Whether the compulsory insurance for motor vehicles pays on a per time limit or a cumulative limit

Compulsory traffic insurance is an insurance that the state requires mandatory purchase and uniform premium premiums and compensationThe maximum limit is 10,000 yuanAnnually availableMultiple claims are made within the limit, and the part of the cumulative compensation that exceeds the limit shall be borne by the individual.

Compulsory traffic insurance is an insurance that every car owner must buy, but many people don't know what it does. Since you spend money to buy compulsory traffic insurance, you have to understand it:Everything you want to know is here!

Compulsory traffic insurance protects the insured vehicle in a road traffic accident that causes victims other than the vehicle personnel and the insured, and the premium compensation after the accident is mainly divided intoDeath & Dismemberment, Medical Expenses, and Property DamageThree aspects.

Next, you can first take a look at the claim limits of all aspects of compulsory traffic insurance.

It should be noted that the compensation of compulsory traffic insurance is based on the unit of years, there is a limit on the amount, and it is divided into:Liable and unresponsibleTwo scenarios.

No matter how many times you have been out of insurance, as long as the cumulative compensation does not exceed the limit, you can continue to make claims if you have another accident in the future, and if the claim exceeds the limit this year, then the excess will be borne by the individual.

Compulsory traffic insurance is the most basic insurance in car insurance, of course, if there is only compulsory traffic insurance, the protection is definitely not enough. Practical commercial auto insurance, such as third-party liability insurance, car damage insurance, and deductible insurance, should also be configured together so that they can be protected.

However, there are so many commercial car insurances, and everyone's economic level and needs are different, so the types of car insurance that need to be purchased are also different. If you don't know what other types of car insurance you need to buy, then be sure to check out:"There are so many types of car insurance, do you have to buy them all?"

Hope!

The compensation limit of compulsory insurance for motor vehicle traffic accident liability is: 1. Compensation without liability: the maximum compensation for injury loss is 2,000 yuan, and the maximum compensation for property damage is 200 yuan.

2. Liability compensation: 120,000 yuan for death and disability, up to 2,000 yuan for injury loss, and up to 200 yuan for property loss.

The insurance only covers medical expenses, as for lost work expenses, nutrition expenses, transportation expenses, accommodation expenses, mental damage expenses, etc. are not covered.

There is also the other party's claim for such compensation. It is recommended that you do not say yes indiscriminately. You can consult a lawyer. What you should pay and what you don't.

The amount of compensation varies according to the responsibility of the insured vehicle in the traffic accident. The full name of compulsory traffic insurance is compulsory liability insurance for traffic accidents of motorized imitation socks cars, which belongs to out-of-vehicle insurance, that is, it only compensates for the personal and property losses caused by traffic accidents to the insured vehicle and victims other than the people in the car. Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the insurance mark.

Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles. Motor vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles, and special vehicles.

The legal basis is urgentRoad Traffic Safety Law of the People's Republic of China

Article 17 The State implements a compulsory third-party liability insurance system for motor vehicles, and establishes social assistance for road traffic accidents. The specific measures are stipulated by ***.

Article 75: Medical establishments shall promptly rescue persons injured in traffic accidents, and shall not delay treatment because rescue expenses are not paid in a timely manner. If the vehicle involved in the accident participates in the compulsory third-party liability insurance of the motor vehicle, the insurance company shall pay the rescue expenses within the liability limit; If the rescue expenses exceed the liability limit, and those who do not participate in the compulsory third-party liability insurance of motor vehicles or escape after the accident, the road traffic accident social assistance ** shall pay part or all of the rescue expenses in advance, and the road traffic accident social assistance ** management agency has the right to recover from the person responsible for the traffic accident.

The motor vehicle strong family draft insurance is paid according to the time limit, and the third trillion Tong filial piety liability insurance and vehicle loss insurance of motor vehicle commercial insurance are also paid according to the time limit, but the body scratch loss insurance is a cumulative limit payment. Compulsory liability insurance for motor vehicle traffic accidents refers to the compulsory liability insurance in which the insurance company compensates within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents of the insured motor vehicle. Article 3 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability refers to the compulsory liability insurance for motor vehicle traffic accident liability caused by the insured motor vehicle in a road traffic accident that causes the personal and property losses of the vehicle personnel and the insured other than the insured, and compensates within the liability limit.

Legal analysis: The compulsory insurance of motor vehicles is paid according to the time limit, the third party liability insurance and the vehicle damage insurance of the motor vehicle commercial insurance are also paid according to the time limit, but the body scratch loss insurance is the cumulative limit of compensation. Compulsory liability insurance for motor vehicle traffic accidents refers to the compulsory liability insurance provided by the insurance company to compensate within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by the road traffic accident of the insured motor vehicle.

Legal basis: Article 3 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 3 The compulsory insurance of motor vehicle traffic accident liability referred to in these Regulations refers to the compulsory liability insurance provided by the insurance company for the personal and property losses of the injured persons and victims other than the insured caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

The liability limit of compulsory traffic insurance of automobile insurance is divided into death and disability compensation limit of 180,000 yuan, medical expense compensation limit of 18,000 yuan, property damage compensation limit of 2,000 yuan and compensation limit for the insured who is not responsible in road traffic accidents. Among them, the compensation limit for non-liability is 18,000 yuan for death and disability, 1,800 yuan for medical expenses, and 100 yuan for property damage.

