Do I need to pay for a traffic accident with full insurance car insurance?

After buying a car with full insurance, you don't have to pay for it yourself in an accident, this sentence is wrong.

First of all, there is no full insurance in car insurance, but only the main insurance and several additional insurance cannot be said to be fully insured.

Loss in excess of the sum insured.

In car insurance, many types of insurance have an insured amount, except for some such as car damage insurance, theft insurance, etc., which are fixed according to the price of the car, such as the three insurance, the car personnel liability insurance can choose the amount of insurance.

The insurance amount of the three insurance can be selected from 50,000 to 2 million, and generally the current vehicles are insured to 1 million, no way, there are many cars, and you can't afford to pay if you don't pay attention.

The liability insurance for people on the car is also from 10,000 to 100,000 yuan, which is to ensure the safety of the people in your car, but the insurance amount is indeed relatively low.

If the insurance amount is too small, resulting in an accident, the part that the insurance needs to pay is not enough to fully cover the loss, then the excess part will definitely need to be paid by the car owner.

I have not purchased the corresponding type of insurance.

Since there are many types of insurance in car insurance, such as glass insurance, scratch insurance, etc., if you do not purchase this type of insurance, if there is a corresponding accident, you may not be able to pay for car damage insurance.

For example, if the glass is broken alone, if there is no glass insurance, then the car damage insurance is not compensated, and the owner can only pay out of his own pocket.

The deductible clause in car insurance is something to keep in mind.

In some cases, the insurance company will directly refuse the claim.

For example, drunk driving, drunk driving, drug driving, etc., there are other deductible clauses listed in the car insurance contract.

In this case, the insurance company will not pay, and the car owner will have to pay out of pocket.

If you exceed the insurance limit, you need to pay for it yourself.

The non-medical insurance part needs to be borne by yourself.

Generally, you don't need to pay for it yourself, but if you exceed the liability limit of the insurance compensation, you need to pay for it. The part exceeding the limit of insurance liability shall be liable for compensation according to the division of responsibilities between the two parties to the accident. If the loss of a traffic accident is caused by a non-motor vehicle driver or pedestrian intentionally colliding with a motor vehicle, the motor vehicle party shall not be liable for compensation.

If there is a traffic accident in the full insurance car insurance, and the compensation cost is within the limit of compulsory insurance liability, the owner himself does not need to pay. If the owner of the vehicle has not purchased compulsory traffic insurance or exceeds the liability limit of the compulsory insurance, the owner shall be liable for compensation.

Legal basis. Article 1213 of the Civil Code of the People's Republic of China [Order of Compensation for Entities Bearing Responsibility for Traffic Accidents]If a motor vehicle is responsible for damage caused by a traffic accident and is the responsibility of the motor vehicle, the insurer that underwrites 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 it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.

Hello, you generally don't need to pay for a traffic accident with full insurance car insurance, but if you exceed the liability limit of the compensation for the collapse hail insurance, Tuanfan needs evidence to pay. The part exceeding the limit of insurance liability shall be liable for compensation according to the division of liability between the two parties to the accident.