There is no car damage insurance, only compulsory traffic insurance, three liability insurance, no d

1. Carry a clear copy of the "Three Certificates and One Document" of the motor vehicle with the car, that is, the owner's ID card, driver's license, driving license and insurance policy. I would like to remind you that the insurance card of many insurance companies is no longer used as a claim certificate.

2. It is very important to report the accident in time, especially for major accidents. When calling the insurance company to report the accident**, you need to provide basic information such as the policy number, the time and place of the accident, and the nature of the accident.

3. Vehicles with temporary license plates generally only handle short-term compulsory traffic insurance, and there is a specified route and time, and the insurance company does not assume the liability for compensation for accidents that occur on a route and time other than the specified route.

4. When the vehicle is out of danger in a different place, it shall be reported to the insurance company in time, and the damage assessment personnel at the place of accident shall conduct investigation and damage assessment on behalf of the company. The compensation cost is generally valued according to the industry standard of the place of insurance, and if there is partial damage found after returning to the place of insurance, the insurance company can make up the compensation for the repair cost.

5. If the insured wants to entrust the repair shop to handle the compensation, or directly transfer the accident compensation fee to the repair shop, he should sign the power of attorney in person and report to the insurance company for the record. Every time we repair, we sign a quality contract with the repair shop, so that we can protect our legitimate rights and interests.

How to settle the claim for compulsory liability insurance and third-party insurance?

In many cases, the insured has purchased compulsory traffic insurance and three insurances at the same time, regardless of whether the insurance coverage of each type of insurance is clear at the time of insurance, but without exception, the purpose of such insurance is to avoid potential risks in the future as much as possible, which also reflects the public's awareness of the concept of insurance.

There is a certain degree of overlap between the two types of insurance in terms of claim coverage, and there are both the same parts and specific contracting parts. How should the insured be compensated for the losses after encountering an accident or risk?

From the perspective of judicial precedents and jurisprudence, priority should be given to the settlement of claims in favor of the insured, that is, the specific underwriting items of the compulsory liability insurance should be paid preferentially within the limit of the compulsory liability insurance, and the insurer of the three insurances, i.e., the insurance company, cannot refuse to pay compensation on the grounds that the loss does not fall within the scope of the three insurances. Once the insured has taken out compulsory liability insurance and paid the corresponding premium, it has the right to require the insurer (insurance company) to bear the obligation to pay compensation for the corresponding losses in accordance with the provisions of the compulsory liability insurance contract, which is inevitable for the insurer to fully perform the compulsory liability insurance contract. Similarly, if the insured has taken out all three insurances at the same time, except for the deductibles such as specific damages, other reasonable losses are covered by the three insurances, and the insurance company shall also bear the corresponding compensation obligations.

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You are fully responsible, then the other party's loss by your insurance company in the compulsory traffic insurance and the three insurance, you have to pay for the car damage because you do not have car damage insurance, you can only bear it yourself. If you don't understand, you can contact me, if it feels helpful to you, thank you.

1.In the case that you are fully liable, your insurance company will be responsible for compensating for the loss of the other party in the compulsory liability insurance and the third-party insurance.

2.If you do not pay the car damage insurance, you can only pay for the damage to your car.

Coverage of car damage insurance:

1. The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle or its permitted drivers:

collision, overturning, falling;

Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately insured);

Falling and collapsing of external objects;

storms, tornadoes;

lightning strikes, hailstorms, torrential rains, floods, tsunamis;

ground subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide;

Natural disasters on ferries carrying insured vehicles (only for those who are cared for by a driver).

2. In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle shall be borne by the insurer, and the maximum amount shall not exceed the amount of the insured amount.

There is no car damage, so I can only repair it myself! The other party's car can be compensated through the insurance company!

The compulsory traffic insurance is 122,000 yuan in priority, and the third party must deduct the free odds.

Compulsory traffic insurance, the state mandatory provisions must be bought, do not buy will not be on the road. The third liability insurance is:

Protect the other person's person or thing. Car damage insurance is the body insurance of the car that protects your rights. Excluding deductibles means that if you don't buy this insurance, if you have had an accident, the amount of compensation for the second accident will gradually decrease, and you will not be affected by this if you buy it.

