How to pay for compulsory traffic insurance? How is the compulsory traffic insurance paid?

Compensation standard of compulsory traffic insurance:

1. Compensation limit for the liability of motor vehicles in road traffic accidents:

1. Compensation limit for death and disability: 110,000 RMB;

2. Compensation limit for medical expenses: 10,000 RMB;

3. Compensation limit for property damage: 2,000 yuan.

2. Compensation limit for motor vehicles that are not responsible in road traffic accidents:

1. Death and disability compensation limit: 11,000 yuan;

2. Compensation limit for medical expenses: 1,000 RMB;

3. Compensation limit for property damage: 100 RMB.

Article 19 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that after the occurrence of an insured accident, the insurer shall comply with the scope, items and standards of compensation stipulated by the relevant laws and regulations of the state and the provisions of the compulsory traffic insurance contract;

And according to the guidelines for clinical diagnosis and treatment of traffic accident trauma and the national basic medical insurance standards formulated by the competent health department, the compensation amount of personal insurance shall be approved within the liability limit of compulsory traffic insurance.

The compensation amount of compulsory traffic insurance mainly includes three kinds of expenses, namely death and disability expenses, medical expenses and property damage expenses, among which the liability compensation limit for death and disability is 110,000 yuan, the compensation limit for medical expenses is 10,000 yuan, and the compensation limit for property damage expenses is 2,000 yuan. Of course, there is also an exemption scope for compulsory traffic insurance, if the victim does it intentionally, it will never be compensated, in addition, there are relatively exempt circumstances such as intentional driving, unlicensed driving, drunk driving, and car theft.

If the other party is fully responsible, the 10,000 yuan you spend on repairing the car can be fully reimbursed within the limit of 20,000 yuan of the compulsory traffic insurance.

The medical compensation amount of compulsory traffic insurance is 10,000 yuan, and the property compensation amount is 2,000 yuan, as long as the other party is responsible, the compulsory traffic insurance will compensate within the limit, regardless of the size of the liability. If the compulsory traffic insurance is insufficient, the remaining part shall be borne separately according to the proportion of liability.

Compulsory traffic accident insurance includes: 10,000 yuan of medical expenses, 110,000 yuan of disability compensation, and 2,000 yuan of vehicle maintenance costs. As long as you do not bear full responsibility in the accident, compulsory insurance is to pay in advance regardless of liability.

Compulsory liability insurance is settled in the following ways:

1. Report the case in a timely manner. Even if you are out of town, you can enjoy the fast claim service of the local insurance company after calling the report**.

2. One**, double service. In the event of an accident involving a person**, an application for emergency medical assistance can be issued by calling **. Ensure that the victim receives treatment as soon as possible, and reduce the injuries and losses caused by the accident.

3. Compulsory traffic insurance, with or without liability, will be compensated. After an accident, you should ask and check whether the other party has compulsory traffic insurance", because if the other party has compulsory traffic insurance, no matter how the accident responsibility is divided, your losses can be compensated through the other party's compulsory traffic insurance.

4.Apply for the same company and enjoy fast claim settlement. If both parties to the accident are insured by the same insurance company, the claim process will be greatly simplified. And it's not hard to understand that if you choose a company with a large market share, you will increase the odds of doing so.

In addition, let's take a look at the compensation process of compulsory traffic insurance:

1. Contact the insurance company after a traffic accident;

2. The insurance company sends professionals to assess the loss;

3. The vehicle is sent to the repair shop for maintenance;

4. Bring the vehicle driving license, the driver's license of the accident driver, the accident certificate and other materials to the insurance company to go through the claim procedures.

According to Article 27 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if the insured or victim notifies the insurance company of a road traffic accident involving the insured motor vehicle, the insurance company shall immediately reply and inform the insured or victim of the specific compensation procedures and other relevant matters.

Article 28 stipulates that if the insured motor vehicle is involved in a road traffic accident, the insured shall apply to the insurance company for compensation for insurance money. The insurance company shall, within one day from the date of receipt of the compensation application, inform the insured in writing of the proof and materials related to the compensation that need to be provided to the insurance company.

Let's take a look at the amount of compensation for compulsory insurance:

Compensation limit for whether the motor vehicle is liable in a road traffic accident: Compensation limit for death and disability: 11,000 yuan;

Compensation limit for medical expenses: 1,000 yuan;

Compensation limit for property damage: 100 yuan.

