Car insurance is equally responsible for the three and how to compensate for the three

Generally, compensation for the loss of a third party is settled through compulsory traffic insurance. Regardless of the size of the liability, there are two types of compulsory liability insurance: unilateral full liability and both parties liable.

Unilateral full liability: the fully responsible party bears the loss of the non-responsible party, personal injury, property 2,000 yuan, death and disability of 110,000 yuan, and the non-liability compensation is compensated by full liability; Both parties are responsible (primary and secondary, equal): Regardless of the size of the liability, as long as the liability is there, it constitutes the liability for the payment of compulsory traffic insurance, with 10,000 yuan for personal injury, 2,000 yuan for property, and 110,000 yuan for death and disability.

If the car insurance is the same responsibility: the loss of both parties within 2,000 yuan by the compulsory traffic insurance collision self-compensation, both parties each take the accident responsibility to the insurance company to submit their own vehicle loss claims, such as the loss of both parties or the bicycle more than 2,000 outside, within 2,000 losses collision self-compensation, more than 2,000 outside the part according to the accident liability ratio apportionment (70% of the main responsibility, 30% of the secondary responsibility, 50% of the same responsibility), the excess part of the commercial insurance compensation. When the limit of compulsory traffic insurance reaches the maximum limit of the accident, the insurance liability will be terminated in the accident.

Compulsory traffic insurance is not cumulative, and can be used for every accident involving a third party during the period of insurance liability.

When it comes to compensation for equal liability, you and the other party must prepare two copies of all the materials, including the repair invoice (a copy with a financial seal), a maintenance settlement list, a copy of the driving license, a copy of the driver's license, a copy of the insurance policy, an identity certificate, a damage assessment form, an accident certificate, etc. You and the other party are going to their respective insurance companies to settle claims. The specific compensation depends on the terms and conditions.

To put it simply, after deducting the 4,000 yuan of compulsory traffic insurance compensation, it will be apportioned according to the proportion of liability. Suppose you buy compulsory traffic insurance, car damage insurance, third-party liability insurance, and deductible insurance, you can get compensation: 2000 + (20000 + 30000-4000) * 50% = 25000 yuan.

There are a few things that we should be particularly careful when applying for a claim, first of all, we must notify the insurance company as soon as possible after the accident, which is generally required within 24 hours, if it exceeds this time, the insurance company is likely to refuse to make a claim. If the staff of the insurance company does not arrive at the scene in time to assess the damage after applying for a claim, the owner can take a photo with his mobile phone to avoid changes in the accident scene, which will affect the damage assessment and claim.

First compulsory traffic and then business, that is to say, now the loss is lost to the other party in the compulsory traffic insurance, and the rest is divided in the commercial insurance.

For example, if A loses 3000 and B loses 2000 (loss of property), then A should pay 2000 to B in the compulsory traffic insurance, and B should pay 2000 to A in his own compulsory traffic insurance, then the remaining 1000 A will be shared by the third parties of the two businesses.

1.No one was injured in the three, only physical damage (including the other party's vehicle).

The limit of 2,000 yuan of compulsory traffic insurance will be deducted first, and then the excess part will be compensated according to the same liability (that is, 50%) under the three liability insurance.

2.The three were injured and damaged.

First, deduct the personal injury + property damage of the compulsory traffic insurance (if there is a more serious disability, there is a compensation limit of about 120,000), and then the excess department will be the same, and 50% of the compensation will be paid.

Beijing: Equal responsibility, mutual collision of minor accidents, within the scope of compulsory traffic insurance, generally go fast processing, the two sides sign a fast processing agreement, each repair their own car, each report their own compulsory traffic insurance.

For larger accidents, it is necessary to go through the traffic police, and take commercial insurance beyond the compulsory traffic insurance, and deal with the same number of the above

The excess amount of compulsory liability insurance is within your policy limit multiplied by the payout.

Third Party Liability Insurance.

Whether to accompany or not is related to the responsibility of the policyholder. If there is no fault in the accident, all three are covered.

Can be fully accompanied; If the policyholder is responsible, compensation will be made according to the proportion of liability, and the deductible part needs to be paid by the car owner. For example, 20% of the total liability is exempted; 15% deductible for primary liability; 10% deductible for the same liability; 5% deductible for secondary liability. Of course, it is also possible to purchase additional deductible insurance by purchasing the third party insurance.

Carry out risk aversion, and if you buy this product, the insurance company will pay you in full.

Third party liability insurance, the full name of which is motor vehicle third party liability insurance.

It is also known as the three insurances and the three liability insurances.

