How much to buy in general for on board personnel liability insurance

Generally speaking, the amount of insurance for the liability insurance of people on board is determined by the insured and the insurance company through negotiation, and generally each seat is about 150,000 yuan, of course, the number of insured people cannot exceed the fixed number of seats in the vehicle itself. The insurance amount for drivers and passengers is generally 1-50,000 yuan, of course, some companies can choose 100,000 yuan insurance amount. To judge how much you need to buy, you can consider the following aspects:

1. The amount of driver liability insurance is generally equal to or higher than the amount of passenger liability insurance. As a rule of thumb, if a passenger is insured for 10,000, the driver is usually insured for 30,000 or 50,000.

2. The insured amount for commuting driving is lower than the insured amount for long-distance driving. Commuting to and from work, generally 10,000 yuan is enough.

3. There are many self-driving tours, and it is generally recommended to insure more than 30,000 yuan.

In the calculation of premiums, the rate of on-board personnel liability insurance has nothing to do with the price of the car, but is related to the liability limit and rate of insurance, and the higher the standard of insurance, the higher the premium, the higher the premium.

How much should I buy for on-board personnel liability insurance? Purchasing on-board liability insurance can not only provide sufficient safety for the driver, but also bring more protection to the person riding in the car, which is definitely a must-buy item in today's car insurance.

Occupant Liability Insurance is an insurance for occupants of the vehicle, which is purchased according to individual needs and driving conditions. Those who often drive, often take family and friends on trips, and novices are recommended to buy.

The liability insurance of the occupants of the vehicle is the main insurance of the vehicle commercial insurance, and its main function is to compensate the personnel in the vehicle due to traffic accidents.

The insurance amount of on-board liability insurance is determined by the insured and the insurance company through negotiation, and the insurance amount for each seat is generally determined by 1-50,000 yuan. The number of insured drivers and passengers generally does not exceed the approved number of seats in the operating capital of the insured vehicle.

Hello, of course, the maximum compensation of 10,000 is 10,000, including accidental injury medical outpatient and emergency, accidental injury death and disability. Another: If it is a private car, there is no need to insure too much, generally 1w or 2w is about the same, if you really want to insure more, you can use this money to buy accident insurance 2-300 can buy hundreds of thousands, wide coverage, cost-effective.

Car personnel liability insurance generally sells 20 yuan to 100 yuan, the higher the premium, the higher the insurance company's responsibility for the amount of insurance, although the premium pricing of different insurance companies will be different, but the difference will not be very large, and the maximum amount of insurance can not exceed 200,000, the premium needs to be subject to the insurance company according to the policyholder selected the amount of insurance underwriting results.

Liability insurance for people on board.

It can be divided into driver's seat insurance.

and passenger seat insurance, as well as the amount of insurance for the driver's seat.

It is higher than the sum insured for the passenger's seat. For the driver's seat to purchase 3-50,000 yuan, the passenger seat insurance amount can be purchased 10,000 yuan, overall, the insurance amount is 1-50,000 yuan. Of course, some companies can choose the sum insured of 100,000 yuan, so the specific amount to buy should be combined with the actual needs, and the insured and the insurance company will discuss and decide.

According to the understanding, if we mainly commute to work, the amount of insurance that needs to be insured is lower than the amount of insurance for long-distance driving. Combined with past experience, for commuting and driving, the insurance amount of 10,000 yuan is enough, and self-driving travel.

If you have a lot of long-distance driving, it is generally recommended to purchase more than 30,000 yuan of insurance.

In addition, the premium of the car personnel responsibility stove scattered insurance is not high, the minimum only needs a few dozen yuan, and the high one only needs a few hundred yuan, the policyholder can pay the premium according to his actual situation.

The sum insured is generally between 10,000 and 50,000 yuan.

Generally speaking, the insurance amount of the driver's seat is higher than that of the passenger seat, and the owner can choose the insurance amount according to his actual situation, and it is recommended that the driver's seat insurance is recommended.

