If you buy 300,000 yuan of insurance for the three, and do not count the deductible, you are not afr

Under normal circumstances, 300,000 triple liability insurance (third party liability insurance) and deductibles can be enough to compensate, but it is definitely not afraid of hitting people, for the following reasons:

1. There are many exemption clauses in the three liability insurance, that is to say, when the exemption clause occurs, even if the insured amount is high enough, the insurance company will not pay.

2. Because the principle of compensation of the three liability insurance is to compensate according to the liability. That is, the insurance company can only pay the full amount if the insured pays full liability in the accident; However, if the insured only pays part of the liability in the accident, then the insurance company will only pay according to the proportion of the insured's liability in the accident, and it is by no means the full payment.

3. Some compensation items are not paid in the terms of the three liability insurance. For example, solatium for moral damages. Generally speaking, if the victim is injured and disabled or dies in an injury accident, the victim must pay the victim a solatium for mental damage (commonly known as mental loss expenses), and the insurance company will not compensate for this part of the expenses.

In practice, there will be many special circumstances, and the insurance company will not be able to compensate in full, but can only share the risk of the insured to the greatest extent. Therefore, no matter what type of insurance you insure, you cannot completely avoid the risk of taking risks.

If in Beijing, half of a resident is killed, but if it is a vegetative state, the old and the young, it will be far worse. And there is also the possibility of imprisonment for the death.

Not afraid of hitting people? If you hit someone to death, 300,000 may be about the same, if you hit half dead, I don't think even the medical expenses are enough, or be careful to sail the 10,000-year-old ship.

Yes. If there is a change at a certain time and under certain conditions, the insurance company should pay for the change in the identity of the third party outside the insured vehicle rather than the driver. Definition of a third party in a traffic accident under the current law:

Article 17 of the 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 (hereinafter referred to as the "Interpretation") stipulates that: "Where the insured suffers damage due to the driving of a motor vehicle by a driver permitted by the policyholder, and the party requests the insurance company that underwrites the compulsory traffic insurance to compensate within the limit of liability, the people's court shall support it, unless the insured is a person on the vehicle." ”

As long as you have the deductible option, the insurance company will pay the claim as a unilateral accident.

The loss of their own vehicles and personnel**, and the compulsory traffic insurance are not claimed.

If you drive a car and hit the theoretical listing can not be compensated, the type of insurance you buy is compulsory traffic insurance and the three insurances belong to the third party, the so-called three is the policyholder, the insured vehicle is the first person.

The occupant of the car is the second person.

The other traffic participants are third parties, and your insurance does not involve a third party, so you cannot make a claim. The people and things you bump into. Claims are available.

No compensation. In the event of an accident, the compulsory liability insurance will compensate others first, and the three liability insurance will not be enough to supplement.

If a unilateral accident or a two-party accident occurs and the party is fully responsible, the loss of your vehicle needs to be compensated by car damage insurance, and the injury of the people in your car requires driver and passenger insurance to compensate.

Therefore, when buying car insurance, it is necessary to understand the functions of the insurance type and purchase the most commonly used insurance types.

If you don't have car damage insurance, the insurance company won't pay for it.

Compulsory traffic insurance refers to the compulsory liability insurance that the insurance company compensates within the liability limit for the personal and property losses of the victims other than the insured and the insured caused by a road traffic accident of the insured motor vehicle, so it does not include the person. The three-party insurance is to cause the third party to suffer personal ** or property losses, excluding the person in the car, the policyholder, and the insured. Therefore, I don't think I can afford to lose.

Unless there is car damage insurance, as long as there is car damage insurance, as long as it is not the driver's intentional act, the insurer is generally responsible for the damage caused by the collision, regardless of whether the driver is at fault or not.

If you hit it with your own car, it is a car damage, and if you don't have it, you won't pay for it.

In the event of an injury, you don't need to pay all the medical expenses in advance, just pay a part in advance when you are hospitalized, and the rest of the expenses will be shirked and there is no money to raise money. We can follow the example of textbook laissez-faire and do not visit, advance money, or mediate. Let the injured person's family advance their own money, and when they are discharged from the hospital, let the injured person go to the court to sue you and the insurance company, and then there will be a lawyer from the insurance company to appear in court with you, and the court will not care about self-financed drugs or medical insurance drugs, all medical expenses including nursing expenses, transportation expenses, accommodation expenses, nutrition expenses, etc., the court will fully support the payment, and the insurance company will bear all the judgments, including the money you advance, if you do not pay the insurance company's account, only the litigation fees and disability appraisal fees will be borne by you.

In the event of a personal injury, Tang Yan, you don't need to pay all the medical expenses in advance, just pay a part in advance when you are hospitalized, and send Wu Fan to shirk the rest of the expenses and raise money. We can follow the example of textbook laissez-faire and do not visit, advance money, or mediate hail. Let the injured person's family advance their own money, and when they are discharged from the hospital, let the injured person go to the court to sue you and the insurance company, and then there will be a lawyer from the insurance company to appear in court with you, and the court will not care about self-financed drugs or medical insurance drugs, all medical expenses including nursing expenses, transportation expenses, accommodation expenses, nutrition expenses, etc., the court will fully support the payment, and the insurance company will bear all the judgments, including the money you advance, if you do not pay the insurance company's account, only the litigation fees and disability appraisal fees will be borne by you.

This means that the insurance company will compensate in full.