Supplementary accident insurance for the occupants of the car

Drivers are very prone to fatigue, the weather is fickle, the road conditions are unknown, and other factors are accident risks that cannot be ignored during the car owner's driving car, in order to help drivers better strengthen their own safety protection, it is necessary to buy a suitable driver insurance for themselves as soon as possible. Do drivers need to buy personal insurance accident insurance?

Drivers are at a higher risk of personal accidents than the general population, so it is necessary to have an accident insurance, but it is not recommended that you limit yourself to one product, and there is already a driver's insurance specifically designed for drivers on the market, so you can give priority. Here are a few things you need to pay attention to before you apply for insurance:

1.When the car owner applies for this insurance, do not reduce the insurance amount of the passenger seat.

2.For the insurance of the rear seats, the car owner should try to insure all the seats in the back with the same amount of insurance to avoid unnecessary troubles when making claims.

3.It is also very important to choose a reliable insurance e-commerce platform to insure, we recommend you Duobaoyu, which is the largest third-party e-commerce platform in the country, where you can shop around, and at the same time, you can also enjoy the perfect after-sales service of Duobaoyu. Insuring driver insurance, PICC accident insurance is not necessarily the best, Duobaoyu is an e-commerce platform that provides professional driver insurance, you are welcome to compare and choose.

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$250,000 Private Car Accidental Death Benefit*Double Payment on Statutory Holidays Accidental Death Benefit as low as: $150.

What does it mean to supplement accident insurance for drivers and passengers.

The scope of the target is mainly traffic accident compensation for the people on the car"Supplements"The word "two" means that it is a kind of additional insurance. In other words, the only way to do this is to purchase on-board personnel liability insurance first.

to purchase this insurance.

1. What are the benefits of purchasing supplementary accident insurance for people on board?

Supplementary accident insurance for occupants of the vehicle provides more comprehensive compensation on top of the liability insurance for occupants of the vehicle.

For example, an insured person who only purchases on-board personnel liability insurance can only receive compensation if the vehicle is involved in a traffic accident and he or she is in the car, while a person who purchases supplementary accident insurance for on-board personnel means that when the vehicle is involved in a traffic accident, both on and off the vehicle, he or she can receive certain compensation.

From the point of view of the role of supplementary accident insurance for the occupants of the car, it is very necessary to purchase.

Of course, the premise is to purchase on-board personnel liability insurance first.

2. Is there a difference between accident insurance and liability insurance?

The answer is yes, and the specific differences are as follows:

1.The concept is different. On-board liability insurance.

It refers to the motor vehicle insured by the insurance, in the process of use, an accident, resulting in direct damage to the goods contained in the insured vehicle and the personal ** of the personnel on the vehicle, the economic compensation liability that should be borne by the insured according to the law, as well as the necessary and reasonable rescue and protection expenses paid by the insured to reduce losses, the insurance company shall calculate the compensation within the compensation limit of this insurance specified in the insurance policy.

Vehicle Personal Accident Insurance.

It refers to an insurance in which the insurance company pays a certain amount of insurance money to the insured or the beneficiary in accordance with the agreement between the two parties due to the death or disability of the insured, medical expenses or temporary loss of labor and mobility due to a motor vehicle accident within the agreed insurance period.

2.The scope of the accident varies. On-board liability insurance is an accident that occurs while using the vehicle.

Occupant Accident Insurance refers to all accidental injuries.

3.The scope of compensation varies.

The on-board liability insurance reimbursement is the funeral expenses that the owner needs to bear.

**Compensation, medical bills, and lost time expenses.

and other items. Accident insurance for on-board occupants covers death, disability and medical expenses, and some also include emergency evacuation.

and value-added services such as fee advances. To sum up, before applying for car insurance, you'd better understand the difference between on-board accident insurance and on-board liability insurance, and purchase personal accident insurance and on-board liability insurance by consulting professionals, not only has a large choice, but also makes the premium more affordable.

The supplementary accident insurance for the personnel on the car means that when the insured vehicle has an accident, it is a kind of commercial insurance that pays for the medical treatment and disability of the driver and passengers in the car, which can mainly pay disability insurance and death insurance.

