Commercial insurance and compulsory insurance are not the same company

Applying for commercial insurance and compulsory insurance may not be an insurance company, but it will be more troublesome when making a claim, and even after an accident, resulting in a large error in the amount of compensation.

1.It is very troublesome to apply for a claim: after the insurance, to distinguish between the responsible road traffic accident or the non-responsible road traffic accident, the owner needs to dial two ** and notify two insurance companies, one is the car insurance company where the compulsory traffic insurance is located, and the other is the insurance company where the commercial insurance is located, so that the two companies can respond quickly and rush to the scene in time.

2.Investigation and damage assessment link trouble: because the insured compulsory traffic insurance and commercial insurance are not an insurance company, after the accident surveyor is two, because the accident survey and damage assessment is not a simple 1 + 1 = 2 calculation, but the insurance company professionals are required to investigate and calculate according to many different factors, so the surveyors of the two insurance companies will be based on their respective car insurance knowledge, car maintenance knowledge, auto parts ** single and so on when the accident **, there will inevitably be a certain degree of error.

3.Trouble in getting the claim payment: After the car owner handles the report and assesses the damage, he also needs to prepare two documents according to the requirements of the two insurance companies and enter the period of waiting for the claim payment.

Due to the different service quality of various insurance companies, some insurance companies pay claims quickly, and some insurance companies are slower, so when car owners get claims, they also have to spend different hours waiting, which is really inconvenient.

There will be 3 types of claims:

1.The owner of the car is not responsible. In this case, the party responsible for the accident is responsible for the claim, but if the unfortunate party escapes or cannot be found, in this case, the compulsory traffic insurance can not make a claim, and the car owner can only use the commercial insurance to make a claim, and after the insurance company verifies and confirms, it will pay according to a certain percentage, so at this time, you only need to contact the company that insures commercial auto insurance.

2.The owner of the car is solely responsible. If the loss does not exceed the limit of the compulsory liability insurance, the full amount of the compensation will be paid by the compulsory liability insurance, and you only need to contact the insurance company that has taken out the compulsory liability insurance.

If the loss exceeds the limit of the compulsory traffic insurance, the compulsory traffic insurance will pay for it first, and the remaining part will be compensated according to the liability of the commercial insurance. Therefore, if the compulsory traffic insurance and commercial insurance are not purchased from the same company, unless the car owner can be sure that the accident loss will not exceed the limit of the compulsory traffic insurance, he should report the accident to both insurance companies at the same time. Presumably, most car owners are definitely not good at damage assessment; Even if you are "like a god", you still have to contact the loss assessors of the two insurance companies separately to deal with it.

3.Partial Liability. If the loss does not exceed the limit of the compulsory liability insurance, the respective compulsory liability insurance companies shall bear the liability for the claimIf the limit of compulsory traffic insurance is exceeded, the compensation will also be made through compulsory traffic insurance first, and the rest will be compensated by commercial insurance, and it is also necessary to report to the two insurance companies at the same time.

Finally, when the accident loss cannot be determined, it is necessary to report the accident to both the compulsory traffic insurance and commercial insurance companies at the same time. Why do we say this, mainly because we can't accurately guess the amount of compensation in the event of an accident, if once we exceed the amount of compulsory traffic insurance, and miss the time to report the case, we can only consider ourselves unlucky and bear this part of the cost.

1. It is best to buy compulsory traffic insurance and commercial insurance in the same company, if the insurance situation involves two insurance companies, you may have to face the troublesome problems of providing two claim information and handling the claim procedures separately, which will undoubtedly affect the efficiency of the claim

2. When the accident loss cannot be determined, it is best to report the accident at the same time to the two insurance companies of compulsory traffic insurance and commercial insurance.

However, it is best to buy commercial insurance and compulsory traffic insurance in the same insurance company, otherwise it will be very troublesome to settle claims in the future. Because not only do you need to go to the two insurance companies to go through the claim procedures separately, but also many of the supporting materials and invoices have only one original, and the car owner can no longer submit the materials to the commercial insurance company after handing over the original materials to the compulsory traffic insurance underwriting company for claim.