During the insurance period, if the insured or its permitted driver has an accident in the process of using the insured motor vehicle, resulting in direct damage to the third party's personal ** or property, the car insurance company will be liable for damages to the third party in accordance with the law.

Collision with pedestrians, personal belongings, collision with vehicles and damage to other people's vehicles (and injuries to other people's vehicles, damage to items in the vehicle), and collisions with public property (guardrails, etc.) are all covered by the three insurance. In short, the insurance company is the first, and the insured vehicle (i.e., our own car) is the second.

If you buy deductible insurance, the car owner no longer has to pay out of pocket to bear the part of the cost, and the insurance company will pay for it. Once the insurance is out of the way, the original deductible can be supplemented without deductible, so that the economic risk you need to bear is lower.

Third Party Liability Insurance.

There will be no full compensation, just a certain deductible.

Non-deductible insurance must be purchased in order to transfer the risk that the car owner needs to take on to the insurance company. Also, for example, drunk driving.

Illegal acts, hit-and-runs, etc., resulting in third-party liability insurance.

The insurance company will not pay the claim. Therefore, it is best for car owners to take a look at third-party liability insurance to better protect their rights and interests.

Third Party Liability Insurance.

As the name suggests, it is an insurance for a third party who is involved in a traffic accident. The third party does not refer to a minor third party, but to any third party other than the owner of the vehicle and the insurance company, including motor vehicles, people, buildings, plants, guardrails, etc., if the third party suffers personal injury or direct loss of property, the insurance company will compensate in accordance with the relevant provisions of the insurance contract.

Extended information: 1. The maximum limit does not exceed 10 million yuan, and 500,000 yuan and 1 million yuan are the two commonly used limits for ordinary family cars. It is recommended that it can go up to 1 million yuan or 1 million yuan.

If you are fully responsible, the insurance company will pay you up to the maximum amount of compensation, but only if you have non-deductible coverage. The full name of non-deductible insurance is "non-deductible special terms", which is a commercial insurance.

Car damage insurance or third party liability insurance). See Article 17 of the "Motor Vehicle Insurance Clause": "According to the insurance provisions, the motor vehicle driver accident liability insurance and vehicle damage insurance.

and third party liability insurance are calculated at absolute deductible odds. The deductible is 20% for full liability, 15% for primary liability, 10% for equal liability, and 5% for secondary liability.

2. If there is no deductible for traffic accidents, the owner needs to bear 20%, that is, for example, the total compensation is 1 million, and the owner himself bears 200,000. In general, it is highly recommended that as long as you buy commercial insurance, you must buy non-deductible insurance, because the premium is not high, but you can be exempted from liability. Also, it is advisable to purchase car damage insurance as you are solely responsible.

If you don't have car damage insurance, your car will need to be repaired at your own expense. Many drivers are greedy and do not buy deductible insurance and car damage insurance.

3. The vast majority of places list third-party liability insurance as compulsory insurance. Without this insurance, motor vehicles cannot be licensed or inspected annually. After the introduction of compulsory motor vehicle traffic insurance (hereinafter referred to as compulsory traffic insurance), third-party liability insurance has become non-compulsory insurance.

Due to compulsory traffic insurance.

The compensation for third-party property damage and medical expenses is low, and third-party liability insurance can be considered as a supplement to compulsory traffic insurance.

Legal analysis: the third-party liability insurance with equal liability is first compensated by the compulsory traffic insurance, the insufficient part is compensated according to the commercial insurance, and the insufficient part is compensated by the responsible person. In the case of both parties' liability, the compulsory liability insurance can compensate each other within the insured amount of the compulsory liability insurance, and the commercial insurance will be compensated according to the proportion on the liability determination letter, and the compulsory liability insurance as long as there is responsibility (secondary liability, same liability, primary responsibility, full liability) is early, and the amount of compensation in the compulsory three liability insurance is the same, because the compulsory three liability insurance is only divided into liability and non-liability.

Legal basis: Article 1213 of the Civil Code of the People's Republic of China If the damage caused by a traffic accident of a motor vehicle is the responsibility of 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 the damage is still insufficient or the commercial insurance of the motor vehicle is not insured, the infringer shall compensate.

Hello, I am a salesman of Shenzhen Ping An, and car insurance is my business.

Commercial auto insurance. It is divided into many different types of internal closures: car damage insurance, third-party liability insurance.

Injury insurance for people on the vehicle, theft insurance, glass breakage insurance, spontaneous combustion insurance, etc.

