Is compulsory traffic insurance the same for every car, and is compulsory traffic insurance and insu

It's different, BMW pays more than 100,000 yuan, and you get a 30,000 yuan car, will you buy it?

It has to do with the price of the car.

1. Is it okay to buy only one compulsory traffic insurance for car insurance?

1. Car insurance can only buy one compulsory traffic insurance. In addition, the commercial insurance is decided according to your actual situation. If the insured vehicle suffers from a natural disaster or accident within the scope of insurance liability, resulting in the loss of the insured vehicle itself, the insurer shall compensate in accordance with the provisions of the insurance contract.

Compulsory insurance is required during the annual examination of the car.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 11 of the Road Traffic Safety Law of the People's Republic of China.

It is stipulated that when driving a motor vehicle on the road, the motor vehicle number plate shall be hung, the inspection mark and insurance mark shall be placed, and the motor vehicle driving license shall be carried with the vehicle. The number plate of the motor vehicle shall be hung in accordance with the provisions and kept clear and complete, and shall not be deliberately covered or defaced. No unit or individual may confiscate or detain a motor vehicle license plate.

2. What is the scope of exemption and non-compensation of compulsory traffic insurance?

1. Personal injury and property loss caused by the victim's intentional behavior, such as suicide, self-harm, porcelain bumping, etc.;

2. The insured vehicle and the insured;

3. Arbitration or litigation fees and other related expenses caused by traffic accidents;

4. Consequential losses. For example, a vehicle is depreciated in value due to a collision.

Legally, it is possible, compulsory traffic insurance is mandatory, and other car insurance is based on personal needs. If it is driven in the countryside or suburbs, the route is fixed, and the level is high, it is okay to drive cautiously and the price is not high, otherwise it is not recommended to save this money, car insurance is still more important.

Compulsory traffic insurance [full name of compulsory insurance for motor vehicle traffic accident liability] is the first compulsory insurance system implemented by national laws and regulations in China.

The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability [hereinafter referred to as the "Regulations"] stipulate that compulsory traffic insurance is a compulsory liability insurance for the personal and property losses of the victims [excluding the vehicle personnel and the insured] caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

From the perspective of the subject matter, compulsory insurance belongs to liability insurance. It can be seen from Article 65 of the Insurance Law that the subject matter of insurance is the liability of the insured to a third party in accordance with the law. When the insurer causes damage to a third party to the insured of the liability insurance, the insurer may directly compensate the third party for the insurance money in accordance with the provisions of the law or the contract.

From a legislative point of view, compulsory traffic insurance is a legally compulsory insurance. According to Article 3 of the Regulations on Compulsory Insurance, the owner or manager of a motor vehicle driving on a domestic road shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the procedures prescribed by law. Article 5 of the "Regulations for the Implementation of the Traffic Safety Law" regards compulsory traffic insurance as a necessary condition for applying for motor vehicle license plates and driving licenses.

Compulsory traffic insurance is normally paid once a year, and the insurance premium is different according to the model and the type of vehicle is not the same.

Serial number vehicle details classification.

Premium. 1. Family car.

1. Family self-use cars with less than 6 seats.

Family cars with 6 seats or more.

2. Non-commercial buses.

3. Enterprises have less than 6 non-business cars.

4. Enterprise non-business cars: 6-10 seats.

5. 10-20 seats for non-business cars.

6. Enterprises have more than 20 non-business cars.

7. Non-commercial cars with less than 6 seats.

6-10 seats for non-commercial cars.

9. Non-commercial cars with 10-20 seats.

10. Non-business cars with more than 20 seats.

Because for new cars, compulsory traffic insurance is an insurance product that we must oblige, which is also clearly stipulated by relevant laws. For other insurance products for the vehicle, we only need to choose according to our personal needs, and other insurance products are not mandatory for us to purchase. When we have purchased compulsory traffic insurance, we can choose to appeal to the corresponding insurance company after encountering various traffic accidents on the road and causing us certain injuries.

Yes, but not recommended.

Driving out of the house can not guarantee 100% safe and smooth, now society, any accident, may make you bankrupt, buy a rest assured, buy a smooth, be sure to buy a three-party insurance + deductible, remember!!

Other types of insurance can be purchased by yourself!

Only pay a compulsory insurance, do not buy commercial insurance is in line with the legal requirements, according to personal needs, it is recommended to buy a new car full insurance, in the future between the affordable, generally buy compulsory insurance, car damage insurance, three more than 500,000 plus not deductible, and then want to save some do not buy car damage. In the later stage, according to the use time of the car or the needs of special working conditions, spontaneous combustion, wading, glass, etc. are selected.

What are the consequences of only buying compulsory liability insurance?

Summary. Hello dear! We'll be happy to answer for you; Compulsory liability insurance and insurance are together, "both need to be paid at the same time, and it is one policy."

The full name of compulsory traffic insurance is "compulsory liability insurance for motor vehicle traffic accidents", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit. Vehicle business insurance is an additional protection for private cars. Vehicle Business Insurance Details:

Third-party liability insurance, theft and rescue insurance, vehicle personnel liability insurance, vehicle loss insurance, body scratch loss insurance, spontaneous combustion loss insurance, and strong insurance without considering legal protection are also necessary guarantees for people to love cars.

Are compulsory liability insurance and insurance together?

Hello dear! We'll be happy to answer for you; Compulsory liability insurance and insurance are together, "both need to be paid at the same time, and it is one policy." The full name of compulsory traffic insurance is "compulsory liability insurance for motor vehicle traffic accidents", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

Vehicle business insurance is an additional protection for private cars. Details of vehicle business insurance: third-party liability insurance, theft rescue insurance, vehicle personnel liability insurance, vehicle loss insurance, body scratch loss insurance, spontaneous combustion loss insurance, regardless of the strong insurance type of legal protection, is also a necessary guarantee for people to love cars.

Relevant Legal Knowledge: Compulsory Insurance Payment for Motor Vehicle Traffic Accident LiabilityArticle 2 The compulsory insurance contract for motor vehicle traffic accident liability (hereinafter referred to as compulsory insurance) consists of this article, an application, an insurance policy, an approval letter and a special agreement. All agreements related to compulsory traffic insurance contracts shall be in writing. Article 3 The insurance premium rate of compulsory traffic insurance shall be linked to the insured's road traffic safety violations and traffic accident records, and a floating system shall be implemented.

You can only purchase the compulsory traffic insurance that the state stipulates must be purchased, and a copy of the compulsory traffic insurance is required for vehicle inspection.

In the event of a traffic accident, the cost of exceeding the compensation amount of compulsory traffic insurance needs to be borne by yourself, and it is normal to purchase commercial insurance by yourself.

Of course! And compulsory traffic insurance must be paid!

Unless you weren't going to drive this car back then!

Other commercial insurance is just to prevent the possibility of huge claims!

Is it okay to only buy compulsory liability insurance if the amount of compulsory traffic insurance is increased? Old driver: Yes, but the consequences are serious.