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability, which is a compulsory liability insurance for the victim's personal dust and property damage caused by a road traffic accident caused by the insured motor vehicle within the liability limit." Auto Commercial Insurance.

In fact, it is motor vehicle commercial insurance. Commercial insurance for motor vehicles.

It is the owner of the vehicle who has purchased the compulsory motor vehicle insurance that must be insured by the state, and voluntarily insures the motor vehicle insurance of the commercial insurance company.

Compulsory traffic insurance and commercial insurance.

It can not be the same family.

However, when making a claim, the claim will be made according to different conditions, such as in the event of an accident between the two parties, if the cost of compulsory traffic insurance is not exceeded, then only need to call the compulsory traffic insurance insurance.

The company can report the case;If the accident costs of both parties exceed the insured amount of compulsory traffic insurance.

In this case, both companies need to be notified;If a unilateral accident occurs, you only need to call commercial insurance to report the incident**. Death and Disability Compensation Limit: refers to the maximum amount of compensation borne by the insurer for the death and disability expenses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle.

The cost of death and disability includes funeral expenses.

Compensation for death, transportation expenses incurred by the victim's relatives for funeral matters, and disability compensation.

Disability assistive device fee, nursing care fee.

** Expenses, transportation expenses, living expenses for dependents, accommodation expenses, lost work expenses.

Solatium for moral damages borne by the insured in accordance with the court judgment or mediation.

1. The concept is different. The full name of compulsory insurance is "compulsory insurance for motor vehicle traffic accident liability, referred to as "compulsory traffic insurance";Auto Commercial Insurance.

In fact, it is a motor vehicle dealer Li Ye Insurance. Commercial insurance for motor vehicles means that the owner of the vehicle has purchased the compulsory motor vehicle traffic insurance that must be insured by the state, and voluntarily and prudently insures the automobile insurance of the commercial insurance company.

2. Compulsory insurance is compulsory by the state;Whereas, commercial insurance is voluntary;

3. The purpose of operation is different. The biggest purpose of commercial insurance for insurance companies is to make money;In fact, compulsory insurance is not to make money, as long as it guarantees that it does not make money and does not lose money, it can be widened, because this is mandatory by the state;

4. Compulsory insurance must be purchased, and for the policyholder, you must also place its relevant signs in the motor vehicle, otherwise the car will not be able to go on the road normally, and commercial insurance is different, as long as you buy it, whether you want to announce it to the outside world is your own business;

5. The strength of its compensation is different. Compulsory insurance has a certain limit, while commercial insurance does not have any limit at all.

YesCompulsory liability insurance and commercial insurance can be purchased separately, however, it should be noted that commercial insurance and compulsory liability insurance are best purchased in the same insurance company, otherwise it will be very troublesome to settle claims in the future.

Extended Materials. 1. The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by a road traffic accident caused by the insured motor vehicle within the liability limit.

2. Compulsory traffic insurance is the first compulsory insurance system implemented by national laws and regulations in China. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

3. The Road Traffic Safety Law, which came into effect on May 1, 2004, proposes for the first time to "establish a compulsory third-party liability insurance system for motor vehicles and establish social assistance for road traffic accidents". On March 21, 2006, the "Regulations on Compulsory Traffic Insurance" was promulgated, and the compulsory third-party liability insurance of motor vehicles was replaced by "compulsory traffic insurance", and the regulations stipulated that it would be implemented from July 1, 2006.

Fourth, the "compulsory third-party liability insurance for motor vehicles" and the current third-party liability insurance for motor vehicles - belong to commercial insurance, and the newly implemented "compulsory traffic insurance" insurance rate is higher than that of "motor vehicle third-party liability insurance", and the third-party liability insurance determines its liability according to the accident liability borne by the insured in the traffic accident.

