If there is a car accident and there is compulsory traffic insurance and commercial insurance, is it

Generally speaking, when both parties to the car insurance claim accident claim, they will first make a compulsory insurance claim, and when the amount of the claim exceeds the insured amount of the compulsory traffic insurance, the third-party liability insurance of the commercial insurance will make the claim. At the same time, if both parties have damage to their vehicles in the accident, they will use the car damage insurance of commercial insurance to make a claim, so the specific insurance is better to judge according to the actual situation. In addition, it should be noted that the compulsory traffic insurance will affect the premium of the second year, because the compulsory traffic insurance is based on the history of the vehicle to implement a double-linked mechanism, as long as there is an accident record, or there is a drunk driving and other illegal driving behavior of the vehicle, in the next year the compulsory traffic insurance rate will rise, but the vehicle with a good record can enjoy a certain preferential rate when renewing the insurance.

The insurance reporting process after a traffic accident

1. After an accident, if someone is injured and needs help, be sure to call 120 and 122 as soon as possible. At the same time, it is necessary to turn on the hazard warning flashers immediately, and if an accident occurs at night, the marker lights and rear tail lights should also be turned on. If it is not possible to leave the scene, a warning sign such as a reflective sign should be installed 50 to 100 meters (150 meters on the expressway) in the direction of entry to prevent the recurrence of dangerous accidents.

Second, inform the insurance company in a timely manner to report, after receiving the report, the insurance company will arrange the surveyor to assist in the on-site processing work, and the investigator will prompt you to provide what claim materials you need to provide (generally including the claim application, driving license, driver's license, accident liability determination, compensation certificate, car repair invoice, party compensation agreement and other materials, the specific materials should be subject to the requirements of the surveyor), these materials are required to be submitted to the insurance company for claim in time after the accident is handled.

3. If the property loss assessment of the insurance company is not recognized, it can apply to the assessment agency to verify the property loss before the vehicle is repaired; If the assessment of the assessment of the assessment is still not recognized, it may request the higher level of the assessment agency to re-assess the loss; If the insurance company's loss assessment or re-assessment is not recognized, it may apply for arbitration or file a lawsuit with the people's court in accordance with the law.

4. After the accident is handled, submit the claim materials according to the requirements of the insurance company. After receiving the claim materials, the insurance company will complete the approval work as soon as possible in accordance with the process and notify the approval result in a timely manner.

5. When receiving compensation, you need to bring your ID card, and if you entrust others to collect it, you need to provide a written power of attorney, as well as the ID cards of the principal and the entrusted person. The compensation can be paid through online banking, and you only need to provide the information of the bank card and fill in the authorization letter when making a claim, and the compensation will be transferred to the designated bank card account in time after the claim is completed.

In fact, there are many kinds of car insurance, although each type has its own courseware, but the overall standard of compensation is also different, because sometimes there are accidents, the car encounters a lot of problems, so according to each situation, the insurance will also have corresponding compensation.

1. Compulsory traffic insurance.

The general term of compulsory traffic insurance is compulsory insurance for motor vehicle traffic accident liability.

This insurance is provided by the insurance company against the insured motor vehicle in the event of a road traffic accident.

Caused by the victim's personal and property losses, generally within the liability period to compensate for the compulsory liability insurance, the insurance is China's first compulsory insurance system implemented by national laws, the premium is the implementation of the national unified charging standards, by the national unified provisions, but different car models of compulsory insurance is also different, is affected by the number of car seats, <>

2. Commercial insurance.

Commercial insurance is also known as vehicle commercial insurance, it is actually a kind of insurance, is to add a protection to private cars, generally including the third liability insurance, this insurance is not compulsory to purchase by the national unified regulations, and the insurance insured and its permitted drivers in the use of the insured vehicle in the process of accidents, resulting in a third party suffering personal or property direct losses, then the insurance company will be responsible for compensation for the economic responsibility that should be borne by the insured according to law. This is also a type of commercial insurance, of course, there is theft insurance, vehicle personnel liability insurance.

Vehicle Loss Insurance, Body Scratch Loss Insurance, Spontaneous Combustion Loss Insurance, Glass Breakage Insurance, excluding deductible insurance.

and so on are all commercial insurance.

Class. <>

3. In the event of an accident, which insurance is better.

Of course, after the car has an accident, in fact, according to the insurance payout, generally speaking, if there are corresponding injuries to the outside of the body and themselves, then commercial insurance must be much better, after all, commercial insurance includes third-party liability insurance.

and other loss insurance outside the car, and the compulsory traffic insurance is basically mainly from the personal ** and property damage compensation, so the difference between the two is here, of course, to say that the protection may be slightly better than the protection of the compulsory traffic insurance, because it is mandatory by the state, and the vehicle commercial insurance is slightly behind, but both will pay, but the compensation standard is different.

Compulsory traffic insurance is better. In this way, you will give yourself a particularly good compensation, and you can also compensate yourself for a lot of money.

Of course, it is better to take commercial insurance, because the amount of compensation paid by compulsory traffic insurance is actually very low, and if the accident is more serious, it is best to take commercial insurance.

