What is the maximum amount of compensation for vehicle seat insurance?

Seat insurance, in fact, is the liability insurance of the personnel on the car, including the seats of the driver and passengers, which is a type of insurance that specifically protects the passengers (including the driver) on the bus, and the liability insurance of the personnel on the car is one of the commercial insurances. Seat insurance refers to an accident in the insured vehicle, which is not intentional by the actor, but an unforeseeable and irresistible event that causes the loss of personnel and property on the vehicle. If the driver or passenger of the car is killed, the insurance company will compensate for the accident fee.

In many cases, on-board personnel insurance will be neglected to buy, but on-board personnel insurance is very important and is one of the must-buy insurances.

Includes seat insurance for both the driver and passengers, and it is a type of insurance that specifically covers the passengers (including the driver) on the bus. However, it is important to note that this seat insurance does not cover the insured.

The 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 and the other is to be insured 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.

Depending on how much you are responsible for the accident, the insurance company will pay 80%-95% of the total amount of compensation that should be paid, and the rest is the part that is exempt from compensation as stipulated in the insurance policy.

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. Compensation items, the scope, items and standards of compensation for the personnel on the vehicle are subject to the provisions of the Measures for the Handling of Road Traffic Accidents, but the maximum compensation amount per person cannot exceed the compensation limit per seat. Specific fees include:

Rescue expenses, medical expenses, lost work expenses, etc.

For example, Mr. A was hospitalized with a total of $10,000 in medical expenses after colliding with a truck in a car and being injured in a truck. The traffic police determined that Mr. A was secondarily responsible for the accident (30%). If Mr. A has seat insurance, that is, the liability insurance for the occupants of the car:

10000 30% 95% = 2850 yuan. The rest is responsible for the other party's compulsory liability insurance and three-liability insurance. If the other party violates the exclusion clause or does not take out insurance, the other party is solely responsible.

Hello! The insured amount of vehicle seat insurance is generally 10,000 to 100,000 yuan, and the maximum amount of medical expenses due to accidental death, disability, and medical expenses shall be subject to the maximum limit of the insured amount, and the maximum compensation limit is also determined by the policyholder and the insurance company through negotiation at the time of insurance.

Matters related to vehicle seat insurance compensation.

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 that is 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.

Answer Pro: Glad to answer for you. The scope of compensation for motor vehicle seat insurance is: 1. When the passengers and drivers of the insured vehicle are injured in an accident, the medical expenses incurred can be compensated.

2. If the passengers and drivers of the insured vehicle die in an accident, they can be compensated according to the insured amount.

The maximum compensation amount per person for general vehicle seat insurance does not exceed the compensation limit per seat, and the specific expenses that can be claimed are: rescue expenses, medical expenses, lost work expenses, etc. The insurance company will pay 80%-95% of the total amount payable according to the size of the insured's liability in the accident.

The driver's seat insurance is based on the death caused by the accident, according to the amount of responsibility of the car. According to the proportion of the driver's accident responsibility in the traffic accident, the corresponding accident liability exemption odds are implemented, as follows:

1. 15% deductible for all liabilities;

2. 10% deductible for those who bear the main responsibility;

3. 8% deductible for those who bear the same responsibility;

4. 5% deductible for secondary liability;

5. The accident liability waiver rate for unilateral accidents is 15%.

In fact, seat insurance is the liability insurance of the passengers on the bus in the commercial insurance, because it is a type of insurance that specifically protects the passengers (including the driver) on the car, and the insurance is usually determined according to the seat of the driver and the passenger, so the liability insurance of the personnel on the car is often called seat insurance. It should be noted that when making an insurance claim, the claim of the seat insurance is paid according to the number of seats at the time of insurance, that is, if 3 people are injured and the seat insurance only invests in 2 seats, only 2 people can be compensated. Some insurance companies' seat insurance and driver's liability insurance are two separate additional insurances, and PICC and Sunshine seat insurance drivers and passengers are not separated.

Seat insurance covers the benefits of injuries sustained by the driver and passengers.

In the course of the use of a motor vehicle insured by seat insurance, if an accident occurs and the person on board the insured vehicle suffers personal injury, the insurer shall be liable for economic compensation according to law by the insured, and the insurer shall compensate in accordance with the provisions of the "Measures for Handling Road Traffic Accidents" and the insurance contract. Seat insurance is actually the liability insurance of the personnel on the car, and the liability insurance of the personnel on the car is one of the types of commercial insurance, which is a type of insurance that specifically protects the passengers on the car (including the driver who lacks the chain of the segment).

Summary. However, the specific compensation will still be paid according to the amount and proportion of your insurance.

There are two main cases.

