If there is no compulsory traffic insurance, should the car owner be liable for compensation?

The top three floors are very comprehensive. But there seem to be two things wrong.

To put it simply: 1. The traffic police will fine you because you do not have compulsory insurance.

2. Even if there is commercial third-party insurance, it will not be paid if you are not responsible. Because among all types of insurance, only compulsory traffic insurance has no liability compensation.

3. Although you are not responsible, you also need to be compensated according to the compulsory traffic insurance, and if you do not have the compulsory payment, it is your responsibility in itself and has nothing to do with the other party, so you need to compensate the other party.

About this third floor said to pay 1000. However, according to the compulsory traffic insurance, in the case of a traffic accident for which the insured is not responsible, the compensation limit is: death and disability compensation limit of 10,000 yuan, medical expenses compensation limit of 1,000 yuan and property damage compensation limit of 100 yuan.

Now the other party is a disability compensation, so the compensation amount should be 10,000 yuan, not 1,000 yuan. The medical expenses of 12,000 proposed by the other party are 1,000 yuan added to the medical expense compensation limit, and there is no problem with this compensation amount.

To sum up, I think that even if a lawsuit goes to court, it will not make a big difference, but it will just waste the cost and energy of the lawsuit.

If you do not have the same insurance, first of all, the traffic police will impose a fine of 2 times on your behavior of not having compulsory insurance, that is, 950x2 yuan.

The injured person with compulsory traffic insurance is not liable to pay up to 1,000 yuan, how can it be 12,000 yuan, you don't have insurance, this situation will definitely have to go to court, look at the ruling.

You must be compensated, now the vehicle has to buy compulsory insurance, strictly speaking, do not buy can not be on the road, after the accident if there is no compulsory insurance is also regarded as there, but this money to you to pay, not the insurance company on behalf of the compensation.

Beijing stipulates that without compulsory traffic insurance, the owner shall fulfill the liability within the limit of the compulsory traffic insurance, because the national law stipulates that motor vehicles must be insured with compulsory traffic insurance, and it is the fault of the owner that the failure to insure is the main responsibility of all cars.

Normal, because our country is a humanitarian country, he is the injured and you have to pay 20% 30% compensation out of humanity.

1. Do I have to pay compensation for the compulsory liability insurance?

1. No liability compulsory insurance shall be compensated. According to the law, within the scope of compensation of compulsory traffic insurance, the insurance company where the non-liable party belongs must bear a certain amount of compensation liability to the person who damaged the property or the person who was injured according to the limit of the non-liability compensation, so as to realize the insurance compensation for the victim.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. The loss of the road traffic accident is intentionally caused by the victim, and the insurance company will not compensate for it.

Second, how to punish the car without compulsory insurance.

After the vehicle owner has taken out insurance in accordance with the regulations, and a fine of twice the insurance premium payable in accordance with the minimum liability limit for insurance under the provisions of the compulsory insurance insurance is imposed, the party concerned shall pay the fine at the designated bank within 15 days from the date of receipt of the administrative penalty decision of the fine. According to the law, if the owner or manager of a motor vehicle fails to purchase compulsory third-party liability insurance for motor vehicles in accordance with the provisions of the state, the traffic management department of the public security organ shall detain the vehicle until it is insured in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit for insurance. All fines paid in accordance with the preceding paragraph shall be included in the social assistance for road traffic accidents**.

The specific measures are stipulated by ***.

Legal Analysis: Compensation for Compulsory Automobile Liability Insurance. When the insured is not liable, the compensation limit for death and disability without liability is 11,000 yuan; The compensation limit for non-liability medical expenses is 1,000 yuan; The compensation limit for non-liability property damage is 100 yuan.

Legal basis: "Compulsory Insurance Clauses for Motor Vehicle Traffic Accident Liability" Article 8 In the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), if the insured suffers a traffic accident in the course of using the insured motor vehicle, resulting in personal or property losses to the victim, the insurer shall be liable for damages borne by the insured in accordance with the provisions of the compulsory traffic insurance contract within the following high-type compensation limits

1) The compensation limit for death and disability is 110,000 yuan;

2) The compensation limit for medical expenses is 10,000 yuan;

3) The compensation limit for property damage is 2,000 yuan;

4) When the insured is not liable, the compensation limit for death and disability without liability is 11,000 yuan; The compensation limit for non-liability medical expenses is 1,000 yuan; The compensation limit for non-liability property damage is 100 yuan.

Under the limit of compensation for death and disability and the limit of compensation for death and disability without liability, it is responsible for compensating for funeral expenses, death compensation, transportation expenses, disability compensation, disability assistive device expenses, nursing expenses, ** expenses, transportation expenses, living expenses of dependents, accommodation expenses, and lost work expenses, and solatium for mental damages borne by the insured in accordance with the court judgment or mediation.

Under the compensation limit for medical expenses and the compensation limit for non-liability medical expenses, it is responsible for compensating medical expenses, diagnosis and treatment expenses, hospitalization expenses, inpatient meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery expenses, and nutrition expenses.

Legal analysis: no liability compulsory traffic insurance is also to compensate, compulsory traffic insurance is a compulsory liability insurance within the liability limit of the insurance company for the insured motor vehicle traffic accident caused by the victim's personal and property losses.

Legal basis: "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" Article 2 The owner or manager of a motor vehicle driving on the 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.