If a new car is hit, can only compulsory traffic insurance be insured? Do you want to drive the car

No, if you don't have car damage insurance, you pay for repairs, and the compulsory traffic insurance pays for the other party, and there is a limit.

If the other party is fully responsible, the other party will report the insurance, and the cost will be borne by the other party (insurance). If you are also liable, it is covered by insurance, and the compulsory liability insurance can also pay out.

If you only have compulsory traffic insurance, of course, you can also apply for insurance, but if you are property damage, you can only pay up to 2,000 yuan, unless someone dies, you can pay up to 110,000 yuan.

If you need to buy car damage insurance, compulsory insurance is to compensate others, and you can buy a deductible without deductible.

The amount of compulsory traffic insurance is limited, 10,000 yuan for medical treatment, 2,000 yuan for property, and if the injured person falls into disability or dies, he can get compensation from the amount of 110,000 yuan.

If you don't need to pay for being hit, the other party is responsible for compensating you, and the compulsory traffic insurance is paid to the other party when you are responsible.

Hello, compulsory traffic insurance is to protect others. And if the insurance amount is very small, you have to spend money to repair your own car.

Hello, the strong insurance is to protect the other party, and the insurance amount is not large, and your car still has to spend money to repair.

Hello, this vehicle was hit, first through the traffic police to determine the responsibility, and then take a picture and notify the insurance company to deal with it.

Hello, compulsory traffic insurance is for others to use, if there is no car damage, this can not be handled by insurance.

Hello riders, this depends on you, the severity of the accident, and whether the compulsory traffic insurance can solve the problem

Hello, dear, the new car was purchased by the 4S shop with compulsory traffic insurance, then this car is most likely not a new car, because the purchase of compulsory traffic insurance requires a car purchase invoice, which means that this car has been ** to the mold socks others, and there are traces to do it may be a vehicle returned by someone else, or it may be a show car. The owner can judge when the vehicle is ** according to the date of payment of compulsory traffic insurance. The owner can communicate with the 4S store to protect their own interests, and the owner can choose to replace a new car, or let the 4S store compensate at a discount.

If you have just bought a new car and been hit, if you want to take insurance, you need to report to the insurance company in time, report the accident of the single car, and let the loss assessor help you verify the loss. The insurance company will have a loss assessor to assess the damage for you, and the residual value after scrapping will be deducted, which means that the carcass of the car will also be determined to be a ** and make a difference. The specific needs are based on the actual situation, and you can find out the loss assessor of the insurance company you are insured as soon as you verify the loss.

If the insurance is out of the policy, it will have some impact on the premium for the next year. If the maintenance ** is not high, you can afford it, and you don't want to take insurance, you can also withdraw the report.

Suppose the commercial car insurance premium purchased by the car owner is 3,000 yuan, and there is no insurance this year, and the vehicle is scratched and needs to repair the car for 300 yuan:

1.If you apply for car damage insurance, you can get 300 yuan in compensation, and the premium of car damage insurance will remain unchanged next year;

2.If you pay for repairs out of pocket, the premium of car damage insurance next year will be directly discounted. Then you can save 3,000* yuan next year.

Therefore, whether to apply for car damage insurance or pay out of pocket depends on the amount of car damage insurance claims and the size of the repair cost. However, it should be reminded that if it occurs multiple times and the claim amount is large, it may be blocked by the insurance company and cannot be insured.

Extended information: The basic process of road traffic accident handling: According to the provisions of the "Road Traffic Accident Handling Measures" and the "Road Traffic Accident Handling Procedures", after the accident, the basic handling process is as follows:

1. On-site investigation.

1.After a traffic accident, if there is no person, the parties have no dispute about the facts and causes, or only minor property damage has been caused, and the basic facts are clear, they can negotiate to deal with the damage compensation and evacuate the scene. If there is a dispute over the facts and causes, the scene must be protected, and 122 must be quickly called to report to the traffic police.

If the vehicle is insured, the insurance company should be notified in time to go to the scene.

2.After receiving the instructions, the people's police on duty must quickly rush to the scene within the promised time and quickly dispose of the scene.

3.Conduct on-site investigation including on-site visits, photography, drawing, measurement, inquest and other series of work. 4.

After the on-site investigation record is reviewed to be correct, the parties or witnesses shall be required to sign the on-site map. 5.For the purpose of inspection, the vehicle involved in the accident and the relevant documents of the parties may be detained when necessary.

6.Make an appointment with the person concerned to deal with the incident.

7.Post-mortem investigations must be conducted in accordance with the law, including inquiries (interrogations), trace extraction inspections, technical testing, damage assessments, and other necessary appraisals.

2. Determination of responsibility.

1.During the investigation phase, if necessary, the parties are summoned to the traffic accident center for a hearing.

2.After ascertaining the basic facts of the accident and collecting sufficient evidence, a determination of responsibility shall be made in accordance with the law in accordance with the prescribed time.

3.When announcing responsibility, all parties must be summoned to the meeting to explain the basic facts of the accident and the reasons and basis for determining responsibility.

4.Inform the person concerned to apply for a new one.

Only buy compulsory traffic insurance to hit someone else's car can apply for insurance, but because only the compulsory insurance is insured, so it can only be paid according to the limit of compulsory traffic insurance, if there is a commercial third-party liability insurance, commercial car insurance can also claim a part, the car owner's compensation pressure will be relatively reduced.

