Have you bought seat insurance, and how much is appropriate?

Should I buy seat insurance, and how to buy the most cost-effective one? Many drivers don't understand, and the loss is big.

Seat insurance refers to the accident of the insured vehicle (not that the actor is intentional, but that the actor is unforeseeable and irresistible, causing the loss of people and property on the car), resulting in the driver or passenger on the car, the insurance company will compensate for the cost or accident money. Seat insurance is actually the liability insurance of the passengers on the car, and the liability insurance of the personnel on the car is one of the types of commercial insurance, including the seat insurance of the driver and passengers, which is a type of insurance that specifically protects the passengers (including the driver) on the bus. However, seat insurance does not cover the insured.

You can choose whether or not to purchase seat insurance according to your needs.

Insurance method: The insured amount of seat insurance is 10,000 to 100,000 yuan, and the insurance liability is subject to the maximum limit of the insured amount due to accidental death, disability, and medical expenses. For the persons in the car, the maximum compensation limit per person shall be determined by the policyholder and the insurer through negotiation at the time of insurance.

There are two ways to insure, one is to choose a seat; The other is to insure according to the approved number of seats. The rate of the former is generally set for the limit of compensation, and the latter is for the limit of compensation.

2. If you need to buy insurance, you can also contact Ping An Insurance Company for detailed consultation, Ping An Auto Insurance: 95511-5.

I don't think it's necessary to buy seat insurance, seat insurance is only useful when you take your own car, and it is useless when you take someone else's car. Moreover, the seat insurance amount of 10,000 yuan requires a premium of 42 yuan, and if you want to insure 1 million, it will cost 4,200 yuan, which is too expensive. If you buy a copy of CITIC Prudential's Jin Yue Xing, whether you are a driver or a passenger, or take a subway, plane, ship, online car-hailing, taxi, public transportation, accidental death or total disability, all 1 million.

I bought it, and I always insured the seat insurance, 5 seats 199 a year to cover 600,000, and the highest insurance was 4.2 million.

There's an event today, and there's a 70 coupon. See for yourself.

Generally, the insurance amount for each seat is 1-50,000 yuan. The driver's seat is about 40 yuan per 10,000 yuan, and the other seats are about 25 yuan per 10,000 yuan. Seat insurance is necessary.

Seat insurance refers to the accident of the insured vehicle (not that the actor is intentional, but that the actor is unforeseeable and irresistible, causing the loss of people and property on the car), resulting in the driver or passenger on the car, the insurance company will compensate for the cost or accident money.

Generally speaking, the premium of seat insurance is related to the grade of insurance. The higher the insurance grade, the higher the premium; At the same time, it is also related to the number of seats, such as the three-seater and five-seater seat insurance** are not equal; In addition, when the policyholder applies for seat insurance, the rate applied by the designated driver or the non-designated driver is different.

In fact, the seat insurance of the car can be very two: one is passenger insurance, and the other is the driver's seat insurance. These two insurances can be insured together or separately, and the insurance method of passenger insurance is based on the number of seats in the car, so the car owner must choose the number of seats when insuring passenger insurance.

Extended information: Article 4 of the Measures for the Handling of Road Traffic Accidents:

1) The personal life of the person on the vehicle shall be calculated according to the compensation scope, items and standards stipulated in the Measures for the Handling of Road Traffic Accidents and the provisions of the insurance contract, but the maximum compensation amount per person shall not exceed the compensation limit for each seat of this insurance specified in the insurance policy, and the maximum number of compensation shall be limited to the number of insured seats;

2) Each compensation shall be free of odds, and the free odds and methods are the same as those of third-party liability insurance.

Compensation method: 1. Compensation amount: The insurance company will compensate 80%-95% of the total amount of compensation according to the size of your responsibility in the accident (the rest is the part exempted from compensation stipulated in the insurance clause). 80% of the compensation for the full liability of the insured, 85% of the compensation for the primary liability, 90% of the compensation for the equal liability of both parties to the accident, and 95% of the compensation for the secondary liability of the insured.

2. Compensation items: The scope, items and standards of compensation for the personnel on the vehicle shall be subject to the provisions of the Measures for the Handling of Road Traffic Accidents, but the maximum compensation amount per person shall not exceed the compensation limit for each seat. Specific expenses include: rescue expenses, medical expenses, lost work expenses, etc.

1.Driver's seat insurance;

2.Passenger Insurance. Among them, the driver's seat insurance is generally about 400,000 yuan, and the other seat insurance is generally about 25 yuan.

Tens of thousands of yuan, a seat is generally between 10,000 yuan and 50,000 yuan, this is selected according to the actual situation.

This depends on the specific situation, about 25 yuan for each seat, about 40 yuan for the driver's seat, and the amount of compensation is quite high.