1) For the victim of each seat, when (the amount of personal loss of the person on each seat of the vehicle approved in accordance with the contract and the amount that should be compensated by the compulsory insurance of motor vehicle traffic accident liability) the accident liability ratio is higher than or equal to the liability limit of each seat per accident:

Indemnity = Limit of liability per seat per accident.

2) For the victim of each seat, when (the amount of personal loss of the person on each seat approved in accordance with the contract and the amount that should be compensated by the compulsory insurance of motor vehicle traffic accident liability) The accident liability ratio is lower than the liability limit of each seat per accident:

Compensation = (the amount of personal loss of each person on the vehicle approved according to the contract The amount that should be compensated by the compulsory insurance of motor vehicle traffic accident liability) Accident liability ratio.

What is the maximum amount of compensation for seat insurance.

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Seat insurance pays up to 100,000 yuan. Because the maximum amount of seat insurance is 100,000 yuan.

However, the specific compensation will still be paid according to the amount and proportion of your insurance. It is roughly divided into two situations: (1) For the victim of each seat, when (the amount of personal ** loss of the person on each seat of the car approved according to the contract, the amount that should be compensated by the compulsory insurance of motor vehicle traffic accident liability) When the accident liability ratio is higher than or equal to the liability limit of each seat per accident: compensation = the liability limit of each seat per accident (2) For the victim of each seat, when (the amount of personal loss of the person on each seat of the vehicle approved according to the contract The amount of the amount of the increase that should be compensated by the compulsory insurance of motor vehicle traffic accident liability for the elderly) When the accident liability ratio is lower than the liability limit per seat per accident:

Compensation = (the amount of personal loss of each person on the vehicle approved according to the contract The amount that should be compensated by the compulsory insurance of motor vehicle traffic accident liability) Accident liability ratio.

The coverage of the driver's seat insurance is as follows:

1.If there is an accident in the insured vehicle, and the accident is not intentional, but an unforeseeable and irresistible emergency, resulting in the driver or passenger on the car, the insurance company will compensate for the ** fee or accident money within the scope of responsibility.

2.It is important to note that seat insurance specifically covers the passengers and driver of the vehicle, but does not cover the insured.

Extended information: 1. Insurance liability of seat insurance.

In the process of using a motor vehicle with seat insurance, once an accident occurs that causes the person on board of the insured vehicle to suffer personal injury, the insurer shall be liable for economic compensation according to the law, and the insurer shall compensate in accordance with the provisions of the "Measures for Handling Road Traffic Accidents" and the insurance contract.

2. Exemption from liability for seat insurance.

1. The passenger's personal life when he gets off the bus;

2. Personal ** caused by illegal riding;

3. Personal ** caused by the driver's intentional behavior;

4. Other losses and expenses that are not within the scope of insurance liability.

5. The person on the car is caused by illness, childbirth, self-harm, fighting, suicide, and criminal behavior;

3. Compensation limit of seat insurance.

The maximum compensation limit for each person on board the vehicle shall be determined by the insurer and the policyholder through negotiation at the time of insurance application, and the number of insured seats shall be limited to the approved number of passengers of the insured vehicle.

4. Compensation for seat insurance.

1. Each compensation is free of odds, and the free odds and methods are the same as those of third-party liability insurance.

2. The personal life of the person on the car 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 of 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.

5. How to purchase car insurance:

1. Purchase online.

Now the method of buying car insurance online has become the first way for the majority of car owners and friends, online car insurance only need to log in to the official ** of the insurance company, open the online car insurance purchase interface, enter the correct vehicle information and the basic information of the owner, select the type of insurance that needs to be insured, pay directly through the online banking, and then mail the policy to the door by the insurance company.

2. Purchase through **.

The owner can call the official **** of the insurance company, tell the blind customer service of the insurance company about the type of insurance he needs to buy, and then the insurance company's salesman will come to sign the bill and make the payment.

The number of seats purchased by seat insurance needs to be within the number of seats approved by the driving license of the insured vehicle, and the insurance amount of each seat is generally between 1 and 50,000 yuan, and the insurance amount of vehicle liability insurance is finally determined by the insurance company and the insurer through negotiation.

Seat insurance refers to the unforeseen and irresistible traffic accident of the insured vehicle, resulting in the loss of personnel and property on the insured vehicle, the insured company compensates the insured for the first cost and accident money. It is one of the commercial insurances whose role is to be responsible for the loss of people and property in the car. It is based on the national "Guidelines for Clinical Diagnosis and Treatment of Persons Injured in Road Traffic Accidents", and it also depends on the insured amount of the policyholder, with the maximum compensation amount as the limit.

Specifically, it includes rescue costs, lost work costs and medical expenses. Seat insurance not only ensures the safety of the driver and passengers in the car, but also anyone in the car, whether it is the driver or the passengers in the car, needs to be in an accident, and the insurance company can pay the corresponding expenses.