How is the driver s seat liability insurance claimed

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 in the driver's seat and the passenger in the event of an accident.

To calculate the premium of driver liability insurance, it is necessary to clarify the compensation limit and each element of the rate factor, taking Beijing as an example, the rate of driver liability insurance is, if the insurance is 10,000 yuan, the base premium is 41 yuan; If the insurance is 50,000 yuan, the base premium is 205 yuan. The rate for passenger seats is $104 for an ordinary 5-seater private car if 10,000 seats are insured.

Hello! The claim situation of the driver's seat liability insurance is roughly as follows, which you can use as a reference:

1. Report the case: The general insurance company requires the report to be made within 48 hours of the incident. This is related to whether the car owner can enjoy the claim service, and the sooner or later the time of reporting the case will also directly affect the speed of the claim time.

2. Survey and damage assessment. The staff of the nearest insurance company outlet where the accident occurred will conduct an inspection and damage assessment, which is the key to the settlement of claims.

3. Nuclear price and loss.

4. The policyholder submits the claim information to the insurance company's outlets, and the staff uploads the information to the auto insurance claim management system.

5. The claims adjuster shall review, adjust and verify the claim from the receipt of the materials.

6. The policyholder can go to the nearest outlet to receive the compensation or get the claim payment by transfer.

The coverage of the driver's seat insurance is as follows:

1.If there is an accident in the insured vehicle, and the accident is not intentional, but an unforeseeable and irresistible emergency, resulting in the driver or passenger on the car, the insurance company will compensate for the ** fee or accident money within the scope of responsibility.

2.It is important to note that seat insurance specifically covers the passengers and driver of the vehicle, but does not cover the insured.

Extended information: 1. Insurance liability of seat insurance.

In the process of using a motor vehicle with seat insurance, once an accident occurs that causes the person on board of the insured vehicle to suffer personal injury, the insurer shall be liable for economic compensation according to the law, and the insurer shall compensate in accordance with the provisions of the "Measures for Handling Road Traffic Accidents" and the insurance contract.

2. Exemption from liability for seat insurance.

1. The passenger's personal life when he gets off the bus;

2. Personal ** caused by illegal riding;

3. Personal ** caused by the driver's intentional behavior;

4. Other losses and expenses that are not within the scope of insurance liability.

5. The person on the car is caused by illness, childbirth, self-harm, fighting, suicide, and criminal behavior;

3. Compensation limit of seat insurance.

The maximum compensation limit for each person on board the vehicle shall be determined by the insurer and the policyholder through negotiation at the time of insurance application, and the number of insured seats shall be limited to the approved number of passengers of the insured vehicle.

4. Compensation for seat insurance.

1. Each compensation is free of odds, and the free odds and methods are the same as those of third-party liability insurance.

2. The personal life of the person on the car shall be calculated according to the compensation scope, items and standards stipulated in the "Measures for the Handling of Road Traffic Accidents" and the provisions of the insurance contract, but the maximum compensation amount per person shall not exceed the compensation limit of each seat of this insurance specified in the insurance policy, and the maximum number of compensation shall be limited to the number of insured seats.

5. How to purchase car insurance:

1. Purchase online.

Now the method of buying car insurance online has become the first way for the majority of car owners and friends, online car insurance only need to log in to the official ** of the insurance company, open the online car insurance purchase interface, enter the correct vehicle information and the basic information of the owner, select the type of insurance that needs to be insured, pay directly through the online banking, and then mail the policy to the door by the insurance company.

2. Purchase through **.

The owner can call the official **** of the insurance company, tell the blind customer service of the insurance company about the type of insurance he needs to buy, and then the insurance company's salesman will come to sign the bill and make the payment.

Summary. There is no difference between the two.

