If you buy compulsory traffic insurance, can you not buy the third insurance?

If you buy compulsory traffic insurance or not, depending on the needs of the car owner, the protection provided by the compulsory traffic insurance and the third party liability insurance is the same, but there is a limit to the liability compensation of the compulsory traffic insurance.

To put it simply, compulsory traffic insurance is a compulsory insurance for the insurance company to compensate the insured for the personal and property losses of a third party caused by a traffic accident within the liability limit.

Compulsory traffic insurance is mandatory, and you can't go on the road if you don't buy it.

The amount of compensation is low, and a total of 122,000 yuan can be compensated. Among them, the maximum compensation for death and disability is 110,000 yuan, the compensation for medical expenses is 10,000 yuan, and the maximum compensation for property loss is 2,000 yuan.

Compulsory traffic insurance only compensates others, not yourself.

All three. It mainly compensates for the personal and property losses of third parties.

Sum insured. It is divided into 300,000, 500,000, and 1 million.

Why do I have to buy three-party insurance when I buy compulsory traffic insurance?

In the event of third-party property loss, the compulsory traffic insurance will pay up to 2,000 yuan and 120,000 yuan for personal death. In the event of a third-party personal injury accident, you really can't afford to pay for it only with compulsory traffic insurance. In case you accidentally rear-end a Ferrari.

Or if there is a human ** incident, don't buy the three insurance, go to drink the northwest wind?

Purchase compulsory traffic insurance and three liability insurance.

Notes.

Pay attention to the expiration time of the insurance.

It is important to renew the insurance in a timely manner, and you must not let the vehicle run naked; If the compulsory traffic insurance expires and the traffic police find that they will pay double the fine and detain the car. At the same time, if there is an accident on the road that is out of insurance, the insurance company is likely to refuse to pay.

Compulsory traffic insurance takes effect immediately, commercial insurance.

Generally, it will take effect at 0:00 the next day.

In the event of an insured incident, the report must be made within 48 hours. Otherwise, the insurance company may be deemed to have voluntarily waived the right to claim the claim, and the claim may be denied.

Take out third party liability insurance.

The sum insured must be sufficient. Choose the amount of insurance according to the local compensation standard and your own economic conditions to avoid insufficient protection. It is recommended to start at least 500,000.

Compulsory traffic insurance is mandatory to be purchased by the stateIf you don't buy it, you can't go on the road, and the three insurances belong to one of the commercial car insurances, and car owners canVoluntary choiceWhether you want to buy it or not. However, since the compensation amount of compulsory traffic insurance is very limited, it is generally recommended to buy all three insurance.

If you don't think you need to buy third-party insurance, you might as well read this article before deciding:"With compulsory traffic insurance, do I still need to buy commercial third-party liability insurance? How much is the warranty? 》

In fact, the compulsory traffic insurance and the three insurance protect the third party who suffers personal ** or property damage in the event of an accident, and the most important reason why you need to buy the three insurance after purchasing the compulsory traffic insurance is that the three insurance can bear the part that exceeds the amount of the compulsory traffic insurance.

The maximum payout limit for compulsory liability insurance is:10,000,The sum insured can be selected for the three insurancesThere are multiple grades such as 50,000, 500,000, 1 million and 1.5 million.

Here's a quick example:

Xiao Li hit the luxury car after the damage assessment, after the judgment needs to pay 500,000 yuan, the compensation limit of hundreds of thousands of compulsory traffic insurance is definitely not enough, at this time if you buy three liability insurance can bear to play a role.

Usually, it is recommended to buy a minimum of 500,000 insurance for the three insurancesIt is generally recommended to buy 1 million, and it is better to buy 1.5 million. If it is located in a first-tier city, it is best to increase the sum insured above 1 million. However, the specific amount of insurance to choose depends on the region and economic level.

In short, the protection effect of compulsory traffic insurance is very limited, and in the event of a more serious accident, it is far from enough to rely on compulsory traffic insurance to settle claims. Therefore, in order to reduce the risk, in addition to compulsory traffic insurance, it is also necessary to allocate other types of car insurance.

What are the types of car insurance? Do you want to buy them all? 》Hope!

If you feel that your driving skills are good, your sense of direction and vision are good, you don't need to buy three insurance.

No, the three liability insurance belongs to the commercial insurance and must be bought.

You can not buy the three insurance, only the compulsory insurance.

You can only buy compulsory traffic insurance, not all three.

Of course, you have to ask for peace when you go out. Therefore, many car owners who have bought a car inevitably want to buy car insurance, in order to seek peace of mind. Although car insurance can be safe, the cost is also very high.

