What is a no liability claim, an example of the intelligence bureau illustrates

In the case where the "mutual collision self-compensation" is not applicable, the solution to the unilateral full liability accident can refer to the "simplified treatment mechanism for non-liability compensation for property loss of compulsory traffic insurance" introduced by the insurance industry before, that is, no liability compensation. The method is:The insurance company of the fully responsible party shall investigate and assess the damage to the vehicles of both parties to the accident, and for the vehicle damage that should have been borne by the non-responsible party compulsory traffic insurance, the insurance company of the fully responsible party shall compensate for the damage within the compensation limit of the non-liability property loss of the compulsory traffic insurance。"Mutual collision and self-compensation" is actually an upgraded service model that further simplifies the claim process and procedures for accidents for which all parties in the accident are responsible.

If two or more motor vehicles collide with each other, all parties are insured with compulsory traffic insurance;

The traffic police determine or can negotiate to determine the responsibility for the accident according to laws and regulations, and some are responsible and some are not responsible.

The car number of the non-responsible party and the insurer of the compulsory traffic insurance are clear.

If there is a loss of personnel in a traffic accident, the insurance company of the responsible party will not compensate for it in principle, and the insured of the non-responsible party or its authorized representative shall still claim compensation from the insurance company.

After the occurrence of a traffic accident between two or more parties, if there is no responsible party, the non-responsible party also has the liability and limit under the compulsory traffic insurance, such as the collision of two vehicles, car A is fully responsible, car B is not at fault, car A repairs 1,000 yuan, car B repairs 1,000 yuan, and the compensation limit for property damage under compulsory traffic insurance is 2,000 yuan, and no liability is 100 yuan. Then the compulsory traffic insurance company of car A should pay 1,000 yuan to car B, and the compulsory traffic insurance company of car B should pay 100 yuan to car A, but for the sake of simplicity, the insurance company of car A will pay 100 yuan on behalf of car A. That is, in the end, the compulsory traffic insurance of car A will pay 1,000 yuan, the compulsory traffic insurance will pay 100 yuan without liability, and the commercial insurance company (body loss insurance) of car A will compensate 900 yuan.

In the case of no liability for compulsory traffic insurance, if the other party has property loss, the insurance company of the responsible party can compensate the insurance company of the non-responsible party with 100 yuan on behalf of the insurance company of the non-responsible party with the copy of the compulsory traffic insurance provided by the owner of the car of the non-responsible party; This is called non-liability compensation, which is operated by the responsible insurance company itself, and does not require the consent of the non-responsible insurance company and the car owner.

There are several conditions for non-liability compensation: first, the subject matter is damaged, second, the party responsible for the collision accident is fully responsible, the other party is not liable, and the third party must have compulsory traffic insurance. The essence is that the other party's insurance company should pay 100 yuan for our property loss, and our insurance company will pay for it.

To put it simply, if the owner of the car is found to be the non-responsible party in a traffic accident, then the insurance company he is insured will not compensate him for his losses.

Hello The meaning of the insurance company's non-liability compensation is as follows, and the non-liability compensation is a simplified processing mechanism for compulsory traffic insurance. That is, two or more motor vehicles collide with each other, and the liability for compensation for the loss of the vehicle of the fully responsible party shall be borne by the non-responsible party compulsory traffic insurance, and the insurance company of the fully responsible party shall compensate under the compulsory traffic insurance of this party.

People in the legal profession believe that"No liability"It is an industry practice that has no legal basis.

In a traffic accident, as long as one party is found to be fully responsible, the non-responsible party can claim compensation for all losses caused by the accident. After the fully responsible party compensates, if the compensation limit is within 2,000 yuan, it can make a claim to the compulsory traffic insurance company.

Extended information: Information to be provided when making a no-liability claim in car insurance:

1. The bill of submission of both parties.

2. A copy of ID card.

3. Compulsory traffic insurance policy.

4. Loss assessment order.

5. Invoices and lists.

6. Accounts. Features of car insurance: Motor vehicle insurance generally pays for repairs, but if the vehicle reset** is cheaper than the cost of repair, the insurance company is likely to claim that the car is a total loss.

