If a family member is involved in a traffic accident in the car, it is not covered by the three liab

The people on the car have special seat insurance, which does not belong to the scope of the three insurance, but some insurance companies will not make claims for traffic accidents between the policyholder and his immediate family members to the person**, here is to divide the situation, if it is an unintentional act should be claimed in the scope of the traffic accident insurance (the injured person himself or the guardian of the injured person can file a lawsuit against the person responsible for the accident and the insurance company), if the ** proves that it is intentional, then the nature will change to a criminal case, and the insurance company can not make a claim (fraudulent insurance), In a previous case, the father reversed his car and inadvertently hit the child, and the insurance company refused to pay compensation, and the mother took the father (the fully responsible party, the first defendant) and the insurance company (the second defendant), and the insurance company could not prove whether the responsible person acted intentionally at the trial, and supported the litigation party's claim.

1. If the family members have a traffic accident on the car, according to the current regulations, it does not belong to the scope of the three liability insurance claims, but if there is passenger insurance, it can be compensated according to the passenger insurance, and the personnel on the car do not belong to the third party.

2. The scope of exemption of third-party liability insurance stipulated in the "Motor Vehicle Insurance Clause" includes the personal or property damage of other persons in the car.

The people sitting in the car and their family members (whether in the car or outside the car) are not a third party, in order to avoid the risk of insurance fraud.

The definition of third-party liability insurance is very clear, it is not an overlord clause, and the risk of the people in the car can be solved by insuring seat insurance and other types of insurance.

It seems to say that if you are fully responsible, your insurance company will not pay for the injuries of the people in the car (so there is an insurance for the seats of the people on the bus), and if the other party is fully responsible, the other party's insurance company will pay for it.

Traffic accidents, the scope of third-party liability insurance compensation, including the loss of the other party's vehicle, the other party's personnel** and medical treatment, and the loss of the goods on the vehicle, are covered by third-party insurance.

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Hello, I am a cooperating lawyer and it is a pleasure to serve you.

The scope of compensation for third-party liability insurance is the nursing expenses incurred in the course of medical treatment, medical expenses caused by accidents, daily living expenses such as lost work expenses, meal expenses, transportation expenses, etc., and compensation in accordance with regulations in the event of death or disability caused by accidents.

Article 17 of the Road Traffic Safety Law stipulates that the State implements a compulsory third-party liability insurance system for motor vehicles and establishes social assistance for road traffic accidents. The specific measures are stipulated by ***.

Article 12 of the Insurance Law provides that the policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract. The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event. Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance. The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

Article 12 of the Insurance Law provides that the policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract. The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event. Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance. The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

The compensation scope of third-party liability insurance is: personal ** and direct damage to property. Person**:

The physical injury of a person or the termination of a person's life. Direct damage: An accident occurs in the insured vehicle, which directly causes the actual damage to the existing property of others at the scene of the accident.

Economic compensation liability that shall be borne by the insured in accordance with the law: refers to the amount of compensation that should be paid by the insured (or driver) for the accident liability borne by the insured (or driver) in accordance with the measures for handling road traffic accidents and relevant laws and regulations.

The insurer does not unconditionally and fully bear the "economic compensation liability that the insured shall bear in accordance with the law", but compensates in accordance with the Measures for the Handling of Road Traffic Accidents and the provisions of the insurance contract. If the insured of the liability insurance causes damage to a third party, and the liability of the insured to the third party is determined, the insurer shall, at the request of the insured, directly compensate the third party for the insurance money. If the insured fails to make a request, the third party has the right to directly claim compensation from the insurer for the part of the compensation to be paid.

The scope of compensation for traffic accident third party liability insurance refers to the part that all third parties need to compensate except for you and the vehicle, including the injured person's lost work expenses, medical expenses, nutrition expenses, etc.

The scope of compensation of traffic accident third-party liability insurance is to compensate the other party's car damage beyond the part of the compulsory traffic insurance for the injured person's medical expenses, lost work expenses, nutrition expenses, nursing expenses, transportation expenses, death compensation, and loss of goods.

Summary. The third-party liability insurance compensates the victim (third party) other than the insured vehicle, and the third party does not include the person in the car, the policyholder, and the insured, so the third-party liability insurance does not compensate for the accident of the same car.

The third-party liability insurance compensates the victim other than the insured vehicle (the third party in the world), and the third-party socks of the spinal fissure do not include the persons in the car, the policyholder, and the insured, so the third-party liability insurance does not compensate for the accident of the person in the same car.

Hit someone while driving.

If the third party is not enough to compensate, can I continue to compensate with the car personnel insurance?

Hold on. If it is not enough, you can use the car occupant insurance.

Vehicle personnel liability insurance: is a lack of liability insurance, only the car because of the driver's responsibility caused by the accident, the formation of the car personnel personal injury, can be a friendly key to get compensation. If the other party's vehicle is responsible, then the occupants of the vehicle will not be compensated by the liability insurance.

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1. Vehicles in danger. There is no restriction on the types of vehicles covered by third party liability insurance, i.e. all types of motor vehicles or professional vehicles can be insured, except for driving a car without a license. The use of an insured vehicle includes the process of driving and parking the vehicle.

2. Collision liability. If the insured vehicle collides with an uninsured vehicle, resulting in damage to the driver, passengers** or goods loaded on the uninsured vehicle, Serry Sakura is liable for compensation to a third party. If both parties are insured in the event of a collision, then the losses of both parties are covered by third party liability insurance.

1. How much is commercial insurance third-party liability insurance?

When the third-party liability insurance calculates that the insured vehicle has an accident and causes the third party's personal **, the insurance company shall determine the amount of compensation in accordance with the relevant laws, regulations and the provisions of the insurance contract, and give compensation. This is the compensation of the liability insurance of the third suspect. According to the provisions of the "Motor Vehicle Insurance Clause" (Bao Jian Fa 2000 No. 16), the maximum compensation limit for each accident of third party liability insurance shall be determined according to the selection of different vehicle types:

1) In different regions, the maximum compensation limit for motorcycles and tractors is divided into four grades: 20,000 yuan, 50,000 yuan, 100,000 yuan and 200,000 yuan; (2) The maximum compensation limit for other vehicles is divided into six grades: 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan, and the maximum is not more than 10 million yuan; (Three-mode letter) trailer and the main car after insurance.

In the event of an insured accident, the liability arising from the trailer shall be deemed to be the same as the liability arising from the main vehicle. The sum of the insurer's liability for the trailer and the main vehicle shall be limited to the limit of the main vehicle.

The specific calculation method of third-party liability insurance compensation is divided into the following two situations: (1) When the amount of third-party compensation payable by the insured exceeds the compensation limit. Insurance company's compensation limit x (1 - free odds) (2) When the insured's third-party ** compensation amount is lower than the compensation limit, the insurance company shall pay the third-party liability insurance amount as follows:

The amount of compensation payable by the insurance company x (1 - free odds).

Second, the concept of motor vehicle insurance.

Vehicle insurance, i.e., motor vehicle insurance, abbreviated as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles. Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles.

At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.