If you are the party responsible for the accident, whether you encounter another vehicle or objects outside the car, you will be compensated by the compulsory traffic insurance and the third party insurance, and the compulsory traffic insurance will pay first, and the insufficient part will be compensated by the third party insurance. For the injury of the driver and passengers in the car, the third-party insurance is not compensated, depending on whether you have purchased the car injury insurance.

If the third party is responsible for the accident, the loss of your car and the injuries to the occupants of the car are covered by the third party's third party insurance for the third party's vehicle.

Yes, the other party's compulsory traffic insurance and third-party insurance need to cover the compensation for the loss of your vehicle and personal injury.

I hope the above reply is clear enough.

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Liability insurance for the third person with a vehicle cover.

Scope of compensation: The insurance company shall compensate the insured motor vehicle within the liability limit for the personal and property damage of the victim caused by a traffic accident (except for the vehicle personnel and the insured), and the main compensation items are: death and disability expenses, medical expenses, and property losses of the third party.

Three-person insurance or car insurance?

Both the person and the car are insured, but the object of compensation is only a third party, so if the owner of the car who has purchased the third party insurance has a collision accident, the car owner will not be able to get compensation for his own losses. In fact, the three insurances are very similar to the compulsory liability insurance, both of which are oriented to the other party, but the compensation limit of the three insurances is higher than that of the compulsory traffic insurance.

1. Death and disability expenses.

Under the limit of compensation for death and disability and the limit of compensation for death and disability without liability, the load is compensated for funeral expenses.

Death compensation, transportation expenses paid by the victim's relatives for funeral matters, disability compensation, disability auxiliary concealment equipment, and nursing expenses.

Transportation expenses, living expenses for dependents, accommodation expenses, and lost work expenses.

Solatium for moral damages borne by the insured in accordance with the court judgment or mediation.

2. Medical expenses.

Under the compensation limit for medical expenses and the compensation limit for non-liability medical expenses, it is responsible for compensating for medical expenses, outpatient expenses, hospitalization expenses, inpatient food subsidies, follow-up expenses, nutrition expenses, etc.

3. Property damage expenses: including the cost of the other party's vehicle and vehicle cargo loss.

Note: Under normal circumstances, third-party liability insurance is not fully compensated, and if the car owner wants to get full compensation, he must purchase deductible insurance.

Yes, and the insurance company can only cover the full cost of compensation within the limit, and if you do not purchase this insurance, you cannot get a full escort.

One of the three insurances does not count the free rate, and if the car owner is responsible for the full liability, primary liability, equal liability, and secondary liability, then the insurance company will deduct % respectively. For example, if an accident needs to bear full responsibility and pay 1 million yuan, the insurance company has 20% free odds and can only pay 800,000 yuan, and the rest is borne by the car owner.

All three. The compensation for the car is also for the person, but after the insured accident occurs in the insured vehicle, the third party (excluding the insured person and the person in the car) caused the person** and property damage caused by the accident.

The so-called third party, the first and second parties are the insurance company and the insured, so this third party is a person or thing other than the first two.

1. Does the third-party liability insurance pay for the other party's vehicle?

1. The third-party liability insurance pays the other party's vehicle. Because third-party liability insurance refers to a kind of insurance that causes property damage or personal injury to a third party due to the negligence of the insured, and the insurance company compensates the third party's property or pays for the third party's personal injury, so the other party's car loss also needs to be compensated.

2. Legal basis: Article 75 of the Road Traffic Safety Law of the People's Republic of China.

Medical establishments shall promptly rescue injured persons who are confused in traffic accidents, and must not delay treatment because rescue expenses are not paid in a timely manner. If the vehicle involved in the accident participates in the compulsory third-party liability insurance of the motor vehicle, the insurance company shall pay the rescue expenses within the liability limit; If the rescue expenses exceed the liability limit, and those who do not participate in the compulsory third-party liability insurance of motor vehicles or escape after the accident, the road traffic accident social rescue shall pay part or all of the rescue expenses in advance, and the road traffic accident social assistance management agency.

2. What is the difference between vehicle damage insurance and third-party liability insurance?

1. The nature is different, vehicle loss insurance is a typical vehicle insurance, while third-party liability insurance is liability insurance;

2. The object of compensation is different, the car damage insurance is to compensate the insured vehicle, and the third party liability insurance is to compensate the third party who suffers personal or property economic losses. In terms of the simple file judgment, the car damage insurance is paid to oneself, and the three insurances are paid to others;

3. The scope of compensation is different, car insurance is to compensate for damage to the vehicle, while third-party liability insurance is to compensate for personal injury or property damage. The former only pays for the car, and the latter pays for both the car and the person.