Generally speaking, the amount of motor vehicle insurance is the purchase of a new car** or the value of the vehicle at the time of insurance, but the vehicle is in use.

Compensation without liability is the solution to unilateral and full liability accidents. The insurance company of the fully responsible party shall investigate and assess the damage to the vehicles of both parties to the accident, and the insurance company of the fully responsible party shall compensate for the vehicle damage that should have been borne by the non-responsible party within the compensation limit of the non-liability property loss of the compulsory traffic insurance.

"No liability for compensation" premise: both parties buy compulsory insuranceIt is an industry practice that has no legal basis.

For example: 1 and 2 have a car accident, 1 is insured in insurance company A and 2 is insured in insurance company B, and 1 is fully responsible, then 1 can ask insurance company A to come forward, and all insurance companies A will compensate both parties for car damage! 2. There is no need to call insurance company B!

Precautions for non-liability compensation for motor vehicles.

In the case of non-liability compensation, both the insured motor vehicle and the non-responsible vehicle must be assessed, and if there is no loss, 0 shall submit the damage assessment; When adjusting, the three vehicles are not responsible for the system control to choose their insurance companies (if the license plate number is inconsistent with the actual license plate number after receiving the report, the actual license plate number should be entered when investigating and assessing the damage); During the adjustment, manually add the "no liability compensation" item under the "compensation property information" compulsory traffic insurance and enter the amount of no liability compensation, and the system controls the amount of no liability compensation = min (the loss of the car, 100 * the number of non-responsible parties and the number of responsible parties). The relevant information of the non-liability compensation will be uploaded to the industry association's compulsory traffic insurance data platform.

The following questions are more prominent and are now answered: 1What should I do if a non-motor vehicle (which does not need to be insured by compulsory insurance) is assessed under the vehicle damage assessment, and there is no need to make a non-liability claim, and the system control must be entered into the insurance company?

Answer: Non-motor vehicles (do not need to be insured by compulsory insurance) please assess the damage under the property assessment, do not assess the damage under the vehicle assessment, this kind of problem does not exist. Non-motor vehicles (those who do not need compulsory insurance) have been assessed under the vehicle damage assessment, entered into the insurance company for our company, and then generated a calculation report.

Because there is no liability for compensation, the relevant information will not be uploaded to the data platform of the industry association, and there will be no problems. 2.There is no loss of the three vehicles, and the vehicle damage assessment task is cancelled, and no compensation can be made without liability, what should I do?

Answer: The vehicle must be damaged if there is no liability, and 0 must be submitted if there is no loss. If you have reached the adjustment link, you can adjust the return documents, restore the damage assessment of the three cars, and then 0 submit the loss assessment, and then choose its insurance company to be free of liability when adjusting.

The deductible means that you pay 100 yuan yourself, and the insurance company will pay for the excess deductible.

The simplified treatment mechanism for non-liability property compensation (hereinafter referred to as "non-liability compensation") is a way to simplify the processing process of compulsory liability insurance. For accidents involving two or more parties that meet the following conditions at the same time, "no liability compensation" applies:

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

In the case of a collision between two or more motor vehicles, the liability for the loss of the vehicle of the fully liable party shall be compensated by the insurance company of the fully responsible party under the compulsory traffic insurance of the whole party.

According to Article 23 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, compulsory insurance for motor vehicle traffic accident liability implements a uniform liability limit nationwide. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

The liability limit of compulsory insurance for motor vehicle traffic accident liability shall be prescribed by the insurance supervision and administration agency in conjunction with the public security department, the health department and the agriculture department.

