterprises are likely to be stolen due to the uncertainty of parking time, place and place, especially operating trucks. The reason why criminals steal cars is to steal goods, and the reason why the whole car is stolen is also an important factor. Therefore, it is very necessary for logistics enterprises to buy stolen vehicles and ensure that public security organs can recover stolen vehicles in time when they cannot solve the case.
Fifth: Vehicle seat liability insurance (main insurance) 1) Meaning: When the insured vehicle has an accident, the insurance company shall be liable for the casualties and rescue expenses of the people on board.
2) Compensation content: The scope, items and standards of compensation for casualties on the vehicle shall be implemented according to the Measures for Handling Road Traffic Accidents, but it shall not exceed the number of insured seats and the agreed insurance amount per seat. Specific expenses include: personnel rescue expenses, medical expenses, lost time expenses, etc.
3) Deductible: Deductible according to the accident liability, the insurance company that takes full responsibility will be exempted from compensation by 20%, the insurance company that takes the main responsibility will be exempted from compensation by 15%, the insurance company that takes the same responsibility will be exempted from compensation by 10%, and the insurance company that takes the secondary responsibility will be exempted from compensation by 5%.
4) Insurance suggestion: If the logistics enterprise has already purchased accident insurance or employer liability insurance for drivers or employees, and the insurance coverage of the above-mentioned types is high enough, it is not recommended to buy enough liability insurance for the crew on board, so the insurance coverage and premium are generally lower.
Sixth: separate glass breakage insurance (additional insurance) 1) meaning: when the windshield and window glass of the vehicle are broken separately, the insurance company is responsible for compensation.
2) Compensation content: according to the insurance agreement, the actual cost of repurchasing glass according to domestic or imported products.
3) Suggestions on insurance: Pay attention to the word "separate" in reinsurance liability. If the broken glass is caused by other accidents, there is compensation in the car damage insurance of other cars. When logistics enterprises adopt imported tractors with relatively new car conditions, it is recommended to buy this insurance, because the price of replacing the front windshield is still high, especially when the glass is broken due to flying rocks and animal impact at high speed, the whole glass should be replaced. In this case, the loss can be transferred.
Seventh: Self-ignition insurance (additional insurance) 1) Meaning: The insurance company is responsible for compensation for vehicle losses caused by vehicle circuits, lines, oil supply system failures and the fire of the goods themselves.
2) Compensation content: If the vehicle is partially lost due to fire, the repair cost shall be compensated according to the actual repair cost. If the whole car is burned or has lost its repair value, compensation shall be made according to the actual value of the car at the time of the accident, but the maximum amount shall not exceed the insured amount.
3) Deductible: 80% of the compensation amount and 20% of the deductible.
4) Insurance suggestion: As the vehicles of logistics enterprises run at high load all the year round, they are often in the mode of continuous operation without stopping, which generally leads to overloading of vehicles, and the possibility of fire is greatly improved, especially for logistics enterprises that transport inflammable and explosive goods, they should buy this type of insurance.
Eighth: excluding special risks with deductible (additional risks) 1) meaning: after taking out this insurance, the insured shall pay according to the deductible of the insured vehicle in vehicle loss insurance, third party liability insurance and other additional risks, regardless of one or more insured accidents.
2) Compensation content: The deductible borne by the insured within the compensation amount is the insurance content of additional risks such as vehicle loss insurance and third party liability insurance.
3) Insurance suggestion: It is suggested that logistics enterprises must buy this insurance, and they can only buy car damage insurance and three-liability insurance without deductible, especially the three, because the operating trucks such as 17 meter container trucks are large in model and large in tonnage, and the personal injuries and property losses caused by the three accidents are relatively large, and the compensation base is relatively high, so the deductible of insurance companies will be relatively high, which can effectively reduce the purchase of this insurance.