The difference between compulsory traffic insurance and third party liability insurance, and whether

Compulsory traffic insurance and third-party liability insurance are both third-party liability insurance, and the main differences are as follows: Similarities: Both cover third-party liability, including car damage, personal injury and medical expenses, and death and disability expenses. Differences:

1. Compulsory traffic insurance is a national compulsory insurance, which is a third-party liability insurance that the state compels the owner of a motor vehicle to purchase.

Third party liability insurance is a non-compulsory insurance, is a voluntary principle of commercial insurance purchased by the customer, when the insured or its permitted driver in the use of the insured vehicle in the process of accidents, resulting in a third party suffered direct damage to personal ** or property, according to the law should be borne by the insured of the economic responsibility, the insurance company is responsible for compensation.

2. The insurance liability of the third-party liability insurance is that the insurance company determines its compensation liability according to the accident liability borne by the insured in the traffic accident, and the insurance stipulates more liability exemptions and free odds (amount). The insurance liability of compulsory traffic insurance covers almost all road traffic risks, and there are no deductibles and deductibles. Compulsory liability insurance implements the principle of "no-fault liability", that is, the insurance company will compensate regardless of whether the insured is responsible for the traffic accident.

3. Third-party liability insurance is for the purpose of profit and belongs to the commercial insurance business. However, compulsory traffic insurance is not for the purpose of profit, regardless of profit or loss, it does not participate in the distribution of interests of the company, and the company actually plays an agency role.

4. The scope of compensation for compulsory traffic insurance and third-party liability insurance is different, taking the third-party liability insurance of 100,000 yuan as an example, as long as it is a qualified driver approved by the insured, in the process of driving the insured vehicle, the personal injury and property damage caused to the third party will be compensated within the scope approved by the insurance company. If the death or disability of a third party is caused in the accident, the maximum compensation is 100,000 yuan; The maximum compensation limit for medical expenses is 100,000 yuan; The maximum compensation for financial losses is 100,000 yuan. In other words, the maximum total compensation of 100,000 yuan of third-party liability insurance is 100,000 yuan.

The maximum compensation limit of compulsory traffic insurance is 10,000 yuan, and if the insured motor vehicle is judged to bear the main responsibility after a traffic accident, then the maximum compensation for death and disability is 110,000 yuan, medical expenses are 10,000 yuan, and property damage is 2,000 yuan. If the insured vehicle is found not to be liable in a traffic accident, the maximum compensation for death and disability is 10,000 yuan, the maximum compensation for medical expenses is 1,000 yuan, and the maximum compensation for property damage is 100 yuan.

If you don't have a license, you can pay the compulsory traffic insurance and ask the driver to recover it, and you may need to go to court.

Compulsory traffic insurance is compulsory to buy, and you can't go on the road if you don't buy it;

The three insurances are voluntarily bought, and the amount is also self-determined, which does not affect the road.

are all insurance exclusions.

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After the occurrence of a traffic accident, if the third party is not liable, the liability determined by the accident certificate issued by the traffic management department shall be compensated by the insurance company purchased by the responsible person within the limit, and if the limit is exceeded or there is no insurance, the responsible person shall bear the liability for compensation.

How to settle a claim for a traffic accident third-party non-liability compulsory insurance.

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After the occurrence of a traffic accident, the third party of the hidden rock is not responsible, according to the traffic management department out of the stove rock tool accident identification to determine the responsibility of the jujube posture, by the responsible person to purchase the insurance company within the limit of compensation, beyond the limit or no insurance, by the responsible person to bear the liability for compensation.

Legal basis: Article 1208 of the Civil Code of the People's Republic of China [Application of Law on Liability for Motor Vehicle Traffic Accidents] If a motor vehicle is involved in a traffic accident and causes damage, it shall be liable for compensation in accordance with the Oak Road Traffic Safety Law and the relevant provisions of this Law. Article 1213 [Order of Compensation for Entities Bearing Responsibility for Traffic Accidents]Where damage caused by a traffic accident occurs to a motor vehicle and is the responsibility of one of the parties to the motor vehicle, the insurer underwriting the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If there is still insufficient or no commercial motor vehicle insurance, the infringer shall compensate Qi Qin.