Compulsory traffic insurance: compulsory traffic insurance, if not paid, no vehicle inspection. The premium is 680-1200 yuan, the insured amount is 2w yuan for accidental loss, and the car damage is 2000 yuan.

Third-party liability insurance: loss of property and personnel other than their own vehicles, drivers and passengers, with an insured amount of 20w-150w

Car damage insurance: As the name suggests, the compensation amount for damage to your vehicle is fixed for vehicle accessories and the whole vehicle.

Deductible excluded: Liability is waived and full compensation is paid. For example, in the event of a traffic accident, the other party is 30% responsible, and 70% is responsible for themselves, if there is no deductible, the insurance company will only compensate 70% of the total loss, and the rest will be borne by themselves.

If you don't buy a deductible, you buy a three-party insurance, you are fully responsible, and the other party's losses are all borne by you, and the insurance company exceeds the deductible according to the terms of the insurance, and pays within the insurance limit, and the deductible and beyond the insurance limit are borne by you.

For example: the other party loses 800,000, and the amount of third-party insurance you buy is 300,000, and the insurance clause is exempt from the odds of 20%, then 20% in the period, that is, 80 20% = 160,000 is deductible, which is borne by you personally, and the remaining part is 80-16 = 640,000, because your insurance amount is only 500,000, so the insurance company pays 500,000 in full, and the remaining 140,000 is still borne by you.

In addition, the insurance company only pays for the loss of the third party, and the insurance company does not pay for the loss of your car and people.

My car damage will be covered by the car damage insurance, and the people on the car will be covered by the accident insurance.

If you don't buy three insurance for a vehicle accident, you should pay for it in accordance with the insurance regulations, and this will generally pay about 90% of the traffic amount.

After the new policy on September 19, 2020, the insurance without deductible is gone, and it is all included in the main insurance. The situation in which you are fully responsible depends on whether you have been exempted from liability, what kind of traffic accident has occurred, and whether there is any personal injury. There are different compensation for different situations.

This accident bought three insurance did not buy, regardless of the deductible, we are fully responsible, and the insurance company is directly compensated in full.

Compulsory traffic insurance is a sub-payment, if there is a full liability, 110,000 compensation, 10,000 medical treatment, and 2,000 property losses. The insufficient part is risked by three. According to your account, you have purchased deductible-free insurance.

If the vehicle is involved in a traffic accident and you buy commercial insurance by yourself, but there is no deductible, because you are a fully responsible insurance company, you still have to make a claim according to the highest claim standard, which can ensure the maximum interests of the insurer.

This accident bought three insurance did not buy the insurance without counting the exemption, we are fully responsible, the insurance company, this is the insurance company should follow him. to compensate.

If the sum insured is not exceeded, the insurance company will accompany it. The owner of the excess part will compensate by himself.

For example, the total insurance amount of compulsory traffic insurance + third party is 100,000. The other party lost 150,000. Then the owner of the car will pay 50,000 yuan himself.

The deductible is only applicable in the event of an accident after the first accident.

I'll tell you: 1. You shouldn't have paid in advance or visited at all. It's over with a bite of no money; 2. It is best to say that you are fully responsible.

If you hold the other party liable, the insurance company will pay you less. You can't get the other person's part. 3. You now push everything to the insurance company and let the other party find your insurance company.

If you want to go to court, don't come out in person, the insurance company will help you get it.

If the other party is fully responsible for the traffic accident but is unable to compensate, it may request compensation from the insurance company in the following ways:

1. If the other party is a motor vehicle and has purchased compulsory traffic insurance and third-party liability insurance, you can ask the other party's insurance company to cover the compulsory traffic insurance and third-party liability insurance.

Compensation for your losses within the limit of indemnity.

2. If the other party is not a motor vehicle, and you yourself are a motor vehicle and have purchased car damage insurance.

You can ask your insurance company to pay the full amount of the damage insurance within the compensation limit of the car damage insurance.

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

So I hope you can pay attention to it, after all, these things are very important to us. Only if we can really take it seriously, can we reduce his impact. So in order to reduce our risk, we must be cautious.