Legal basis: Article 23 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability implements a uniform liability limit for compulsory insurance of motor vehicle traffic accident liability nationwide. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

The liability limit of compulsory insurance for motor vehicle traffic accident liability shall be determined by the insurance supervision and management agency in conjunction with the public security department, the health department, and the agriculture department.

Legal analysis: In order to better play the role of compulsory traffic insurance protection, according to the "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability", the China Banking and Insurance Regulatory Commission, together with the Ministry of Public Security, the Health Commission, and the Ministry of Agriculture and Rural Affairs, will study and increase the liability limit of compulsory traffic insurance, and increase the total liability limit of compulsory traffic insurance from 10,000 yuan to 200,000 yuan, of which the compensation limit for death and disability will be increased from 110,000 yuan to 180,000 yuan, the compensation limit for medical expenses will be increased from 10,000 yuan to 10,000 yuan, and the compensation limit for property damage will remain unchanged at 10,000 yuan.

Legal basis: Regulations on Compulsory Insurance of Liability for Imitation Traffic Accidents of Motor Vehicles

Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 22 In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accidents, and shall have the right to recover compensation from the victim: (1) the driver has not obtained driving qualifications or is intoxicated; (2) The accident is caused during the theft and robbery of the insured motor vehicle; (3) The insured intentionally causes a road traffic accident. In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs due to slippage, the insurance company shall not be liable for compensation for the property losses caused to the victim.

Article 24 The State shall establish social assistance for road traffic accidents** (hereinafter referred to as assistance**). In any of the following circumstances, the funeral expenses and some or all of the rescue expenses of the victim in the road traffic accident shall be paid in advance by the rescue, and the rescue management agency shall have the right to recover from the person responsible for the road traffic accident: (1) The rescue expenses exceed the liability limit of the compulsory insurance of motor vehicle traffic accident liability; (2) The motor vehicle involved in the accident has not participated in the compulsory insurance of motor vehicle traffic accident liability; (3) Fleeing after a motor vehicle has been hit.

The compensation limits of compulsory motor vehicle insurance are as follows:

1. The compensation limit for death and disability is 110,000 yuan;

2. The compensation limit for medical expenses is 10,000 yuan;

3. The compensation limit for property damage is 2,000 yuan;

4. When the insured is not liable, the compensation limit for death and disability without liability is 11,000 yuan; The compensation limit for non-liability medical history consumption is 1,000 yuan; The compensation limit for non-liability property damage is 100 yuan.

How to inquire about compulsory traffic insurance.

1. For inquiries by insurance companies, car owners can bring their ID cards to the offline business hall of the company they undertake, and then go to the staff at the counter to help them inquire;

2. For inquiry, the owner can directly call the customer service of the insurance company, and then provide relevant information according to the requirements of the customer service staff, so that the customer service staff can help the car owner inquire about the policy of compulsory traffic insurance;

3. Enter the official website to inquire, the car owner logs in to the official ** in the insurance company, and then enters his ID card and license plate number in the policy page, so that he can also query the compulsory traffic insurance policy;

4. Check in the historical record, generally after purchasing compulsory traffic insurance, the insurance company will send the information of the policy. Some are sent via SMS, while others are sent to the customer's mailbox. If you don't delete all this historical information, you can query it in this way.

Legal basis: Article 8 of the "Insurance Clause for Motor Vehicle Traffic Accident Liability".

In the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), if the insured suffers a traffic accident in the course of using the insured motor vehicle, resulting in personal or property losses to the victim, the insurer shall be liable for damages borne by the insured in accordance with the provisions of the compulsory traffic insurance contract within the following compensation limits:

1) The compensation limit for death and disability is 180,000 yuan;

2) The compensation limit for medical expenses is 18,000 yuan;

3) The compensation limit for property damage is 2,000 yuan;

4) When the insured is not liable, the compensation limit for death and disability without liability is 18,000 yuan; The compensation limit for non-liability medical expenses is 1,800 yuan; The compensation limit for non-liability property damage is 100 yuan.

Under the limit of compensation for death and disability and the limit of compensation for death and disability without liability, it is responsible for compensation for funeral expenses, death compensation, transportation expenses incurred by the victim's relatives for funeral matters, disability compensation, disability assistive device expenses, nursing expenses, ** expenses, transportation expenses, living expenses of dependents, accommodation expenses, lost work expenses, and solatium for mental damage borne by the insured in accordance with the court judgment or mediation.

Under the compensation limit for medical expenses and the compensation limit for non-liability medical expenses, it is responsible for compensating medical expenses, diagnosis and treatment expenses, hospitalization expenses, inpatient meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery expenses, and nutrition expenses.

Limits of compensation for the liability of a motor vehicle in a road traffic accident:

Death & Disability Compensation Limit: RMB 110,000 for demolition rent.

Medical expenses compensation limit: RMB 10,000.

Compensation limit for property damage: RMB 2,000.

Compensation limit for motor vehicles not responsible for road traffic accidentsDeath and disability compensation limit:

Compensation limit for medical potato treatment expenses: RMB 1,000.

Compensation limit for property damage: 100 RMB.

Liability limits for motor vehicles in road traffic accidents

1. Compensation limit for death and disability: 110,000 RMB;

2. Compensation for medical expenses: 10,000 yuan;

3. Compensation limit for property damage: 2,000 yuan.