Under what circumstances, the compulsory traffic insurance does not cover compensation and advances

Friendly reminder: in the case of complete vehicle insurance, most of the losses caused by traffic accidents can be compensated by the insurance, although hit-and-run can still be compensated within the limit of compulsory traffic insurance, but part of the loss beyond the compulsory insurance can not be compensated by the insurance company, at the same time, hit-and-run faces serious administrative and criminal penalties. Therefore, I need to explain to you that:

After a traffic accident, regardless of whether you have insurance or not, you should immediately stop the car, call the police, protect the scene, and rescue the injured. Don't choose to escape, actively cooperate with the investigation of the first class, and have the courage to take responsibility, escape is ultimately unable to escape the legal responsibility. 1. In accordance with Article 22 of the Compulsory Regulations on Motor Vehicle Traffic Accident Liability and Article 9 of the Compulsory Insurance Provisions for Motor Vehicle Traffic Accident Liability:

In any of the following circumstances, the insurance company shall pay the rescue expenses in advance within the scope of the compulsory insurance liability for motor vehicle traffic accident liability, and shall have the right to recover compensation from the victim: the driver has not obtained driving qualifications or is drunk, the insured motor vehicle is stolen and robbed during the accident, and the insured intentionally causes a 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 10 of the Compulsory Insurance Clause for Motor Vehicle Traffic Accident Liability stipulates that the compulsory traffic insurance shall not be responsible for compensation and advance payment for the following losses and expenses: (1) traffic accident losses caused intentionally by the victim; (2) the property owned by the insured and the property on the insured motor vehicle; (3) Indirect losses such as water and power outages caused by traffic accidents; (4) Arbitration or litigation costs and other related expenses arising from traffic accidents.

It can be seen that the legislative principle of compulsory traffic insurance is to ensure that the victim receives compensation in accordance with the law. Hit-and-run is not an exception set out in the regulations and regulations, so losses within the limits of the compulsory liability insurance can be claimed.

2. Commercial insurance will not compensate. According to the sixth paragraph of the liability exemption in Article 6 of the third-party liability insurance contract for commercial motor vehicles, "after the accident, the insured or the driver allowed by the insured to drive the insured motor vehicle or abandon the insured motor vehicle to flee the scene of the accident without taking measures in accordance with the law, or deliberately destroy, falsify the scene or destroy evidence."

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What are the legal provisions on compulsory liability insurance? In the event of a traffic accident, under what circumstances will the compulsory traffic insurance not be compensated? Traffic accident professional lawyer team - Wang Ningning will answer for you. (**Duration: 2 minutes and 18 seconds).

In the compulsory traffic insurance, it is not responsible for compensation and advance payment

1. The driver has not obtained driving qualifications.

2. The driver is intoxicated.

3. The accident was caused during the theft and robbery of the insured motor vehicle. The disadvantages are known.

4. Traffic accidents deliberately created by the insured.

On the first floor, it is said that it is the liability exemption of compulsory traffic insurance.

Extended reading: [Insurance] How to buy, which is better, teach you how to rent and avoid insurance"pits"

1. Compulsory traffic insurance is not responsible for compensation and advance payment: (1) The victim deliberately causes the damage and loss of the traffic accident; (2) Losses to the property owned by the insured and the property on the insured motor vehicle; Shenghe.

1) Losses caused by traffic accidents intentionally caused by the victim;

2) The property owned by the insured and the property on the motor vehicle of the insured;

3) Losses caused by traffic accidents involving the insured motor vehicle, resulting in the victim's suspension of business, driving, electricity, water, gas, production, communication or network interruption, data loss, voltage changes, etc., as well as other indirect losses caused by the depreciation of the victim's property due to market changes, losses caused by the reduction in value after repairs, and so forth;

4) Arbitration or litigation costs and other related expenses arising from traffic accidents.

The Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability stipulate that all motor vehicles driving on the road must be insured with compulsory traffic insurance.

In the compulsory traffic insurance, it is not responsible for compensation and advance payment

1. The driver has not obtained driving qualifications.

2. The driver is intoxicated.

3. The accident was caused during the theft and robbery of the insured motor vehicle. The disadvantages are known.

4. Traffic accidents deliberately created by the insured.

On the first floor, it is said that it is the liability exemption of compulsory traffic insurance.

Extended reading: [Insurance] How to buy, which is better, teach you how to rent and avoid insurance"pits"

Legal analysis: 1. The loss of traffic accident caused by the victim's intention. 2. The property on the insured motor vehicle and other property of the insured and the losses suffered.

3. Losses caused by traffic accidents of the insured motor vehicle, resulting in the suspension of business and production of the victim, as well as other indirect losses caused by the depreciation of the victim's property due to market changes, losses caused by the reduction of value after repair, etc. 4. Arbitration, appraisal or litigation costs and other related expenses incurred due to air fiber traffic accidents.

Legal basis: "Compulsory Insurance Clause for Motor Vehicle Traffic Accident Liability" Article 8 In the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), if the insured suffers a traffic accident in the course of using the insured motor vehicle, resulting in personal or property losses to the victim, the insurer shall be liable for damages borne by the insured in accordance with the provisions of the compulsory traffic insurance contract within the following compensation limits

1) The compensation limit for death and disability is 110,000 yuan;

2) The compensation limit for medical expenses is 10,000 yuan;

3) The compensation limit for property damage is 2,000 yuan;

4) When the insured is not liable, the compensation limit for death and disability without liability is 11,000 yuan; The compensation limit for non-liability medical expenses is 1,000 yuan; The compensation limit for non-liability property damage is 100 yuan.

1. Compulsory traffic insurance is not responsible for compensation and advance payment (1) Losses caused by traffic accidents intentionally caused by the victim; (2) the property owned by the insured and the property on the insured motor vehicle; (3) Losses caused by traffic accidents involving the insured motor vehicle, resulting in the victim's suspension of business, driving, electricity, water, gas, production, interruption of communications or land-based networks, loss of data, voltage changes, etc., as well as losses caused by the depreciation of the victim's property due to market changes, losses caused by the reduction of value after repair, and other indirect losses; 4) Arbitration or litigation costs and other related expenses arising from traffic accidents. 2. The traffic force cover Wang Qing Insurance is responsible for the advance payment of the medical program, and is not responsible for the compensation and advance payment for other losses and expenses (1) The driver has not obtained the driving qualification; 2. The driver is intoxicated. 3. The accident was caused during the theft and robbery of the insured motor vehicle. (4) The insured intentionally causes a traffic accident. *The insurer has the right to recover from the victim for the salvage expenses paid in advance.