Summary. Dear, we're answering your <>

Is it better to take commercial insurance or compulsory insurance, dear, it will be better to take commercial insurance for car insurance, compulsory insurance must be paid, and commercial insurance also needs to be purchased. 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 victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit. <>

Is it better to take commercial insurance or compulsory traffic insurance?

Dear, we're answering your <>

Is it better to take commercial insurance or compulsory insurance, dear, it will be better to take commercial insurance for car insurance, compulsory insurance must be paid, and commercial insurance also needs to be purchased. The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the insured motor vehicle to compensate the victim (excluding the vehicle personnel and the insured person for the insurance company) within the liability limit for the victims (excluding the vehicle personnel and the insured insurer) caused by road traffic accidents. <>

Kiss, vehicle commercial insurance, is a kind of insurance, is to add a protection to private cars. Vehicle Reputation Loss Insurance is responsible for compensating for the loss of the vehicle itself due to natural disasters and accidents. This is one of the most important types of car insurance.

It doesn't cost much, but you can get a lot of protection. Generally speaking, for imported cars and domestic cars, if the age is not too long, or the driver's skills or driving habits cannot provide a higher guarantee for the safety of the vehicle, it is best to buy this insurance. If you don't insure this type of insurance, you have to pay for the repair costs after the vehicle collision, which may be a few dusts and thousands, tens of thousands or even hundreds of thousands of dollars.

Legal analysis: If a traffic accident causes death to a third party, the compulsory traffic insurance will pay in advance. When the sub-indemnity limit of the compulsory liability insurance is insufficient to compensate for the loss of the third party, the commercial third-party insurance shall be used for supplementary compensation, and the insured amount of the insurance shall be capped at the amount of insurance selected at the time of application.

Unilateral accidents do not involve a third party, and are not applicable to compulsory traffic insurance and commercial third party insurance.

Legal basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases of Compensation for Damages in Road Traffic Accidents Article 18 Where a traffic accident involving multiple motor vehicles causes damage to a third party, and the loss exceeds the sum of the liability limits of the compulsory traffic insurance of each motor vehicle, the insurance companies shall be liable for compensation within the limits of their respective liability limits; Where the losses do not exceed the sum of the liability limits of the compulsory motor vehicle insurance, and the parties request that the insurance companies bear the liability for compensation in accordance with the proportion of the sum of their liability limits and liability limits, the people's court shall support it.

In accordance with the law, if a traffic accident occurs when the tractor and trailer are connected and used by the tractor and trailer separately insured by compulsory traffic insurance, and the party concerned requests that the insurance companies compensate equally within their respective liability limits, the people's court shall support it.

Where a traffic accident involving multiple motor vehicles causes damage to a third party, and some of the motor vehicles are not insured with compulsory traffic insurance, and the parties request that the insurance company that has underwritten the compulsory traffic insurance first compensate them within the limits of liability, the people's court shall support it. The people's court shall support the insurance company's exercise of the right of recourse against the insurance obligor or infringer who has not taken out compulsory traffic insurance for the part that it should bear.

Legal analysis: if an individual has a traffic accident, need to report to the insurance company, then first of all, to determine which insurance company the individual has purchased, if the personal compulsory insurance and commercial insurance is the same insurance company, then regardless of the order, only need to report to the insurance company, the insurance company will dispose of it by itself, if the purchase of compulsory traffic insurance and commercial insurance do not belong to an insurance company, then according to the accident liability to determine the cost of maintenance to choose insurance for declaration. Compared with commercial insurance, the cost of compulsory liability insurance is appropriately lower, and the amount and scope of compensation of commercial insurance are larger than that of compulsory liability insurance.

According to the principle of pragmatism, if the compulsory traffic insurance can deal with the traffic accident, then it is more cost-effective to report the compulsory traffic insurance first, and if the compensation cost and amount of the compulsory traffic insurance are not enough to compensate, then commercial insurance needs to be used.

Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

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, the insurance company shall not be liable for compensation for the property damage 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.

Summary. Hello, after an accident, you must first take compulsory traffic insurance before you can take commercial insurance. You can't bypass the compulsory traffic insurance and go directly to the commercial insurance.

Hello, after an accident, you must first take compulsory traffic insurance before you can take commercial insurance. You can't bypass the compulsory traffic insurance and go directly to the commercial insurance.

That is to say, in the event of a traffic accident, you report to the insurance company, and the compulsory traffic insurance will first compensate, and after the compulsory traffic insurance compensation, if the compensation amount is still insufficient, it will be changed to the third party liability insurance of the commercial insurance, as well as the car damage insurance.

Therefore, in the event of a traffic accident, if you report to the insurance company, you must take compulsory traffic insurance, and then take commercial insurance, and conceal and your insurance record will affect the premium of the second year.

Regardless of whether it is a major traffic accident or a small accident, after a traffic accident, the compulsory traffic insurance is taken first, and the commercial insurance is only taken when the compulsory traffic insurance is insufficient to compensate.

Legal basis: Article 1208 of the Civil Code of the People's Republic of China If a motor vehicle causes damage due to a traffic accident, it shall be liable for compensation in accordance with the Road Traffic Safety Law and the relevant provisions of this Law.