Supplementary accident insurance for car personnel is not a mandatory car insurance, car owners can choose to insure according to their actual needs and premium budget, for car owners who have purchased supplementary accident insurance for car personnel, it is undoubtedly a good protection for themselves.

Precautions for supplementing accident insurance for passengers on board.

In the event of a traffic accident, the Supplementary Accident Insurance will provide certain compensation protection for the death of the person on the vehicle due to personal injury caused by a traffic accident. Of course, the difference between the supplementary accident insurance and the liability insurance for the personnel on the vehicle is that the supplementary accident insurance for the personnel on the vehicle can provide certain supplementary protection for the personnel on the vehicle.

When an accident occurs, the insurance company will pay a certain amount of compensation regardless of whether the occupants are inside or outside the car. However, if the policyholder wants to take out this kind of insurance, he must first purchase the liability insurance of the personnel on the vehicle, and then he can attach the supplementary accident insurance for the personnel on the vehicle.

The difference lies in the scope of the accident and the compensation. On-board liability insurance accident coverage: Accidental injury accidents that occur while using the vehicle. Accident Coverage for Occupants of the Car: All Accidental Injuries.

What does it mean to supplement accident insurance for drivers and passengers.

Summary. Hello dear, happy to answer your <>

The difference between the supplementary accident insurance for the occupants and the supplementary accident insurance for the drivers and passengers is:1Supplementary accident insurance for drivers and passengers is a commercial accident insurance; Liability insurance for people on board is a type of car insurance; 2.

After the supplementary accident injury insurance for drivers and passengers is claimed, it will not have an impact on the car insurance premium; After the on-board personnel liability insurance is claimed, it will have an impact on the commercial auto insurance premium for the next year;

Supplementary accident insurance for occupants and passengers.

Hello dear, happy to answer your <>

Cardigan base]: The difference between the supplementary accident insurance for the occupants and the supplementary accident insurance for the drivers and passengers is: 1

Supplementary accident insurance for drivers and passengers is a commercial accident insurance; Vehicle fluid or buried liability insurance is a type of car insurance; 2.After the supplementary accident injury insurance for drivers and passengers is claimed, it will not have an impact on the car insurance premium; After the on-board personnel liability insurance is claimed, it will have an impact on the commercial auto insurance premium for the next year;

Which is better.

Supplementary accident injury insurance for pro-driver passengers, that is, driving insurance, is a kind of accident insurance. When the personnel on the car are caused by accidents, they will provide compensation for accidental disability, accidental death and hospitalization allowance, etc., with a wide range of protection, and they will also accompany Huaimin.

Why. Supplementary accident insurance for on-board personnel refers to a kind of commercial insurance in which the insured vehicle is attacked and the accident occurs, and the insurance company makes claims for the driver and the passenger in accordance with the provisions of the contract.

It is necessary to buy additional accident insurance for the people in the car. The reasons are as follows: 1. Provide a guarantee:

Supplementary accident insurance is an additional insurance for the liability insurance of the personnel on the bus, which provides accident protection for the personnel on the bus, and when an accident occurs, the insurance company will pay for the personal safety of the driver and passengers. 2. Low premium: The supplementary accident insurance for drivers and passengers has a low premium and a high insurance amount, and the insurance period is usually 1 year.

The actual specific insurance amount is subject to the number of passengers, which can be evenly distributed to passengers, greatly reducing the liability of car owners for compensation.

It is necessary to purchase accident supplementary insurance for drivers and passengers, because the accident supplementary insurance for drivers and passengers belongs to the mode of the designated person in the three categories, that is, the mode of following people and not following the car. That is to say, the insured is a person, no matter which car the insured is in, whether it is the driver or the passenger, he can be covered. When the policyholder drives a private car, he can not only invest for himself, but also for his family members to obtain exclusive protection.

Accident supplementary insurance for drivers and passengers is an accident insurance.