In the event of a traffic accident involving a motor vehicle, if the traffic police determine that you are not responsible for the accident, in this case, the loss caused by the accident shall be borne by your insurance company within the compensation limit of the compulsory traffic insurance (the compensation limit for medical expenses is 1,000 yuan, the compensation limit for death and disability is 11,000 yuan, and the compensation limit for property damage is 100 yuan), and you do not need to bear the liability for compensation.

In the case of compulsory traffic insurance, if the other party has property loss, the insurance company of the responsible party can compensate the responsible party with a copy of the compulsory traffic insurance provided by the owner of the car of the non-responsible party on behalf of the non-responsible party insurance company to the responsible party; This is called non-liability compensation, which is operated by the responsible insurance company itself, and does not require the consent of the non-responsible insurance company and the car owner.

A is not responsible, B is fully responsible, and there is no accident of personnel ** (just the loss of the car). Party A, who is not responsible, should pay 100 yuan to party B, and according to the regulations, the 100 yuan should be compensated by B's insurance company instead of A's insurance company to car B.

The current situation is generally between insurance companies, and it rarely happens that the insured has to bear it.

No liability for compensation, now there is no need for the non-responsible party to pay, only car B needs to provide a compulsory traffic insurance policy to party A, and the insurance company of party A will directly ask the insurance company of car B.

The third answer is basically to strive for, but it also needs to be added that there must be one party who is fully responsible, one party who is not responsible, and the bicycle is damaged, if there is a person injured, then the compensation without responsibility is not applicable.

Compulsory traffic insurance provisions, whether there are provisions on liability compensation.

The original intention was to say that it was the vulnerable group who was hit, and the driver should be responsible for the money, so the pedestrian was hit and the driver had to lose money, and then the controversy was too great. The new version of the compulsory traffic insurance regulations.

The compensation limit for non-fault personal injury is 10,000 yuan, the compensation limit for non-liability medical treatment is 1,000 yuan, and the compensation limit for non-liability property damage is 100 yuan.

Therefore, if you hit and kill someone, regardless of whether you are responsible or not, the compulsory traffic insurance can pay at least 10,000 yuan, 1,000 yuan for medical expenses, and 100 yuan for property damage.

In your example, car B bought compulsory traffic insurance, you can pay 100 yuan, the claim operation is more annoying, and the owner of B generally takes 100 yuan to car A first.

In order to solve the inconvenience caused by the non-liability compensation of compulsory traffic insurance for property damage in the accident to the policyholder's claim, and effectively improve the quality of compulsory traffic insurance claim service, the insurance industry has established a "compensation settlement platform for non-liability compensation cases of compulsory traffic insurance". Using the settlement platform, the policyholder who is fully responsible for the traffic accident can directly claim compensation from the insurance company, and the insurance company will pay the compensation within the limit of the compulsory traffic insurance on behalf of the insurance company that is not at fault. Every month, insurance companies settle with each other under the organization of industry associations, so as to effectively simplify the claim settlement process and effectively improve the efficiency of claim settlement.

There is a mistake upstairs, the compensation limit of compulsory traffic insurance: 110,000 for disability; medical 10,000; Property 2 thousand. Total 10,000.

First of all, the compensation is only for property damage, that is, if one party is not responsible for the accident, he does not have to pay for the compensation, but the fully responsible party will compensate 100 yuan in the compulsory traffic insurance.

The loss of personal injury is not compensable, but is compensated by the insurance company of the vehicle without liability according to the proportion of the liability limit and the local liability limit.

1. The loss of a total of yuan under the limit of medical expenses in this case.

2. Loss of death limit yuan.

Liability company compensation.

1 10000 11000*.

2 1100000 111100*.

No liability company indemnification.

1 1000 11000* yuan.

2 1100 111100*.

The idea of calculation is this: the number may be wrong in the end.

If you are responsible, you will pay 110,000 yuan for death and disability, 10,000 yuan for medical expenses, 2000 for property damage, 10,000 for death and disability if you are not responsible, 1000 for medical expenses, and 100 for property damage

Are you b or c?

This is the other party's compulsory insurance that should compensate you.