Generally, it is more appropriate to buy insurance for 25 yuan, the amount of insurance is large, and it will not cost money.

I think this should consider the liability insurance of the occupants of the car, and it is necessary to protect the people in the car, if there is an accident, you can get compensation to choose how much seat insurance to buy.

We can often see the news about car traffic accidents on the Internet, and some serious accidents can even threaten the lives of the people in the car, so many people have bought a seat insurance for their vehicles in order to bring security to their travel.

So how much is the right seat insurance to buy?

Seat insurance recommendations

1. If the owner is a long-term passenger carrying, driving on the highway or in bad road conditions, the possibility of accidents is greater, it is recommended to choose the insurance amount of 50,000 yuan.

2. If you are just traveling in the city, you usually commute by yourself, and rarely take your family or friends out to play, so it is enough to choose an insurance amount of 1-20,000 yuan.

Of course, if you don't have a bad money, the higher the sum insured, the more insurance. Generally, the insurance amount of each seat is 1-50,000 yuan, and the owner can choose the corresponding amount according to his needs. The premium for every $10,000 insured for a driver's seat is $40; The premium is $27 for every $10,000 insured for a passenger seat.

Is it necessary to buy car insurance seat insurance?

It is necessary, and some people may think that in the event of an accident, the other party's compulsory traffic insurance and third-party liability insurance.

Isn't it the one who pays for yourself? Why spend hundreds of dollars on sail socks for car insurance. It's not wrong to think this way, but if the other party is not responsible, you are fully responsible, and the medical expenses of the people in the car will have to be paid by the car owner out of his own pocket.

There are also situations such as going on a trip, taking a friend for a ride, if you accidentally drive into a ditch and hit a tree. In these cases, you will have to pay for it yourself. Minor abrasions.

If you are really unlucky, it will cost you a huge amount of money to kill and injure a few people in the car.

Summary. Hello, dear. Seat insurance is generally more suitable to buy more than 50,000 yuan seat insurance. The difference between 10,000 and 100,000 seat insurance is mainly reflected in the size of the sum insured, the premium charging standard and the amount of compensation.

Hello, dear. Seat annihilation seat insurance is generally more suitable to buy more than 50,000 yuan of coarse seat insurance with change town. The difference between 10,000 and 100,000 seat insurance is mainly reflected in the size of the sum insured, the premium charging standard and the amount of compensation.

Seat insurance is a commercial insurance specifically insured for the driver and occupants of the car, after the owner has purchased seat insurance for the motor vehicle, once the insured vehicle has a traffic accident and needs to bear full responsibility, primary responsibility, secondary responsibility and equal responsibility for the accident, the insurance company will pay according to the amount of seat insurance and the object. For example, if the driver collides with other vehicles while driving a motor vehicle, resulting in injuries to the people in the car, the insurance company will compensate the driver and the co-pilot for the loss according to the coverage liability of the seat insurance, and the passengers in the other seats are not covered by the insurance company.

It can be seen that when deciding to buy seat insurance, car owners need to consider the number of seats in the motor vehicle and purchase insurance according to the insurance needs. For example, if the driver likes to travel, and the car has a total of 4 seats, all of which are full, then the owner can purchase seat insurance for the four seats, and the amount can be selected from 10,000 to 100,000. If the economic strength is strong, the hood is cracked, and you can purchase more than 50,000 yuan of closed seat insurance, so that in the event of an accident, the policyholder can get more lead reed compensation.

Car insurance: It is enough to buy those kinds of insurance.

This means to kiss according to your own needs.

This depends on your own needs.

What does driving insurance mean.

You're insuring your car, aren't you?

Yes, driving insurance and seat insurance are not the same.

It's not the same kiss.

Driving insurance is driving accident insurance, which is not a car insurance, but a kind of accident insurance in life insurance. Driver insurance provides or disturbance coverage for the driver and passengers of the vehicle, and the insurance company will pay out within the limit if the passenger or driver is injured, killed or disabled in a traffic accident. There are generally three types of driving insurance, which are as follows:

1. Protect the driver of the designated vehicle, Li Qiao, and passengers; 2. Guarantee the driving insurance of a designated person; 3. Coverage of a designated person and a refund of premiums.

If you buy driving insurance, you still have to buy seat insurance, or you don't buy it.

Look at your own choice to kiss.

If there is an accident, both types of risks can be reported, right?

Yes, dear.

It's hard to say, it's different for everyone.

The travel card guarantees a seat with a 12w limit, 199 yuan, including travel services, which is appropriate.

Seat insurance refers to the seat insurance of this car, no matter who is in the seat will enjoy this type of insurance, with the car not with people, generally buy 50,000 yuan.