In the event of a traffic accident, no matter who is responsible for the accident, no matter which car the insured is in, no matter whether the insured is a driver or a passenger, as long as the insured person protects the driver and passengers, the accident supplementary insurance can be guaranteed. In addition, the accident supplementary insurance for drivers and passengers will not affect the insurance premium of the car insurance, and you can get double compensation, which is very cost-effective. Therefore, the accident supplementary insurance for drivers and passengers actually expands the scope of protection and claims.

Extended Information] 1. What is driving insurance?

Driving Insurance: Accident insurance for the whole process.

It is generally divided into the following situations:

1.Designated car: It means that the object of insurance is the car, if the car has a traffic accident.

So no matter who sits in the car, as long as they get in the car, they will be guaranteed.

2.Designator: It means that the object of protection is a certain person, if the person is sitting in the car and has a traffic accident, then no matter which car the person is sitting in, whether it is the driver or the passenger, he has protection.

3.Return of Premium: This is also a designated person, the difference is that the premium will be returned after decades, and the number of purchasers is very large.

2. Supplementary accident insurance for drivers and passengers.

What is the meaning? What's the use?

Driver and passenger supplementary accident insurance is a lack of driver driving and passenger car has a lot to do with accident insurance, it is mainly to provide traffic accident protection for the people on the car, if there is an accident of the lack of early birth, then the insurance company will pay for the personal safety of the driver and passengers. Normally, this product can be divided into two forms, one is to protect the responsibility with the person, just to protect the individual, no matter which car the insured is in, as long as the insured accident occurs, the insured can get compensation within the scope of responsibility.

There is also a kind of security responsibility to follow the car, which mainly protects the people on the car. No matter who the driver of the car is and who the occupants are, as long as they are on the insured vehicle, they can be protected in the event of an accident, which can solve the problem that the passenger is not protected. This type of insurance is also a good alternative to commercial auto insurance.

Inside the seat insurance.

The sum insured. Generally, it can be higher, and other benefits such as accidental medical treatment and accidental hospitalization allowance are added. Driving accident insurance is actually an accident insurance, and its coverage liability has many similarities with ordinary accident insurance, such as death, disability, accidental medical treatment, hospitalization allowance, etc.

The specific coverage includes accidental death, accidental disability, medical treatment and hospitalization allowance.

It is necessary to buy.

If you're an office worker who commutes to and from work, or a ride-hailing driver, or need to travel by car frequently, then getting insurance out of a cheap ride is a great option.

And many car owners, the first thing that comes to mind is to add "car occupant seat insurance" to the car insurance. This kind of additional insurance is only 1-100,000 yuan, and the medical treatment can not be 100 compensation, ** is not cheap, Lungu recommends that the first choice is more cost-effective driving insurance.

At the same time, the no-loss preferential coefficient of car insurance will not be affected after the accident of driving insurance. With the same amount of insurance, ** is also more favorable than the liability insurance for people on board.

Extended information] 1. Supplementary insurance for drivers:

Its full name is "Driver and Occupant Accident Insurance", which means that the insurance company will compensate the insured when the insured is driving a motor vehicle or riding a motor vehicle in an accident.

Insurance liability is roughly divided into three basic parts: accidental death, accidental disability and accidental medical treatment, and some products also have other benefits such as hospitalization subsidies.

There are two types of driving insurance, one is insurance and people, and the other is insurance and car. Follow people, that is, protect the responsibility to go with people, only protect individuals. Regardless of whose car the insured person is in, as long as an insured accident occurs, they can receive compensation within the scope of liability.

There is also a type of car-following, no matter who drives or rides in the insured's vehicle, the insured accident can be compensated.

2. Liability insurance for people on board:

Vehicle personnel liability insurance, commonly known as seat insurance, is a type of commercial vehicle insurance like car damage and third-party insurance. It is a kind of car insurance that the insurance company compensates for the people who drive and ride in the car in accidents.

That is to say, when a car owner drives a friend or family member in a traffic accident, the insurance company will compensate for funeral expenses, compensation, medical expenses and lost work expenses.

No matter who sits in the car, as long as the car owner or driver has the default, the car accident causes the person**, then the car insurance will be compensated according to the seat insurance amount, and the driver is the same.