Many car owners only choose to buy compulsory traffic insurance out of love for their wallets. Commercial insurance, on the other hand, is not the choice of most car owners. So in order to save this money, many car owners are driving carefully, after all, a traffic accident is not a joke.

Everyone knows that compulsory traffic insurance must be bought, so is it feasible to only buy compulsory traffic insurance and not buy commercial insurance?

If you only buy compulsory traffic insurance and three-party insurance, and the person who caused the accident and died is fully responsible, how will the insurance company compensate?

You can only buy compulsory liability insurance and third-party liability insurance, except for compulsory liability insurance, which is mandatory, and everything else is voluntary. It mainly depends on the condition of your vehicle and the personal driving situation to choose the appropriate car insurance.

From the perspective of regulations, there is little difference between compulsory traffic insurance and third-party liability insurance. Compulsory traffic insurance refers to the compulsory liability insurance in which the insurance company compensates the victim (excluding the vehicle personnel and the insured) for personal and property losses caused by a motor vehicle road traffic accident occurring by the insured within the liability limit. Third-party liability insurance refers to an insurance in which the insured causes property damage or personal injury to a third party due to negligence, and the insurance company compensates for the property of the third party or compensates the third party for personal injury.

Extended information] Compulsory motor vehicle traffic accident liability insurance is a compulsory liability insurance that is compensated by the insurance company for the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by the road traffic accident of the insured motor vehicle within the liability limit. This insurance is the first compulsory insurance system implemented by national laws and regulations in China, and the premium is uniformly stipulated by the state, and the main factor affecting the compulsory traffic insurance** is the "number of car seats".

Scope of compensation: Compared with the more than 20 exemption clauses of commercial third-party insurance, the exemption of compulsory traffic insurance is "loss caused by the victim's intentional act", "loss of the insured's own property", "relevant arbitration and litigation costs" and certain indirect losses caused by accidents, and the scope of protection is much larger. Moreover, regardless of whether the insured vehicle is at fault in the accident or not, the compulsory traffic insurance will compensate within the liability limit, and there is no deductible and no deductible.

Third-party liability insurance refers to an insurance that compensates the property of the third party or pays for the personal injury of the third party due to the negligence of the insured. Third party liability insurance is not mandatory.

Nature: In the past, the vast majority of local ** third-party liability insurance was listed as compulsory insurance, and if you don't buy this insurance, the motor vehicle will not be licensed and can not be inspected annually. After the introduction of compulsory motor vehicle traffic insurance (referred to as compulsory traffic insurance), third-party liability insurance has become non-compulsory.

Because the compulsory liability insurance is relatively low in terms of compensation for the property damage and medical expenses of the third party, the purchase of third-party liability insurance can be considered as a supplement to the compulsory liability insurance.

Hello, car insurance can only buy compulsory traffic insurance and three insurance, compulsory traffic insurance is a mandatory provision of the state to buy after the car can be on the road, if you do not buy by the traffic police caught will be fined or deducted points, three insurance is their own voluntary purchase.

The object of compulsory vehicle insurance + three insurance is the same, which is to pay for the other party or several parties in the accident, and does not include the loss of its own vehicle and the loss of its own vehicle occupants. If it is an old driver on the road or does not go out often, it is suitable to buy in cities with fewer luxury cars, but if it is a novice or a city with many cars, it is not recommended to buy. If the insured vehicle is relatively new, it is not enough to only insure the compulsory traffic insurance and the three insurance, and it is best to add the car damage insurance and seat insurance, and if you feel that the insurance amount of the seat insurance is too low, you can replace it with driving insurance.

Questions. You can't pay for your own car in a traffic accident.

Yes, both compulsory liability insurance and third parties are only insurance for third parties.

Only car damage is to protect yourself.

Questions. Oh, got it, thank you very much.

One. Compulsory traffic insurance is compulsory insurance, and only after purchasing compulsory traffic insurance can you drive on the road. Compulsory traffic insurance is compensation for the loss of the injured party, but the amount of compensation is limited, the maximum is only 10,000 yuan, and the car owner who has purchased car insurance does not compensate for his own losses.

Nowadays, traffic accidents occur frequently, and an ordinary collision and a rear-end collision cannot be solved by one or two thousand. This is where commercial auto insurance comes in.

Two. When it comes to commercial auto insurance, there are 3 that are highly recommended:

The first is: third-party liability insurance, third-party liability insurance is, to put it bluntly, a supplement to compulsory liability insurance, and the amount of compensation is larger than that of compulsory liability insurance. Third-party liability insurance is based on the size of the liability to pay the corresponding compensation, as follows:

1.Take full responsibility, and the liability deductible is 20%.