Driver's seat liability insurance refers to the type of insurance that causes the driver of the car to be personally ** in the event of an accident, and if the car is responsible, the insurance company will compensate according to the terms and conditions. Driver's seat liability insurance is the driver's seat part of the vehicle occupant liability insurance. However, even if you have purchased driver's liability insurance, the insurance company can refuse to pay under certain circumstances.

For example, accidents caused by drag racing, drunk driving, illegal riding, etc., or if the driver's license is lost, damaged, expired, or detained in accordance with the law, or during the period of suspension or demerit points of 12 points, even if the driver is injured, it will not help. Therefore, in addition to insurance, car owners should also pay attention to standardized driving, for their own safety, but also to avoid their own interests being infringed.

What is the difference between driver liability insurance and seat insurance?

Hello, it's a pleasure to serve you! I am engaged in the financial field cautiously professional, here is looking at your problem, the inquiry needs some time, please wait a little don't be in a hurry, thank you.

There is no difference between the two. Driver's seat liability insurance refers to the closed chain type of insurance that causes the driver of the car to be responsible for the accident and the insurance company to compensate according to the terms and conditions if the car is responsible. Driver's seat liability insurance is the driver's seat part of the vehicle occupant liability insurance.

However, even if you have purchased driver's liability insurance, the insurance company can refuse to pay under certain circumstances. For example, accidents caused by drag racing, drunk driving, illegal riding, etc., or the driver's license is lost, damaged, expired, or detained in accordance with the law, suspended or during the period of demerit points reaching 12 points, even if the driver is injured, it will not help. Therefore, in addition to insurance, car owners should also pay attention to standardized driving, for their own safety, but also to avoid their own interests being infringed.

Now there are many car owners who want to be cheap, only buy compulsory traffic insurance and do not want to buy business dry travel insurance, so there are many insurance companies that do not accept only to buy compulsory traffic insurance, that is, do not envy the return of the single to sell compulsory insurance, although it is a helpless move, but the insurance company is illegal to do so, and is afraid of those car owners complaints, so the car owner accident card was launched.

In the event of a road traffic accident involving an insured vehicle, the insurer shall bear the liability for compensation according to the proportion of the driver's accident liability in the traffic accident, and the proportion of accident liability shall generally be determined in accordance with the following provisions: if the insured vehicle bears all the accident liability, the accident liability ratio shall not exceed 100%;

where the main accident is responsible, the proportion of accident responsibility shall not exceed 70%; If they bear the same responsibility for the accident, the proportion of accident responsibility shall not exceed 50%; if the person bears responsibility for the secondary accident, the proportion of accident responsibility shall not exceed 30%; If there is no liability for the accident, the insurer shall not be liable for compensation.

At the same time, according to the proportion of accident responsibility borne by the driver in the traffic accident, the corresponding accident liability exemption odds are implemented: 15% for those who are fully responsible, 10% for those who are primarily responsible, 8% for those who are equally responsible, and 5% for those who are secondarily responsible. The accident liability deductible for unilateral accidents is 15%.

Driver's seat liability insurance, also known as on-board liability insurance, includes driver's seat and passenger seat, mainly refers to the insurance company in the event of an accident, the insurance company will compensate for the personal safety of the driver's seat and passengers, Xuancheng traffic violation inquiry! Shikai.

Strictly speaking, the driver's seat liability insurance is not an independent type of insurance, and the return to dig is part of the liability insurance of the vehicle in the commercial car insurance, in addition, the car owner can also insure the passenger seat, and the general choice of compensation limit is 1-50,000 yuan.

I hope mine can help you.

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There are many risks faced by cars on the road, and once the risks occur, it will not only cause you to lose the economy, but also bring the risk of liability compensation. For this, it is important that you have the right driver's seat liability insurance.

Which one is better to buy driver's seat liability insurance?

It is recommended that you combine the service quality, reputation and reputation of major insurance companies, and choose the best among them, and the one that suits you is the best. Integrating the driver's seat liability insurance products of multiple car insurance companies, you can get at least 15% of the premium discount when you apply here, and you can also enjoy the whole claim service later, which is the best channel for you to insure. As for how to do it, you may wish to refer to the following:

1.When the car owner applies for this insurance, do not reduce the insurance amount of the passenger seat.

