The difference between compulsory liability insurance and triple liability insurance 100

The compulsory traffic insurance has a compensation amount of 10,000 yuan, but in the case of liability, the maximum compensation is 10,000 yuan for medical expenses, the maximum compensation for property is 2,000, and the maximum compensation for death and disability is 110,000 yuan.

The biggest difference between the three and the strong is that part of the loss is what it is, as long as it is within the scope of compensation, regardless of whether it is medical treatment or what the situation, compensation will be made, as long as it does not exceed the limit of your insurance amount.

Personal opinion, if you feel so too, hope, thank you.

Although compulsory traffic insurance and third-party insurance are both compensated to a third party, there are still three differences. I will tell you about it today, I hope it will be useful to you.

The difference between compulsory liability insurance and commercial insurance.

Compulsory traffic insurance and third-party liability insurance are both third-party liability insurance, and the main differences are as follows:

1. Compulsory traffic insurance is a national compulsory insurance, which is a third-party liability insurance that the state compels the owner of a motor vehicle to purchase. Third party liability insurance is a non-compulsory insurance, is a voluntary principle of commercial insurance purchased by the customer, when the insured or its permitted driver in the use of the insured vehicle in the process of accidents, resulting in a third party suffered direct damage to personal ** or property, according to the law should be borne by the insured of the economic responsibility, the insurance company is responsible for compensation.

2. The insurance liability of the third-party liability insurance is that the insurance company determines its compensation liability according to the accident liability borne by the insured in the traffic accident, and the insurance stipulates more liability exemptions and free odds (amount). The insurance liability of compulsory traffic insurance covers almost all road traffic risks, and there are no deductibles and deductibles. Compulsory liability insurance implements the principle of "no-fault liability", that is, the insurance company will compensate regardless of whether the insured is responsible for the traffic accident.

3. Third-party liability insurance is for the purpose of profit and belongs to the commercial insurance business. However, compulsory traffic insurance is not for the purpose of profit, regardless of profit or loss, it does not participate in the distribution of interests of the company, and the company actually plays an agency role.

4. The scope of compensation for compulsory traffic insurance and third-party liability insurance is different, taking the third-party liability insurance of 100,000 yuan as an example, as long as it is a qualified driver approved by the insured, in the process of driving the insured vehicle, the personal injury and property damage caused to the third party will be compensated within the scope approved by the insurance company. If the death or disability of a third party is caused in the accident, the maximum compensation is 100,000 yuan; The maximum compensation limit for medical expenses is 100,000 yuan; The maximum compensation for financial losses is 100,000 yuan. In other words, the maximum total compensation of 100,000 yuan of third-party liability insurance is 100,000 yuan.

The maximum compensation limit of compulsory traffic insurance is 10,000 yuan, and if the insured motor vehicle is judged to bear the main responsibility after a traffic accident, then the maximum compensation for death and disability is 110,000 yuan, medical expenses are 10,000 yuan, and property damage is 2,000 yuan. If the insured vehicle is found not to be liable in a traffic accident, the maximum compensation for death and disability is 10,000 yuan, the maximum compensation for medical expenses is 1,000 yuan, and the maximum compensation for property damage is 100 yuan.

1. The mandatory nature of the two is different. The three-liability insurance is not mandatory, and is essentially a commercial insurance established in accordance with the commercial insurance system. For car owners and insurers, more attention is paid to the diversification of risks and the acquisition of insurance benefits, and whether to insure is the result of consensus between the two parties; Compulsory liability insurance is mandatory, similar to social insurance.

Pay more attention to the timely protection of the interests of third parties. All car owners are forced to take out insurance, and insurance companies must underwrite and cannot refuse insurance. 2. Different compensation principles.

3. Liability insurance is to determine the liability of the insurer according to the fault liability. The specific compensation method is specified in the insurance contract, and the compensation does not distinguish between personal injury or material damage, and shall be carried out in accordance with the contract. How much compensation does the insurer pay based on the accident liability assumed by the insured in the accident?

The liability of the compulsory traffic insurance insurer is determined in accordance with the principle of no fault, not in accordance with the insurance contract, but in accordance with the law and specific provisions of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability within the liability limit. 3. Different scope of compensation. The "three liability insurance" has made many exemptions for the scope of compensation, including different liability exemptions and deductible odds, while the "compulsory traffic insurance" covers almost all traffic accidents except for intentional accidents, and there is no provision for free odds.

Hope, thank you!

The difference between the three liability insurance and the compulsory liability insurance is:

The willingness to insure is different, compulsory traffic insurance is established and implemented by the state, with mandatory, third-party liability insurance, does not have any mandatory, motor vehicles can be voluntarily purchased according to their own needs, the principle of attribution is different, and the order of compensation is different.

Compulsory insurance refers to the compulsory insurance of the first department, and this insurance protects the third party. Compulsory third-party liability insurance refers to the amount of compensation that should be paid by the insured in accordance with the relevant provisions of the insurance contract for the accident that occurs in the process of using the insured vehicle by the qualified driver allowed by the insurer, resulting in the direct loss of personal or property to the third party.

After the occurrence of the insured accident, the insurer shall determine the amount of compensation within the liability limit of the compulsory traffic insurance in accordance with the scope, items and standards stipulated by the relevant national laws and regulations and the agreement of the compulsory traffic insurance contract, and in accordance with the guidelines for the clinical diagnosis and treatment of traffic accident trauma and the national basic medical insurance standards formulated by the Ministry of Health.

1. The commercial three-liability insurance adopts the principle of fault liability, that is, the insurance company determines its liability according to the accident liability borne by the insured in the traffic accident. However, compulsory traffic insurance implements the principle of "no-fault liability", that is, regardless of whether the insured is responsible for the traffic accident, the insurance company will compensate within the liability limit.

2. For the sake of effective risk control, the commercial three liability insurance stipulates more liability exemptions and free odds (amounts). The insurance liability of compulsory traffic insurance covers almost all road traffic risks, and there are no deductibles and deductibles, and its coverage is far greater than that of commercial three-liability insurance.

3. Commercial three-liability insurance is for the purpose of profit and belongs to the commercial insurance business. However, the compulsory liability insurance is not for the purpose of making profits, and each company engaged in the compulsory liability insurance business will be managed and accounted for separately from other commercial insurance businesses, and will not participate in the distribution of the company's interests regardless of profit or loss, and the company will actually play an agency role.

4. At present, the terms and rates of commercial three liability insurance companies are different from each other, and there are liability limits of 50,000 yuan, 100,000 yuan, 200,000 yuan and even more than 1 million yuan. The liability limit of compulsory traffic insurance is unified across the country, and the insurance terms and basic rates are uniformly implemented nationwide.

The nature of "compulsory traffic insurance" is completely different from the existing commercial insurance such as commercial motor vehicle third-party liability insurance. Compulsory traffic insurance is mandatory for everyone who buys a car, while commercial triple insurance owners can choose according to their needs.

The main differences between compulsory traffic insurance and third-party liability insurance are as follows: 1. Imitation compulsory traffic insurance is compulsory by the state, while third-party liability insurance is voluntary. 2. The coverage of the strong potato insurance is wide, and the insurance amount is low; Third party liability insurance has a relatively narrow coverage and a high sum insured.

3. The premium of compulsory traffic insurance is fixed for each model; For commercial insurance, the premiums are different for the same car model.