How to calculate the premium of third party liability insurance, how to calculate the premium of thi

1. Compensation standards for the third liability insurance.

1. In the event of a third-party liability accident of the insured vehicle, it shall be handled in accordance with the scope, items and standards of compensation stipulated in the current Measures for the Handling of Road Traffic Accidents in China and the provisions of the insurance contract.

2. The amount of compensation shall be determined according to the liability limit specified in the insurance policy.

When the amount of compensation payable by the insured according to the proportion of accident liability exceeds the liability limit.

Indemnity = Limit of Liability (1 - Free Odds).

When the amount of compensation payable by the insured in proportion to the accident liability is less than the liability limit.

Indemnity = Liability amount (1 - deductible odds).

3. The amount of compensation promised or paid by oneself refers to the compensation that does not comply with the scope, items and standards of compensation stipulated in the Measures for the Handling of Road Traffic Accidents and the provisions of the insurance contract, and is agreed to be borne or paid by the insured without the consent of the insurer in advance.

Second, the third liability insurance deductible standard.

1. The deductible for full liability is 20%, the deductible for primary liability is 15%, the deductible for equal liability is 10%, and the deductible for secondary liability is 5%.

2. If the safety loading regulations are violated, the free odds will be increased by 10%.

Hello! The maximum amount of third-party liability insurance is divided into grades, which is determined by the policyholder and the insurance company through negotiation at the time of application. Generally speaking, the higher the sum insured, the more premiums you should pay.

Commercial Third Party Liability Insurance Written Premium = Base Premium Multiplied by the applicable coefficient in the corresponding rate coefficient table.

Third-party liability insurance is to compensate the insured vehicle for the direct loss of personal life or property suffered by the third party due to an accident. Its maximum compensation limit is the basis for the insurer to calculate the insurance premium, and it is also the maximum limit for the insurer to bear the compensation amount of each accident of the third-party liability insurance.

Calculation method of third party liability insurance: 1. Third party liability insurance.

and the nature of your vehicle, the amount of insurance insured.

and the channel of insurance; 2. Ordinary family cars (less than 6 seats) are insured with a third-party liability insurance amount of 500,000 yuan, and the fixed cost for one year is 1,721 yuan, which is then multiplied by the discount range of the insurance company for cover calculation. The cost is also different for different purchase channels; 3. The premium calculation of the third-party liability insurance has nothing to do with the purchase price of the vehicle, as long as the car owner according to the rate table, he can get a fixed rate, and then multiply the discount range of the insurance company after the reputation is rolled, which is the final premium amount. That is, BMW.

The premiums paid with QQ may also be the same; 4. Commercial three liability insurance** varies due to different insurance companies and different channels, and the specific amount depends on the corresponding level of the maximum compensation limit: the premium also changes from low to high. Millions of car purchase subsidies.

Third Party Liability Insurance.

Premium calculation methodWhen the amount of compensation payable by the insured according to the proportion of accident liability exceeds the liability limit, the compensation is equal to the liability limit multiplied by 1 reduction odds.

If an accident occurs during the use of the insured vehicle by the insured or its permitted driver, resulting in direct damage to the person or property of a third party, the insured shall bear the economic responsibility according to law, and the insurance company shall be responsible for compensation.

If the insured causes damage to a third party, and the insured's liability for compensation to the third party is determined in an arbitrary manner, the insurer shall, at the request of the insured, directly compensate the third party for the insurance money. If the insured fails to make a request, the third party has the right to directly claim compensation from the insurer for the part of the compensation to be paid. If the driver is designated, the insured shall truthfully inform the designated driver of the relevant information, including the driver's name, gender, age, quasi-driving type, and initial driver's license.

Time, ID card.

or other valid ID numbers, etc. If an insured accident occurs in the insured vehicle of the designated driver driven by a non-designated driver, or the information of the designated driver provided by the policyholder is untrue, the absolute deductible odds of 10% will be increased when the compensation is made.

A driver permitted by the insured person is a driver's license.

of the insured person, their spouse and their immediate family members.

or an employee of the Insured, or the driver of the insured vehicle for the purpose of performing work assigned by the insured, or the insured has a commercial lease relationship with the driver of the insured vehicle. Qualified means that the above-mentioned drivers must hold a valid driver's license and the vehicle they are driving is consistent with the type of permitted driving specified in the driver's license. Only the driver who meets both the permitted and qualified conditions will be compensated when the insured vehicle is used in an insured accident and causes losses.

Insurers need to be incorporated in accordance with the law, and their operations are limited to a certain geographical area and business scope. Cross-regional operation or over-scope operation.

will lead to the reduction of the effectiveness of the insurance contract. The "underground insurance policies" and "hollow insurance policies" that appear in some places are the phenomena of insurers not engaging in business in accordance with the law.

