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Compulsory traffic insurance is mainly composed of insurance companies to compensate the victim's personal and property losses caused by road traffic accidents of the insured motor vehicle within the liability limit. As long as the insured vehicle is responsible for the accident, the medical expenses will be compensated according to the actual expenses, and the maximum compensation limit is 10,000 yuan. The coverage of compulsory liability insurance includes:
Compensation for death and disability, medical expenses, and property damage, etc. Among them, the 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 is 2,000 yuan.
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In the case of no medical expenses involved, up to 2,000 yuan.
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If there is only compulsory traffic insurance, its loss ratio itself is quite low, so it depends on how it is written when you enter the insurance, and you can say how much you will be paid. It should be too much.
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The person in the compulsory traffic insurance was injured and not hospitalized. What is the maximum loss, this must be different, this everyone's compensation is destined to be different, so the cash payout is different.
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Hello, if you are injured and not hospitalized, if you are within the scope of the compulsory traffic insurance, you will be compensated for the victim's medical expenses and other up to 2,000 yuan.
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If you are not hospitalized for the injury of the compulsory traffic insurance, the insurance will not compensate you.
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Hello, someone was injured in the compulsory traffic insurance and was not hospitalized, and the compulsory traffic insurance needs to be claimed according to the hospital bill of the injured person, thank you.
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How much is the maximum compensation for the person who is not hospitalized in the compulsory traffic insurance? If I only have cross-traffic compulsory insurance, all with one type of insurance, if I am not hospitalized, I can pay about 1,000 yuan below 1,000 yuan at most.
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The reimbursement scope of the minimum hospitalization** expenses of compulsory traffic insurance is less than 10,000 yuan. You can see a doctor first and then go for reimbursement.
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You can also pay a part of this, but it may not be too much.
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Compulsory traffic insurance is not a compensation as long as someone is injured. As long as an accident occurs, no one needs to be injured, and the motor vehicle is responsible, and the compulsory traffic insurance of the motor vehicle will be immediately activated for compensation. Compulsory traffic insurance is a compulsory liability insurance for the personal and property losses of the victim caused by a road traffic accident of the insured motor vehicle, excluding the vehicle personnel and the insured, within the liability limit.
Does the compulsory liability insurance take effect immediately?
Compulsory liability insurance can take effect immediately. After purchasing compulsory traffic insurance, it usually takes effect from 0:00 on the next day. The effective time of compulsory liability insurance generally has a specific effective time in the compulsory liability insurance policy.
If you inform the staff at the time of application and ask for immediate effect, it can be done immediately. In accordance with relevant laws and regulations, 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 ***.
Legal basisArticle 21 of the Regulations of the People's Republic of China 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.
The loss of a road traffic accident is caused by the victim's good intentions and the insurance company will not compensate for it.
Article 8. If the insured motor vehicle has not been involved in road traffic safety violations or road traffic accidents, the insurance company shall reduce its insurance premium rate in the following year. In the following years, if the insured motor vehicle still does not have road traffic safety violations or road traffic accidents, the insurance company shall continue to reduce its insurance premium up to the minimum standard.
If the insured motor vehicle is involved in a road traffic safety violation or road traffic accident, the insurance company shall increase its insurance premium rate in the following year. In the event of multiple road traffic safety violations, road traffic accidents, or major road traffic accidents, insurance companies shall increase the range of their insurance premiums. If the insured is not at fault in a road traffic accident, the insurance rate shall be increased before the accident.
The standard for reducing or increasing the insurance rate shall be formulated by the China Insurance Regulatory Commission in conjunction with the public security department.
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If the injured person can be compensated, the highest level of disability can be compensated 110,000 yuan, and the medical expenses of hospitalization can be compensated up to 10,000 yuan.
In the event of a traffic accident, as long as there is liability (secondary liability, same liability, primary responsibility, and full liability), the amount of compensation in the compulsory three liability insurance is the same, because the compulsory three liability insurance is only divided into liability and non-liability. The compensation limit for the liability of the compulsory three-liability insurance is 110,000 yuan for death and disability, 10,000 yuan for medical expenses, and 2,000 yuan for property damage.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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Legal analysis: According to the provisions of the "Compulsory Insurance Clause for Motor Vehicle Traffic Accident Liability", the maximum compensation limit for personal injury of compulsory traffic insurance is 10,000 yuan.
Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability
Article 21 In the event of a road traffic accident involving an insured motor vehicle that 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 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 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 person who destroys the driver's hood has not obtained driving qualifications or is drunk; (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 some 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 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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Legal Analysis: Compensable. The purpose of compulsory traffic insurance is to compensate a third party, 110,000 yuan for personal injury and death, 10,000 yuan for medical treatment, and 2,000 yuan for property. The above is the total insured amount of compulsory traffic insurance, and the specific amount of compensation depends on the invoice.
Legal basis: compulsory traffic insurance clause Article 9 If the insured motor vehicle has a traffic accident under one of the circumstances of (1) to (4) of this article, causing the victim to be injured and needs to be rescued, the insurer shall verify in accordance with the guidelines for clinical diagnosis and treatment of traffic accident personnel and the national basic medical insurance standards after receiving the written notice of the traffic management department of the public security organ and the list of rescue expenses issued by the medical institution. For the rescue expenses that meet the regulations, the insurer shall pay in advance within the compensation limit for medical expenses.
If the insured is not liable in the traffic accident, the insurer shall pay in advance within the compensation limit for medical expenses without liability. For other losses and expenses, the insurer is not responsible for advance payment and compensation.
1) The driver is not qualified to drive (2), the driver is drunk (3), the insured motor vehicle is stolen and robbed (4), and the insured intentionally causes a traffic accident.
The insurer has the right to recover from the victim for the rescue expenses paid in advance.
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Legal Analysis: No. As long as an accident occurs, no one needs to be injured, and the motor vehicle party has the responsibility to serve the relatives, and the compulsory traffic insurance of the motor vehicle will be immediately activated for compensation.
Legal basis: Compulsory insurance clause for motor vehicle traffic accident liability Article 8 In the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), if the insured has a traffic accident in the course of using the insured motor vehicle, resulting in personal or property losses to the injured person, the insurer shall be liable for damages borne by the insured in accordance with the provisions of the compulsory traffic insurance contract, and the insurer shall be responsible for compensation within the following compensation limits for each accident in accordance with the provisions of the compulsory traffic insurance contract.
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I really don't know if the 15%** upstairs is coming, I can send you the detailed rules if needed. 10% if you haven't been out of insurance for one year, 20% if you've not been out of insurance for two years, and if you haven't been out of insurance for the first two years, you can already drop by 20%. In the third year, there was an accident, and the year did not enjoy the float, and the back continued to float by 10%, the highest float was 30, that is, 7% off, the original price of the 5-seater car for family use was 950, and the lowest could be lowered to 665, which was the ticket price, and the salesman could be a little more discounted. >>>More