2.For the insurance of the rear seats, the car owner should try to insure all the seats in the back with the same amount of insurance to avoid unnecessary troubles when making claims.

3.It is also important to choose a reliable insurance e-commerce platform to insure, we recommend to you, it is the largest third-party e-commerce platform in the country, where you can shop around and enjoy perfect after-sales service. It is necessary to purchase appropriate driver's seat liability insurance and choose a formal platform.

It is an e-commerce platform that provides professional car insurance, and you are welcome to come and compare your choices. Huatai Auto Insurance Insurance Advantages: *Online Insurance, Commercial Insurance Save 15%* Free Non-Accident Roadside Assistance Claim Features:

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If the other party is fully responsible, the seat insurance is not responsible for compensation.

They are all compensated by the other party, but if the other party cannot be found, the insurance company will compensate on behalf of the other party, and the specific proportion is generally 70%.

If you are fully responsible, you will be responsible for the compensation, and if you do not count the deductible, it will be 100% compensated, if it is the primary and secondary liability, please refer to the above.

The ratio is 70% to 30%.

If you buy 100,000 yuan, your own responsibility, the driver will pay up to 100,000 yuan for medical expenses. Is it to look at 110,000, the insurance company pays 100,000, and pays 10,000 out of pocket? (This sentence is correct).

So if the other party is responsible, he bought 10,000 yuan of driver's seat liability insurance, can he only pay 10,000 yuan and pay 100,000 yuan at his own expense?

This is not true. If the other party is responsible, it has caused your personnel** First of all, use the other party's compulsory insurance compensation limit for medical expenses 1w death and disability compensation costs up to 11w, and the extra part if the other party has insured commercial third-party insurance, use the other party's commercial third-party insurance to compensate if it is not insured, and put it at your own expense.

The main thing is that it has nothing to do with how much money the other party's occupant insurance has insured.

The difference between these two types of insurance is big and not the same.

The owner's accident insurance is to protect the owner, and the person does not recognize the car, that is, if you buy the owner's accident insurance, you do not recognize which car you drive (generally the insurance company will limit it to non-operating vehicles with less than seven seats), and you will be compensated in case of accidents, except for the exemption in the contract.

Driver's seat insurance can only be purchased together when buying car insurance, so it is completely the opposite, only recognize the car and not the person, that is, as long as the car that has bought seat insurance has an accident, it will be compensated, and there is no claim in other cases.

In fact, buying these two types of insurance together can play a very complementary role, why do you say that, we will understand the claims of the two types of insurance. Let's talk about seat insurance first, seat insurance will only work when a traffic accident has been fully responsible and the car has personnel **, if the other party has personnel ** and has been fully responsible is the compulsory traffic insurance and the three insurance work. When managing money, it is only a reimbursement for medical expenses.

Therefore, this insurance is very limited, so the protection is generally very low when buying, and I have seen 90% of the coverage of 10,000 yuan. It doesn't make much difference when something happens. The car owner's accident insurance pays for accidental medical treatment and accidental disability separately, which can not only supplement the medical expenses due to insufficient seat insurance, but also have certain compensation for disability and death caused by accidents.

In addition, when the other party is fully responsible for the traffic accident, the car owner insurance accident insurance can also apply for a claim, and in this case, even if the party has seat insurance, the insurance company will not compensate, and can only be compensated by the fully responsible party.

Now there are many car owners who want to be cheap, only buy compulsory traffic insurance and do not want to buy commercial insurance, so there are many insurance companies do not accept only to buy compulsory traffic insurance car owners, that is, not only sell compulsory traffic insurance, although it is a helpless move, but the insurance company is illegal to do so, and is afraid of those car owners complaints, so the car owner accident card was launched.