Limits of compensation for liability in traffic accidents:

Death and disability compensation limit: 110,000 yuan;

Compensation limit for medical expenses: 10,000 yuan;

Compensation limit for property damage: 2,000 yuan.

If the compulsory traffic insurance claims are made in the case of a road traffic accident involving a third party** or property damage, the insured should first contact 120 emergency ** (if there is a person**), call 122 traffic police**, and call the insurance company's customer service** to report the case, cooperate with the insurance company to investigate the scene, and may require the insurance company to pay or advance the rescue fee according to the situation.

The insurance company shall, within 1 day from the date of receipt of the compensation application, inform in writing of the certificates and materials related to the compensation that need to be provided; Within 5 days from the date of receipt of the certificate and materials, the insurance liability shall be verified and the result shall be notified to the insured. If it is not an insurance liability, the reasons shall be explained in writing. For those who are liable for insurance, the insurance money shall be paid within 10 days after reaching an agreement with the insured to compensate the insurance money.

Regardless of whether you are the primary or secondary responsibility, as long as you are responsible, the compulsory traffic insurance will pay 10,000 yuan for personal injury.

The part exceeding 10,000 yuan will be compensated by the third-party liability insurance, and at this time, it will depend on your liability to pay proportionally. The main responsibility is about 70%, and the secondary responsibility is about 30%. The insurance company can reimburse you for all the money you need to bear.

Lost time pay can be matched, as long as the hospital issues a certificate of how long you can't work, and the income certificate of the other party's work unit. Nutrition expenses can not be reported, transportation expenses can be reported, but only bus fares, not a few dollars, generally do not report, because there is still a ticket or something. If you want to renew the medical treatment, this depends on the specific investigation and review of the doctor and the insurance company.

It depends on the situation.

Hello, compulsory traffic insurance is to compensate the other party's vehicle, that is, the compulsory traffic insurance only compensates the third party, not the car, the compulsory traffic insurance compensation is divided into three property 2,000 yuan, personal injury 18,000 yuan, **180,000. Hope it helps!

If the car owner does not buy compulsory traffic insurance, will he pay according to the ratio when paying compensation?

1. Scope of compensation for compulsory traffic insurance. Any loss caused to a third party (except for the car and the people on the car), regardless of whether it is liable or not, is within the scope of compulsory traffic insurance.

2. The amount of compensation for compulsory traffic insurance.

1) When there is responsibility, the maximum compensation for the property loss of the three parties is 2,000 yuan, the maximum compensation for the medical expenses of the three parties is 10,000 yuan, and the maximum compensation for the death and disability of the three parties is 110,000 yuan.

2) When there is no liability, the maximum compensation for the property loss of the three parties is 100 yuan, the maximum compensation for the medical expenses of the three parties is 1,000 yuan, and the maximum compensation for the death and disability of the three parties is 11,000 yuan.

3) Medical expenses include: medical expenses, diagnosis and treatment fees, hospitalization expenses, inpatient meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery expenses, and nutrition expenses.

4) Death and disability expenses include: funeral expenses, death compensation expenses, 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 through judgment or mediation.

1. How to pay for compulsory traffic insurance.

1. The payment method of compulsory traffic insurance is as follows:

1) The compensation limit for death and disability is 110,000 yuan;

2) The compensation limit for medical expenses is 10,000 yuan;

3) The compensation limit for property damage is 2,000 yuan;

4) When the insured is not liable, the compensation limit for death and disability without liability is 11,000 yuan; The compensation limit for non-liability medical expenses is 1,000 yuan; The compensation limit for non-liability property damage is 100 yuan.

2. Legal basis: Article 6 of the Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The liability limit in the compulsory traffic insurance contract refers to the maximum amount of compensation borne by the insurer for the personal and property losses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle. Among them, the compensation limit of no liability is divided into the compensation limit for death and disability without liability, the compensation limit for medical expenses without liability and the compensation limit for property damage without liability.

2. What is the difference between compulsory traffic insurance and commercial insurance?

1. The nature is different. The biggest difference between compulsory liability insurance and commercial insurance is in terms of nature, compulsory liability insurance is required to be purchased by the state, while commercial insurance is voluntary. Moreover, compulsory traffic insurance is only a single type of insurance, while commercial insurance contains many types.