3-50,000 insured, 10,000 passenger seat insurance. The premium of the liability insurance for the people on the car is not high, generally ranging from 20 yuan to 100 yuan.

The meaning of car insurance excluding deductibles:

The so-called "car insurance does not include deductibles."

What does it mean", the explanation given by the encyclopedia is: "Regardless of the special clause of the deductible odds, it is an additional type of car insurance, as long as the owner of a private car is insured with this insurance, he can transfer 5% to 20% of the liability to the insurance company." Because the commercial additional insurance is comprehensive and cheap, it is very popular with car owners.

To put it simply, it can be summed up as the role of transferring the liability loss that the individual should bear to the insurance company again, so as to get a full compensation after the accident occurs, and the individual can get the maximum protection.

Novice drivers need to note that deductibles are not counted.

There are two types of classification: main insurance classification and additional insurance without deductible classification, and the main insurance covers motor vehicle loss insurance + third party liability insurance + vehicle personnel liability insurance.

Motor vehicle theft liability insurance.

Extended information: Is it necessary to buy liability insurance for people on board:

It is still necessary to buy the liability insurance of the car personnel, which is a main insurance in the car insurance, during the insurance period, the insured or its permitted driver in the use of the motor vehicle after an accident, the car personnel suffer personal **, you can apply to the insurance company for compensation according to law, including rescue expenses, medical expenses, lost work expenses.

Wait. The number of seats is determined according to the number of approved passengers, and the limit of compensation can be negotiated at the time of insurance, but the maximum compensation amount per person cannot exceed the compensation limit per seat;

In addition to occupant liability insurance, you need to make a choice based on your own car use situation when purchasing car insurance, such as third-party liability insurance.

Car damage insurance, compulsory traffic insurance, theft insurance and deductible insurance, etc., these are generally the largest number of buyers, and compulsory traffic insurance is a must.

Legal analysis: Liability insurance for people on the bus, also known as seat insurance. There are 10,000, 30,000, 50,000, 100,000, 150,000, and 200,000 for selection, with a maximum of 200,000.

2. The insurance amount of the driver and the passenger is listed separately, and the number of passengers is calculated according to the number of seats, for example: 5-seater car, the driver's insurance amount is 200,000, and the passenger insurance amount is 10,000*4, the driver's claim limit is 200,000, and the passenger's claim limit for each seat is 10,000.

Legal basis: "Regulations on Compulsory Insurance of Accident Liability of Motorized Huisui Qi Vehicles" Article 2 The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall purchase compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.

1. How much should I buy for the liability insurance of the people on the car?

The insurance amount of the car personnel liability insurance is determined by the insured and the insurance company through negotiation, generally the insurance amount of 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, so generally speaking, the cost of car personnel insurance is not expensive, it should be within the range of several hundred yuan.

2. You need to pay attention to the following points before applying for on-board liability insurance.

1. With the agreement of both parties, after the insured pays the additional insurance premium, the insurance company shall be liable for compensation in accordance with the relevant provisions of the insurance policy and the following provisions in the event of an accident caused by the accident, resulting in the death, disability or bodily injury of the insured due to the ownership, use or management of the insured car.

2. The term "passenger" as mentioned in the preceding paragraph includes the driver and the person who rides in or gets on or off the insured car.

3. The number of insured persons under this insurance is subject to the number of people stated in the driving license.

4. The insurance company shall not be liable for the death, disability or bodily injury caused by the driver's influence by alcohol.

5. In accordance with the regulations of the Ministry of Finance, since July 1, 90, the amount of death and disability claimed by this insurance shall be paid at 3 times the insured amount, and the amount of physical injury shall be paid at the same time as the insured amount.

6. The insured amount of 10,000 to 100,000 yuan is freely selected by the policyholder according to the needs, and the insurance liability is subject to the maximum limit of the insured amount for accidental death, disability and medical expenses. The maximum compensation limit per passenger in the car shall be determined by the policyholder and the insurer through negotiation at the time of insurance.