Car hit a person Car Insurance Reimbursement Questions 20

1. The injured can ask you to compensate for medical expenses, lost work expenses, nursing expenses, nutrition expenses, transportation expenses and mental damages, as well as motorcycle repair costs, as for how much to accompany, it is up to you to negotiate, if the negotiation fails, go to the court for mediation, if the mediation fails, the injured person can sue you.

2. Medical expenses, lost work expenses, nursing expenses, and transportation expenses, the insurance company can compensate you within the insurance amount of the compulsory traffic insurance and commercial third-party insurance you have purchased.

3. Medical expenses: full reimbursement for Category A, 90% for Category B, and non-reimbursement for Category C; If there are domestically produced alternative drugs or appliances, imported products cannot be reimbursed; Medical invoices and medical records must be kept for inspection by the insurance company, otherwise the claim will not be made; If you transfer to a medical institution of the same or lower level, you can only choose one of the hospitals for reimbursement.

This means that the insurance company's request for reimbursement does not affect the injured person's claim for compensation against you.

4. Lost time pay: You must provide a salary slip and a tax payment certificate in order to compensate for lost time according to the amount listed in the payroll, otherwise you can only compensate according to the local average level, what is the local average level, ask the local traffic police, they know.

This means that the insurance company's request for reimbursement does not affect the injured person's claim for compensation against you.

All of the above means that the insurance company's requirements for reimbursement do not affect the injured person's claim for compensation against you.

That is to say, you can only negotiate with the injured person, you can move out the terms of the insurance company, tell him that this can't be compensated, that can't be compensated, but he can completely ignore the terms of your move-out, or ask you for money, and he also has to be very legitimate. Because the above terms are bound by the insurance company to you, and are not binding on the injured person.

Some issues vary from place to place.

Ask the traffic police and insurance companies more.

1.In terms of hospital medication, it is indeed reimbursed according to the scope of social security, and when discharged, the hospital asks for a list of drugs used in the hospital, which will list in detail the drugs and quantities used during hospitalization, and there is a self-conceited percentage in the remarks column of each drug

2.The compensation for lost time is calculated from the date of the accident to the date of recovery, that is, 32 days of hospitalization plus the number of days of recuperation at home issued by the hospital to the injured person.

3.The calculation of lost time pay varies from province to province, and the wage standard for each day is mainly determined based on the per capita income of the rural population in the province in the previous year.

4.As for whether it is hospitalized or after discharge. As long as there is a doctor's certificate. The insurance company has to pay for this, and the insurance company has to go to the hospital to check the injured person's hospitalization related medical records, injuries, etc., so that the number of days of sick leave can be determined.

Depending on how you buy the insurance, if you only buy compulsory insurance, the insurance company can only pay 10,000 yuan for you. The excess is at your own expense.

If you have commercial insurance, the medical expenses depend on how much third-party liability insurance you have purchased. After deducting the 10,000, it will be deducted from the third-party liability insurance. If there is a traffic police officer who determines how much work is lost, you can also negotiate with the insurance company!

Because this is the loss caused by a traffic accident!

Compensation from the insurance company for the collision: The public security organ needs to determine the responsibility of the motor vehicle, and then bear the compensation for the loss of the accident according to the responsibility, and apply for insurance claims in accordance with the terms of the insurance contract after the compensation is completed. When making a claim, the insured submits the relevant information to the insurance company, the insurance claim window accepts and examines it, the insurance company approves and agrees, and the insurer finally determines the amount of compensation and pays the corresponding compensation before the insurance is paid.

[Legal basis].Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the 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 scope of the compulsory insurance liability limit for motor vehicle traffic accident liability in accordance with the law.

The loss of a road traffic accident is caused by the victim's deliberate friendliness and is not compensated by the insurance company.