The third party of automobile insurance, also known as commercial third party liability insurance, is a type of insurance that compensates for the loss of a third party in an accident on the basis of compulsory traffic insurance. The Road Traffic Law stipulates that vehicles on the road must purchase compulsory traffic insurance, and compulsory traffic insurance can only compensate for the losses of the other party after the occurrence of traffic accidents between two parties (or parties) (vehicle accidents on both sides, no one is injured, and the losses of both are below 2000, and the responsibility is not disputed and can be used to compensate each other with compulsory traffic insurance), and compulsory traffic insurance can be said to be "no responsibility for training" and "responsibility must be compensated", that is, there is no responsibility for compensation: property loss 100, medical injury 1000, death and disability 10000, If you are responsible (whether you are primarily or secondarily responsible or equally responsible) 2,000 for property damage, 10,000 for medical injuries, and 100,000 for death and disability.

When a major traffic accident occurs, because of the limitation of the compensation limit of compulsory traffic insurance, it is often not enough to compensate for the loss of a third party, so there is a commercial third-party liability insurance, which is divided into insurance amounts to purchase, including 100,000, 200,000, 500,000, and 1 million, which are used to compensate for the property damage or personal injury of a third party. When a commercial third party pays compensation, it is "compensation according to liability", that is, 70% of the primary liability is paid, 30% is paid for secondary liability, and 50% is paid for the same liability.

What is insured: What exactly does the three insurances cover?

The full name of the three insurances is: motor vehicle third party liability insurance.

Official explanation: During the insurance period, if the insured or its permitted driver has an accident in the process of using the insured motor vehicle, resulting in direct damage to the person or property of the third party, the third party shall be liable for damages in accordance with the law. In short, let's talk about which ones to protect:

Collision with pedestrians, personal belongings, collision with vehicles and damage to other people's vehicles (and injuries to other people's vehicles, damage to items in the vehicle), and collisions with public property (guardrails, etc.) are all covered by the three insurance.

Next, let's break down the official definition to make it easier to digest.

1. Look at the object.

In addition to the owner of the car (insured), spouses, friends, immediate family members, employees, and people who rent a car must drive with the permission of the car owner (insured).

In addition, the person driving the car must have a valid regular, valid driver's license. In addition, the type of driver's license must match the model of the car you are driving. Look at the object - who is the "third party"?

The insurance company is the first, and the insured vehicle (i.e. our own car) is the second.

A person who suffers personal or property damage due to an accident in our own car is a third party.

Note! The following are not "third parties":

All persons (whether drivers or passengers) and property in our own vehicles, including those who disembark abnormally while the vehicle is in motion or when the vehicle is not stationed.

So please listen to the question, does the following belong to the "third party" stipulated in the "three insurance"?

a girlfriend sitting in the co-pilot and a dog sitting in the back seat;

Answer: No!

Okay, so if the above conditions are met, how should I pay for it?

2. What is the compensation: how to calculate the compensation amount of the three insurance?

Is it true that if the above conditions are met, the insurance company will be able to pay us a full compensation?

No, no, no, it's not that simple.

In the following three cases, the insurance company chooses not to pay.

1. The part exceeding the insured amount - self-expense.

After purchasing, you will be required to compensate a third party for losses in the event of an accident. The insurance company will pay you according to the amount you buy.

If you want to lose more money than you bought, then the excess can only be paid for by yourself

2. Absolute free odds.

In order to reduce the premium when buying car insurance, some car owners may attach a special clause with absolute free odds, so when paying compensation, you also need to consider the issue of absolute free odds!

Are you talking about how the premium is calculated? Depending on the indemnity limit of the insurance you want to purchase. The insurance company decides the premium most depending on your nature.

The premium of property insurance is generally negotiable and negotiable.

Summary. 1. If the amount of compensation for the third party exceeds the compensation limit, the insurance company shall compensate according to the liability limit, and the party at fault shall bear supplementary liability; 2. If the amount of compensation for the third party is lower than the compensation limit, the insurance company will pay the full amount of the third party liability insurance.

1. If the amount of compensation for the third party exceeds the compensation limit, the insurance company shall compensate according to the liability limit, and the party at fault shall bear supplementary liability; 2. If the amount of compensation for the third party is lower than the compensation limit, the insurance company will pay the full amount of the third party liability insurance.

Hello: I said how to calculate the premium? Afraid of pits.

Third-party liability insurance: 200,000 yuan for insurance claims, fixed premium of 952 yuan = 952 yuan.

The premium is fixed.

What about 1 million?

Is there a difference between a self-use car and a business car?

The base premium is 1650 and the specific insurance company will vary a little bit, but it won't be too big.

Of course there is a difference.

I guarantee the operation. The starting price of the operating car premium is basically about 10,000 yuan.

And more than 3,000 at home will reach the top.

I keep 5 seats dd

Less than 7 seats. Protection-like?

It doesn't really matter much, it is.

Passenger passenger liability insurance is also required for such commercial vehicles.

This one comes by seat.

You buy operating car insurance as high as possible and all-risk don't save money.