Should I buy driver liability insurance and passenger liability insurance?

Hello. The full name of the seat insurance you are talking about is the on-board occupant liability insurance, also known as the on-board seat liability insurance or on-board liability insurance, which is an additional insurance for vehicle commercial insurance. It can cover the person in the vehicle caused by a traffic accident in the insured vehicle**.

On-board liability insurance is generally insured according to the seat, which can be divided into two types: the driver's seat and the passenger's seat. In any of the following cases, it is recommended to purchase on-board personnel liability insurance:

1. Novices and frequent drivers must purchase driver's seat liability insurance.

2. Passengers who often travel with people must take out passenger seat liability insurance.

3. For family vehicles, it is recommended to insure all seats with this type of insurance.

To sum up, it is still necessary to purchase seat insurance.

1. Driver liability insurance, also known as on-board liability insurance, includes the driver's seat and the passenger's seat, which mainly refers to the compensation of the insurance company for the personal safety of the personnel and passengers in the driver's seat in the event of an accident. Strictly speaking, driver liability insurance is not an independent type of insurance, but a part of the liability insurance of people on the car in commercial auto insurance, in addition, the owner can also insure the passenger seat, and the general compensation limit is 1-50,000 yuan;

2. Passenger seat liability insurance refers to an insurance product that the insured allows the qualified driver to have an insurance accident in the process of using the insured vehicle, resulting in the personal life of the passengers in the car, which shall be borne by the insured according to law, and the insurer shall compensate in accordance with the provisions of the insurance contract.

In general, the sum insured for the seat.

At about 10,000 to 50,000 yuan, the premium per 10,000 yuan for the driver's seat is about 40 yuan, and about 25 yuan per 10,000 yuan for other seats.

The premium is also related to factors such as the nature of the vehicle and the number of seats.

Occupant liability insurance is divided into passenger insurance.

And driver insurance, the amount of insurance for this type of insurance generally has 10,000, 20,000, 50,000 and 100,000 four grades (each seat), the passenger's insurance amount must be unified, the driver can choose the amount of insurance alone, the number of insured drivers and passengers generally does not exceed the number of seats in the spring of the insurance car.

Extended Information] Driver liability insurance is also collectively referred to as on-board liability insurance.

Including the driver's seat and the passenger's seat, it mainly refers to the fact that in the event of an accident, the insurance company compensates the person in the driver's seat and the personal safety of the passengers. Strictly speaking, Driver's Liability Insurance is not a stand-alone type of insurance, but commercial vehicle insurance.

Part of the car's on-board personnel liability insurance, in addition, the owner can also insure the passenger seat, and the general choice of compensation limit is 1-50,000 yuan.

Driver liability insurance is not a mandatory type of insurance, so whether it is necessary to buy depends on the needs of the car owner, generally speaking, if the vehicle uses complex traffic conditions or poor driving skills, then it is recommended to buy this type of insurance, and share the driving risk with the insurance company. However, if you are more confident in your driving skills and rarely have major accidents with your car, then it is okay not to buy this insurance.

Passenger seat liability insurance: The insured shall compensate the insured in accordance with the provisions of the insurance contract if an insured accident occurs during the use of the insured vehicle, resulting in the personal life of the passengers in the car.

Car insurance driver insurance and passenger insurance are collectively referred to as car crack resistance personnel liability insurance, which can compensate the legal driver allowed by the insured to use the insured vehicle, if a traffic accident occurs, resulting in the life of the passengers in the car, the insurance company will make a claim within the scope of responsibility, simply put, it is to pay the personal life of the person in the car. The amount of insurance for car insurance, driver insurance and passenger insurance is agreed in advance between the policyholder and the insurance company, and the number of underwriters shall generally not exceed the approved number of seats of the insured vehicle.

Driver liability insurance is liability insurance for people on board.

Part of the company, including the driver's seat and the passenger's seat, mainly to ensure that the insurance company pays for the personal safety of the personnel and passengers in the driver's seat after an accident; Passenger Liability Insurance.

It means that the insured, that is, the owner of the car or the qualified driver allowed by the owner of the car to make a claim for the personal ** of the passengers in the car after an accident occurs in the process of using the insured vehicle.

Driver liability insurance and passenger liability insurance are not mandatory, policyholders can choose to purchase according to actual needs, and if the premium budget is sufficient, they can be insured to give themselves and passengers more comprehensive protection.

Extended Materials. 1. What does passenger liability insurance mean?

Passenger liability insurance means that if an insured accident occurs during the use of the insured vehicle by the insured or its permitted qualified driver, resulting in the passenger being physically affected**, the insurance company can pay compensation within the scope of liability. The so-called passengers shall include the driver and the person who rides in or gets on and off the insured car, and the number of insured persons shall be based on the driving license.

The number of people listed shall prevail, but if the driver's person** is caused by alcohol and other factors, the insurance company will not pay compensation.

2. Driver and passenger insurance.

Is there a conflict with a third party?

There is no conflict between driver-passenger insurance and third-party insurance. Driver and passenger insurance, also known as on-board personnel liability insurance, mainly protects that after the occurrence of an insured accident, the insurance company can make claims for the person in the driver's seat and the passenger's personal **; The third-party insurance mainly protects the personal and property losses caused to the third party after the occurrence of the insured accident. To put it simply, the former protects oneself and the latter protects others, and the two do not conflict, but can complement each other.

Driver-passenger insurance and third-party insurance are both commercial insurance.

Car owners can voluntarily take out insurance according to their actual situation and premium budget.

3. 3. Liability insurance.

Does it include the people in your own car?

The scope of the three liability insurance protection is that the insured or the qualified driver allowed to use the insured vehicle when using the insured vehicle, if an insured accident occurs, resulting in a third party suffering personal or property damage, the insurance company can make a claim, but the scope of the claim does not cover the personal and property losses of the car personnel.

If you want the personal and property losses of the car personnel to be compensated, you can only use the other party's compulsory traffic insurance and three liability insurance to make a claim, or if you have purchased car damage insurance.

You can also make a claim for insurance that covers your own vehicle, such as seat insurance.

Driver's liability insurance, also known as on-board liability insurance, includes the driver's seat and the passenger's seat, which mainly refers to the insurance company's compensation for the personal safety of the person and the passenger in the driver's seat in the event of an accident. Strictly speaking, the driver's liability insurance is not an independent type of insurance, but a part of the commercial car insurance in the cave of the car personnel liability insurance, in addition to the trembling, the owner can also insure the passenger seat, the general choice of compensation limit is 1-50,000 yuan;

2. Passenger seat liability insurance refers to an insurance product that the insured allows the qualified driver to have an insurance accident in the process of using the insured vehicle, resulting in the personal life of the passengers in the car, which shall be borne by the insured according to law, and the insurer shall compensate in accordance with the provisions of the insurance contract.

Legal basis: Article 2 of the Social Insurance Law The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in the event of old age, illness, work-related injury, unemployment, childbirth, etc.