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If the three strong insurance is not enough, then you can only compensate yourself, it is recommended that you still insure the amount of insurance a little higher, and after the accident is handled, you can go to the insurance company to approve the amount of insurance for the three parties.
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The maximum insurance of the three is 50 million, find an insurance company to calculate.
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If it's really not enough, you can only pay for it yourself, so you have to buy insurance for the three
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If the insurance liability is not enough, you can only bear it yourself.
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Legal analysis: According to domestic laws and regulations, we can pursue liability after the accident can file a lawsuit with the responsible party and the insurance company together, and the company underwriting the compulsory traffic insurance needs to compensate within the scope of the liability chain, and the insufficient part will be compensated by the infringer in accordance with the road traffic regulations.
Legal basis: "Regulations on the Insurance of Motor Vehicle Traffic Accident Liability".
Article 21 If a road traffic accident occurs in an 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 limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with 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 22 In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accidents, and shall have the right to recover compensation from the victim: (1) the driver has not obtained driving qualifications or is intoxicated; (2) The accident is caused during the theft and robbery of the insured motor vehicle; (3) The insured intentionally causes a road traffic accident. In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.
Article 24 The State shall establish social assistance for road traffic accidents** (hereinafter referred to as assistance**). In any of the following circumstances, the funeral expenses and part or all of the rescue expenses of the victim in the road traffic accident shall be paid in advance by the rescue, and the rescue management agency shall have the right to recover from the person responsible for the road traffic accident: (1) The rescue expenses exceed the liability limit of the compulsory insurance of the motor vehicle traffic accident liability; (2) The motor vehicle involved in the accident has not participated in the compulsory insurance of motor vehicle traffic accident liability; (3) Fleeing after a motor vehicle has been hit.
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Under the compulsory traffic insurance, the scope of compensation in this case is: medical expenses + death and disability expenses. The disability allowance shall be determined according to the disability level of the other party, combined with the per capita disposable income of the local urban area and the per capita net income of the rural area.
After a traffic accident, how to compensate for compulsory traffic insurance?
First, first of all, look at the compensation principle of compulsory traffic insurance.
1. The compulsory traffic insurance compensates for the losses of the other party.
Compulsory traffic insurance is a kind of liability insurance, which protects the liability of the car owner for the person and property of a third party. 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.
2. The compensation limit of compulsory traffic insurance is only related to "whether you are responsible or not", and there is no need to consider the division of responsibilities in the "Traffic Accident Identification Certificate".
2. Scope and amount of compensation for compulsory traffic insurance:
Any loss caused to a third party (except for the car and the people on the car) is covered by compulsory traffic insurance.
1. The compensation limit for the "liable" motor vehicle in a road traffic accident.
1) Compensation limit for death and disability: 110,000 RMB.
2) Compensation limit for medical expenses: 10,000 RMB.
3) Compensation limit for loss of financial and property transportation: 2,000 yuan.
2. The compensation limit for motor vehicles that are not responsible in road traffic accidents.
1) Death and disability compensation limit: 11,000 RMB.
2) Compensation limit for medical expenses: 1,000 RMB.
3) Compensation limit for property damage: 100 RMB.
3. Explanation of terms of compulsory traffic insurance.
1. Medical expenses include: medical expenses, diagnosis and treatment fees, hospitalization fees, hospital meal subsidies, necessary and reasonable follow-up expenses, plastic surgery fees, and nutrition expenses.
2. Death and disability expenses include: funeral expenses, death compensation, transportation expenses for funeral matters, disability compensation, disability assistive device expenses, nursing expenses, ** expenses, transportation expenses, living expenses for dependents, accommodation expenses, lost work expenses, and solatium for mental damage arising from judgment or mediation.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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Summary. Hello, if you hit someone else's car, the compulsory traffic insurance is not enough to compensate for the remaining part, which can only be borne by the parties themselves. However, if you are a victim of this traffic accident and do not have any responsibility, you only need to calculate the damage caused by the traffic accident, and the compensation part will be solved by the other party.
Hello. Chase yourself to the end of your own responsibility with others.
The vehicle has only paid compulsory traffic insurance.
If the vehicle in front of the vehicle is repaired more than two thousand, what to deal with.
Hello, if you hit someone else's car, the compulsory traffic insurance is not enough to compensate for the remaining part, which can only be borne by the parties themselves. However, if you are the victim of this traffic accident and do not have any responsibility, you only need to calculate the losses caused by the traffic accident, and the part of the compensation will be solved by the other party itself. <>
Hello, your full responsibility and there is no other insurance except for the Moxiang Compulsory Blind Book Insurance, and the compulsory traffic insurance has reached the highest amount of compensation, and the rest is only borne by ourselves. <>
Own. Responsibility.
Hello, let's try to find the traffic police for mediation and negotiation first. According to the law, after the accident, if both parties jointly request mediation, the traffic police can resolve the dispute on the spot and exercise the right to claim compensation. [Handshake Xingkai].
Because it is our sole responsibility, there is no better way than to negotiate to minimize losses<>
According to Article 21 of the Regulations on Compulsory Insurance and Undertaking of Motor Vehicle Traffic Accident Liability, if a road traffic accident occurs in an 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 limit of compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law. Regret is only <>
In the event of a road traffic accident, the other party will also pay vehicle depreciation after the responsibility is determined and the claim is settled, which should be a reasonable request, but there is no legal support at present, you don't have to pay attention to him and ask him to go through legal procedures. Because from the current legal support, the compensation for the traffic accident has included all the expenses, and there is no such thing as paying depreciation, if he has evidence, he can solve it through legal procedures.
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