2.The main responsibility is 15% for the liability deductible

3.Equally responsible, the liability waiver is 10%.

4.Liability is secondarily liable, and the liability deductible odds are 5%.

That is, the insurance company has a certain deductible in the event of an accident.

The second is: car damage insurance.

Car damage insurance is a kind of compensation for the loss of your own vehicle, and the amount of car damage insurance will vary depending on the vehicle type. For car damage insurance, whether it is an old car, or whether it is an old driver or not, it is necessary to buy, no matter how good the driving technique is, there are mistakes, in order to have more protection, in order to travel more at ease, or to buy well.

The third is: deductible is not counted.

The above third-party liability insurance said that the insurance company has a certain deductible in the accident, and if you do not purchase the deductible, then you will not be able to get full compensation. Therefore, if you want to get full compensation, you need to purchase deductible insurance.

OK. Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle damage insurance and third party liability insurance.

Additional insurance includes full vehicle theft insurance (theft insurance), vehicle personnel liability insurance (driver liability insurance and passenger liability insurance), glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, and on-board cargo falling liability insurance. Vehicle suspension loss insurance, new equipment loss insurance, special insurance excluding deductibles, etc. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured.

On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

Question: How much does it cost to strengthen the insurance 13 people to pay 1oo million.

AnswerGenerally speaking, if you buy compulsory traffic insurance, third-party liability insurance, on-board personnel liability insurance, special insurance without deductible, theft insurance, and glass breakage insurance for a car of 1 million, the premium is about 8,450 yuan. Specifically, the compulsory car traffic insurance of 1 million yuan for less than 6 seats needs 950 yuan in the first year, and 1,100 yuan for more than 6 seats; The third-party liability insurance costs about 2,100 yuan; If you choose to insure a seat of 100,000 yuan, then the driver's seat will cost about 410 yuan, plus 1,040 yuan for four passengers, a total of about 1,450 yuan. Car damage insurance costs about 2,500 yuan; The premium of glass breakage insurance** is about 450 yuan; Theft insurance costs about 700 yuan; The premium for special insurance without deductible is about 350 yuan.

Overall, a car of 1 million yuan requires a premium of about 8,450 yuan.

OK. When buying car insurance, you should choose the right car insurance according to your financial strength and the actual local road conditions. Buying commercial insurance allows us to get more comprehensive protection.

The scope of compensation of compulsory traffic insurance is small, only the third party is compensated, and it is divided into liability and non-liability, and the amount of compensation is also subject to a maximum limit. Therefore, for the sake of safety and insurance, it is necessary to buy some commercial car insurance according to your financial strength.

Compulsory insurance for motor vehicle traffic accident liability", must be bought, and you can't go on the road without buying compulsory traffic insurance, that is, if you buy a car without buying compulsory traffic insurance, then the car is bought in vain.

The basic protection of compulsory traffic insurance, the insurance cost is also the lowest. Compulsory traffic insurance is used to protect the third party, and in traffic accidents, the loss of the other party can be compensated by compulsory insurance. Before the reform, the maximum amount of compulsory liability insurance was 10,000, and after the reform, the amount of compulsory liability insurance was increased to 200,000.

However, the amount of compulsory traffic insurance is low, and compulsory traffic insurance can only protect others, not ourselves, so we should also configure some commercial insurance when buying car insurance.

Commercial Insurance: Car Damage Insurance, Third Party Insurance, Deductible Insurance.

Car damage insurance: Car damage insurance is to protect your own vehicle, in the event of an accident, with car damage insurance, when repairing, you can go insurance to pay. As long as you buy car damage insurance, whether you are driving a car or your car is smashed by a tree, you can take car damage insurance to compensate for the loss.

Of course, car damage insurance does not cover all situations, such as vehicle damage caused by extreme circumstances such as **, war, nuclear leakage, etc., car damage insurance does not pay.

Three-party insurance: Three-party insurance is mainly aimed at the loss caused by traffic accidents to third parties, and the third party refers to the person who suffers personal ** or property damage due to an accident of the insured motor vehicle. In fact, compulsory traffic insurance is also a three-way insurance, but the compensation amount of compulsory traffic insurance is low, and there is a big gap compared with the three insurances.

We need to consider the actual economic situation and the local situation when we risk all three. If it is a first-tier city and there are many luxury cars, it is recommended that the amount of insurance for the three should be at least 2 million.

Excluding deductible insurance: The main insurance generally has a deductible odds, that is, when the insurance is out of the insurance, the insurance company has a certain percentage of the insured amount that will not be compensated to the car owner. If the car owner has purchased the deductible liability insurance, the part of the insurance amount and liability that the car owner has to bear is also transferred to the insurance company.