5. Regardless of whether the insured is responsible for the traffic accident or not, the insurance company will compensate within the liability limit in accordance with the specific requirements of the Regulations on Compulsory Traffic Insurance and the provisions of the compulsory traffic insurance. It plays an important role in maintaining the personal and property safety of road traffic passers, ensuring road safety, and at the same time can reduce legal disputes, simplify handling procedures, and ensure that victims receive timely and effective compensation.

6. On March 30, 2012, the specific content of the amendment to the "Decision on Amending the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" is as follows: The decision on amending the "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability": The decision to make the following amendments to the "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability":

The first paragraph of Article 5 shall be amended as: "Insurance companies may, with the approval of the China Insurance Regulatory Commission, engage in compulsory insurance business for motor vehicle traffic accident liability. ”

7. According to the revised content and full text of the regulations published by the People's Republic of China, the new version of the "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" has only one amendment, and the first paragraph of the revised Article 5 is "Insurance companies may engage in compulsory insurance business for motor vehicle traffic accident liability with the approval of the Insurance Regulatory Commission."

Compulsory car insurance and commercial insurance can be separated from the two insurance companies, but when purchasing car insurance, the compulsory insurance takes effect immediately, and the commercial insurance takes effect the next day. Sometimes, because the payment is made at different times, it will lead to a long time difference between the start and end time of the compulsory traffic insurance and the commercial insurance, and it is easy to forget the renewal time of the compulsory traffic insurance and the commercial insurance.

In addition, if you buy car insurance separately from two different companies, the biggest problem is that it can become a hassle to make a claim. Because of two different insurance companies, once the accident occurs, you need to report to two different insurance companies, and then go through the claim process in two different insurance companies.

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This compulsory traffic insurance and commercial insurance can be bought separately from two different insurance companies, for example, your commercial insurance buys Pacific Insurance's Bao Taiping, and the compulsory traffic insurance, just buy the people's insurance to the people, not to say that there is no problem with the combination of the people's compulsory traffic insurance and the Pacific commercial insurance.

Compulsory traffic insurance must be bought, but commercial insurance can indeed be bought or not, so for compulsory traffic insurance, who to buy? It's the same in which insurance company? Just what if you're a new customer of this insurance company?

He doesn't have a certain discount, if you are a regular customer of this insurance company, he will also give you a certain discount.

Then commercial insurance is different, the rate of commercial insurance is floating, so each insurance company's ** is different, the same car, the same model** are different, so you have to compare many people's **, and then choose the insurance company that you think is more suitable to insure.

Yes, but from a practical point of view, in case of insurance, it is more troublesome to pay, and you have to find two insurance companies. If there is no personal injury involved, it is okay, as long as you find a commercial insurance company to compensate for property damage, in case someone is injured, you have to find a company with compulsory traffic insurance to pay first, and then find a commercial insurance company to pay. The premium of compulsory liability insurance is uniform, and the ** insurance company of commercial insurance will be more or less different.

Sunshine ** car insurance and online car insurance commercial insurance ** are lower than the three major ones as a whole, and the claims service is not bad.

You can buy compulsory traffic insurance in Ping An, buy some commercial insurance in the Pacific Ocean, and buy some other commercial insurance in PICC, which is fully in line with the provisions of the law, but it may be more expensive in terms of **, and there will be a certain degree of discount if you buy it in the same insurance company.

Yes, but the compulsory traffic insurance and commercial insurance will not be settled in the same company, and the following situations will occur

When an accident occurs between two parties, if the cost does not exceed the insured amount of the compulsory traffic insurance, you only need to report to the compulsory traffic insurance company, and you only need to find the compulsory traffic insurance company when making a claim.

When an accident occurs between two parties, if the cost exceeds the insured amount of compulsory traffic insurance, then both insurance companies need to report the case, and the two insurance companies are also running to the two insurance companies when making a claim.

When a unilateral accident occurs, you only need to call the insurance company of commercial insurance ** to report the case, and you only need to find a commercial insurance company to make a claim.

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