After the 2020 auto insurance reform, the liability limit of compulsory traffic insurance has also changed to a certain extent, if you are fully liable, the liability limit of the insurance company is: death and disability of 180,000 yuan, medical expenses of 18,000 yuan, property loss of 2,000 yuan; If you are not responsible, the claim limit is: 18,000 yuan for death and disability, 1,800 yuan for medical expenses, and 100 yuan for property damage.

Therefore, if you only buy compulsory traffic insurance and hit someone else's car, the cost of exceeding the limit needs to be compensated by the car owner himself.

Hello, don't keep buying compulsory traffic insurance, hit someone else's car, you can be reimbursed, but the other party's compensation is given priority. And there is a limit, and you need to pay for the excess by yourself.

Of course, if you have strong insurance, then hit someone else's car, and the insurance company will pay compensation. Compulsory traffic insurance is to manage other people's cars, but there is no protection for their own cars.

If I only buy one booster insurance for my car, can I be reimbursed if I hit someone else's car? I think if you only buy a booster insurance, you earn someone else's car. Your insurance will pay for someone else. You will not be compensated.

You can only reimburse the other party's vehicle loss and personal injury, and your own car repair costs need to be reimbursed for car damage.

I only bought compulsory insurance, right, as long as it is within 2000, it seems that you can use compulsory insurance to compensate the other party, and you can't exceed it!

If it is only a strong insurance, the reimbursement ratio in this case will probably be very small.

The maximum compensation for compulsory traffic insurance is 120,000 yuan. There was no death, and the maximum compensation was 2,000 yuan.

If the vehicle has purchased compulsory traffic insurance, it can be insured when it comes out of a traffic accident.

Except for the compulsory traffic insurance claim, other losses are borne by the individual.

The motor vehicle has paid compulsory insurance, and the claim standard:

Compulsory liability insurance can compensate a portion of ......

Of course, you can be reimbursed, the compulsory insurance you and we buy is for other people's cars, when you crash someone else's car, there is an insurance company to pay, but your own car is not compensated.

The car only bought compulsory traffic insurance, and hit someone else's car, can it be reimbursed? This should be able to reimburse part of it, but there is no way to reimburse your own car.

If I only buy one booster insurance for my car, can I be reimbursed if I hit someone else's car? I think in general, I don't think this can be reimbursed!

Did you call the police at the time? If not, you go directly to the 4S shop and tell them that you injured the car yourself, as long as yours is fully insured, the insurance company will compensate. If your insurance is on a 4S store, there is usually a direct benefit service there.

You can go to the 4S shop to repair the car, and the reception staff will ask you to call ** to report to the insurance company you insured, and then give you a report number after reporting, and you can put the car in the 4S shop to wait for repair. As for the maintenance fee, the people in the 4S shop will directly go to the insurance company for compensation.

If you don't have insurance in a 4S store, or they don't have a direct claim service, you can go directly to the insurance company's designated damage assessment center to assess the damage, and say that the car was injured by yourself. After the damage is assessed, you will go to the designated repair point or 4S shop for repair, so that you need to pay the repair fee yourself first, and then go to the insurance company for reimbursement. It's more troublesome!

The cost of repairing your car must be within the scope of the damage assessment, otherwise you will have to pay for it yourself.

If you are worried, you can go to the 4S shop maintenance channel to consult. The customer service there will generally give you a way to help you fix your car without spending money!

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

Compulsory traffic insurance can be insured in 4S stores.

Compulsory liability insurance can be purchased through the service staff of the insurance company. Many people will buy through the service staff of the insurance company, which is also the most commonly used way to buy insurance, when handling the insurance business, people can directly ask the service staff of the insurance company face-to-face all the details we want to know, if there are some problems, the staff who handle the insurance business for us will also solve it for us in a timely manner.

According to Article 5 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, insurance companies may, with the approval of the China Insurance Regulatory Commission, engage in compulsory insurance business for motor vehicle traffic accident liability.

In order to ensure the implementation of the compulsory insurance system for motor vehicle traffic accident liability, the China Insurance Regulatory Commission has the right to require insurance companies to engage in compulsory insurance business for motor vehicle traffic accident liability. Without the approval of the China Insurance Regulatory Commission, no unit or individual shall engage in compulsory insurance business for motor vehicle traffic accident liability.

If you crash into the compulsory traffic insurance, you will not be compensated. Because Sowang traffic insurance cannot pay to the driver himself, the compulsory traffic insurance only pays a third party. Compulsory liability insurance includes:

Any loss caused to a third party (except for the car and the people on the car) is within the scope of compulsory traffic insurance, regardless of whether the air leakage is liable or not. When there is responsibility, the maximum compensation for the property loss of the three parties is 2,000 yuan, the maximum compensation for the medical expenses of the three parties is 10,000 yuan, and the maximum compensation for the death and disability of the three parties is 110,000 yuan.

[Legal basis].

Article 3 of the Regulations on Compulsory Insurance of Liability for Motor Vehicle Traffic Accidents The compulsory insurance of motor vehicle traffic accident liability mentioned in these Regulations refers to the compulsory liability insurance in which the insurance company compensates within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents of the insured motor vehicle.