Car owners can choose several of these insurances according to their own needs, the most commonly insured are vehicle loss insurance, third-party liability insurance, theft insurance, vehicle personnel liability insurance, etc.;

2. Premiums are different. The premium of compulsory traffic insurance and the premium of commercial insurance are different, the premium of compulsory traffic insurance is uniformly stipulated by the state, and the premium of the first year of the new car is generally 950 yuan, and then it will fluctuate to a certain extent according to the accident situation of the vehicle in the previous year. The premium of commercial insurance is determined according to the insurance product you buy and the specific condition of the vehicle.

Summary. (4) When the insured is not liable, the compensation for death and disability without liability is 1,100 yuan: the credit limit for medical expenses is 1,000 yuan

The compensation limit for the death and disability of the non-liability property and the compensation for the death and disability of the non-liability property is 100 yuan. **Fee. Transportation expenses, living expenses, accommodation expenses, and lost work responsibilities of the dependents, and the insured shall be paid a solatium for moral damages in accordance with the court judgment or mediation.

out of the cost of transportation. Disability Compensation Association, Disability Assistive Device Fee. Nursing expenses, medical expenses compensation limit and non-liability medical aesthetic use compensation limit under the compensation limit for the wife of the negative wife, medical competition, diagnosis and treatment expenses, poor life regulations, food subsidies, necessary.

Reasonable follow-up ** fee, plastic surgery fee, nutrition fee.

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How to pay for compulsory traffic insurance, dear and proar, after a traffic accident, compulsory traffic insurance is responsible for compensation within the following compensation limits: (1) The compensation limit for death and disability is 110,000 yuan; .2) The compensation limit for medical expenses is 10,000 yuan; (3) The limit of compensation for property damage is 2,000 yuan.

(4) When the insured is not liable, the compensation for death and disability without liability is 1,100 yuan: the credit limit for medical expenses is 1,000 yuan: the compensation limit for death and disability without liability and the compensation limit for death and disability without liability is 100 yuan.

**Fee. Transportation expenses, living expenses, accommodation expenses, and lost work responsibilities of the dependents, and the insured shall be paid a solatium for moral damages in accordance with the court judgment or mediation. out of the cost of transportation.

Disability Compensation Association, Disability Assistive Device Fee. Nursing expenses, medical expenses compensation limit and non-liability medical aesthetic use compensation limit under the compensation limit for the wife of the negative wife, medical competition, diagnosis and treatment expenses, poor life regulations, food subsidies, necessary. Reasonable follow-up ** fee, plastic surgery fee, nutrition fee.

Now there is a traffic accident, the perpetrator is fully responsible, and now the person who was hit has multiple fractures all over his body, and it will take about 70,000 or 80,000 medical expenses, will this part of the compulsory traffic insurance pay for it?

Kiss, yes.

Compulsory traffic insurance compensation process:

1.Report. After the vehicle is insured with compulsory traffic insurance, the owner calls the customer service of the insurance company to report the accident;

2.Investigation. The owner of the car cooperates with the insurance company to investigate the scene, and can require the insurance company to pay or advance the rescue fee according to the situation;

3.Submit supporting documents. The insurance company shall, within 1 day from the date of receipt of the compensation application, notify in writing of the required certificates and materials related to compensation;

4.Audit. Within 5 days from the date of receipt of the certificate and materials, the insurance liability shall be verified and the result shall be notified to the insured.

5.out of the results. If it is not an insurance liability, the reasons shall be explained in writing. For those who are liable for insurance, the insurance money shall be paid within 10 days after reaching an agreement with the insured to compensate the insurance money.

Warm reminder] It is very important to report the accident in time, especially for major accidents. When calling the insurance company to report the accident, you need to have the policy number, the time, place, and the nature of the accident.

The compensation of compulsory traffic insurance shall be paid by the insurance company within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. The liability limits of compulsory traffic insurance can be divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not responsible in road traffic accidents.

Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 21.

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. The loss of a road traffic accident is intentionally caused by the victim and the insurance company will not compensate for it.

Regulations on Compulsory Insurance for Liability for Motor Vehicle Traffic Accidents

Article 23.

Compulsory liability insurance for motor vehicle traffic accidents implements a uniform liability limit nationwide. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents. The liability limit of compulsory insurance for motor vehicle traffic accident liability shall be prescribed by the insurance supervision and administration agency in conjunction with the public security department, the health department and the agriculture department.