Full responsibility for traffic accidents, there is third-party liability insurance and deductible insurance, accidents should be based on the actual situation, if there is an accident caused by illegal driving, the insurance company is not compensated by the insurance company, the deductible situation is, drunk driving without a license driving license, driver's license is not compensated for the annual inspection, in these cases, the driver does not have the qualifications to drive on the road, serious violation of the traffic law, in addition, the driver does not match the type of quasi-driving, the internship period on the highway, etc., the insurance company will also refuse to pay.

Just report this directly to the insurance company, and the insurance company will make a claim, so you don't have to bother yourself.

After such a situation, the individual needs to bear a part, and the insurance company also needs to bear a part, and then it will also be compensated and reviewed accordingly according to the insurance you purchased before, so you must call the police in time after an accident, and also contact the insurance company in time.

This needs to be decided on a case-by-case basis. It can be paid by insurance, or it can be private, or it can be paid in accordance with the regulations in the insurance contract.

It is possible to directly ask the insurance company to determine the liability, or directly follow the legal procedure and compensate according to the compensation certificate of the liability accident.

Although each car insurance** has a corresponding calculation formula (or stipulated by the state), the specific amount is affected by your vehicle model, actual ** and other factors.

Under normal circumstances, how are the ** of these types of car insurance calculated? What are the regulations of the state organs? After reading my analysis, you will understand :

"Buy too much and waste, buy less and suffer a loss!" How much does it cost to buy car insurance a year? 》

1. Compulsory traffic insurance

National regulations: in the first year, private cars with less than 6 seats are 950 yuan, and private cars with 6 seats or more are 1,100 yuan.

The amount of the subsequent premium is determined by the fluctuation of different compulsory insurance rates according to the number of accidents.

1) If there is no at-fault traffic accident for one consecutive year, the premium will be reduced by 10%;

2) If there is no at-fault traffic accident for two consecutive years, the premium will be reduced by 20%;

3) If there is no traffic accident for three consecutive years or more, the premium will be reduced by 30%;

2. Car damage insurance

Car Damage Insurance Premium (Base Premium, Vehicle Purchase Price * Rate) * Discount Coefficient.

The basic premium and rate (all affected by your vehicle model) are determined by the CIRC, and the vehicle purchase ** is calculated according to the recent ** at the time of purchase of insurance, and the preferential coefficient is set by the insurance company itself.

Therefore, the car damage insurance** of different car insurance companies will be different, but the difference is not much.

3. Third party liability insurance

Third Party Liability Insurance Premium = Base Net Risk Premium (1 - Surcharge Rate) * Discount Coefficient.

Preferential coefficient = no compensation preferential coefficient independent underwriting coefficient independent channel coefficient, in most cases each company is the same, but it is not absolute, and the specific ** is subject to the insurance company**. Take Guangdong Province as an example:

Attention, now there is a big accident,The death compensation for an individual is currently around 700,000 yuan. In addition, the standard of personal injury compensation increases by an average of 10% per year.

Therefore, try to buy 1 million (minimum 500,000) for the insurance amount of the three insurance.

4. Deductible insurance is not included

Excluding deductible premiums Amount of insurance premiums purchased Insurance rates,The rates excluding deductibles are shown in the figure below

If you buy a $1,000 third-party liability insurance, the corresponding premium without deductible is $150.

What is deductible insurance? You'll understand after reading it! 》

Xueba said the official website of insurance

I want to ask about these four types of insurance, compulsory traffic insurance, no exemption, third liability insurance, car damage insurance, how much is a year's car.

The premium should be determined according to the model of your vehicle, the service life, the nature of use, the insurance situation in previous years and other information, under normal circumstances, the new car premium of compulsory traffic insurance for a 5-seater private car is 950 yuan, if there is no insurance for 3 consecutive years, the minimum discount can be 665 yuan. If so, you can contact your insurance company or contact me with the information to finalize your premium.

It depends on how your vehicle has been out of the accident in previous years. With a car of about 100,000 yuan, if it is 1 million of the three, the insurance should be around 4200, which is the first year's **, and the follow-up insurance should have a certain amount of float and float according to your previous insurance situation. There is no definite number for this, so it is recommended to contact the salesmen of several insurance companies to quote a price, and choose a reputable, similar insurance company to insure the insurance.