Can a third party vehicle and a vehicle with strong insurance be insured at the same time?

OK. 1. Third-party liability insurance is mainly an insurance that ensures that third-party victims in road traffic accidents receive timely and effective compensation. However, the aftermath of the accident needs to be handled by the insured.

The insurance company will pay you up to 30% of the limit of liability. In the past, the vast majority of local ** listed third-party liability insurance as a compulsory insurance type, and if you don't buy this insurance, the motor vehicle will not be licensed and can not be inspected annually.

2. After the introduction of compulsory motor vehicle traffic insurance (referred to as compulsory traffic insurance), third-party liability insurance has become non-compulsory insurance. Because the compulsory liability insurance is relatively low in terms of compensation for the property damage and medical expenses of the third party, the purchase of third-party liability insurance can be considered as a supplement to the compulsory liability insurance. Compulsory traffic insurance, the full name of compulsory motor vehicle traffic accident liability insurance, is the first compulsory insurance system implemented by national laws and regulations in China.

3. The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulate that compulsory traffic insurance is a compulsory liability insurance for the insured motor vehicle to compensate the victim within the liability limit for the personal and property losses caused by the road traffic accident of the insured motor vehicle, excluding the vehicle personnel and the insured.

4. The insufficient compensation of compulsory traffic insurance is supplemented by third-party insurance, and now, many car owners are insured with compulsory traffic insurance and third-party liability insurance of commercial insurance at the same time. In this case, after the accident, the compensation must be made within the liability limit of the compulsory traffic insurance, and if the compensation is insufficient, the remaining part will be supplemented by the third-party insurance of the commercial insurance. If the compensation has been met within the limit of the compulsory traffic insurance, the commercial insurance does not need to pay again.

Commercial insurance is a supplement to compulsory traffic insurance, and there is no problem of double copies.

5. The original commercial third-party insurance policy continues to be valid, according to the provisions of the Insurance Regulatory Commission, if the commercial motor vehicle third-party liability insurance has been purchased before July 1 this year and the policy has not expired, the original commercial third-party insurance policy will continue to be valid, but the driver should carry it with the car for future reference, and the original commercial third-party insurance should be insured in a timely manner after the expiration of the compulsory traffic insurance. In other words, if there is a commercial third-party insurance policy that expired before July 1, 2007, you can now skip the compulsory traffic insurance and purchase it after it expires.

1. Compulsory traffic insurance is a mandatory traffic liability insurance that must be purchased, and commercial insurance is a third-party liability insurance that is voluntarily purchased.

2. After the accident, the compulsory traffic insurance shall compensate the commercial insurance according to the proportion of liability, regardless of whether it is responsible or not.

3. The insurance company sets its own fixed commercial insurance premiums for compulsory traffic insurance.

4. The compensation limit of compulsory traffic insurance is fixed, and the compensation limit of commercial insurance is 50,000, 100,000, 200,000, 300,000, 500,000, 1 million, etc., which is not fixed.

Yes, but there are prerequisites for applying for compulsory insurance.

Yes, it is normal to take the compulsory traffic insurance first, and then go to the third party if the compulsory traffic insurance is not enough.

Yes, it is generally compulsory insurance first, and then third-party insurance.

1. The accident claim between the two parties is to compensate from the insured amount of the compulsory traffic insurance, and when the amount of the claim exceeds the insured amount of the compulsory traffic insurance, the insured amount of the third-party insurance will be used to compensate.

2. The liability limit of compulsory traffic insurance refers to the maximum amount of compensation borne by the insurance company for the personal and property losses of all victims of each insured accident in the event of a road traffic accident of the insured motor vehicle. The liability limit of compulsory traffic insurance of automobile insurance is divided into death and disability compensation limit of 110,000 yuan, medical expense compensation limit of 10,000 yuan, property damage compensation limit of 2,000 yuan, and the compensation limit of the insured who is not responsible in road traffic accidents.

3. Definition of third-party insurance: Commercial third-party insurance is an insurance type in which the insurance company is liable for the loss of a third party. The third party refers to. In addition to the policyholder, the insured, and the insurer, the third-party victim who suffers losses due to an accident on the insured vehicle.

1. Is it okay if the compulsory traffic insurance and the third party are not the same insurance company?

1. Compulsory car insurance and the third party can be separated from the two insurance companies, but when purchasing car insurance, the compulsory traffic insurance takes effect immediately, and the third party takes effect the next day. Sometimes, because the payment is made at different times, it will lead to a long time difference between the start and end time of the compulsory liability insurance and the third party, and it is easy to forget the renewal time of the compulsory liability insurance and the third party.

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

The owner or manager of a motor vehicle driving on the roads of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China. These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.

Article 3. The term "compulsory insurance for motor vehicle traffic accident liability" as used in these Regulations refers to the compulsory liability insurance in which the insurance company compensates within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents of the insured motor vehicle.

2. What is the scope of compensation for compulsory traffic insurance?

1. The compensation limit for the liability of the motor vehicle in the road traffic accident. 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;

2. The compensation limit for motor vehicles that are not responsible in road traffic accidents. The compensation limit for death and disability is 11,000 RMB, the compensation limit for medical expenses is 1,000 RMB, and the compensation limit for property damage is 100 RMB.

One. Compulsory traffic insurance is compulsory insurance, and only after purchasing compulsory traffic insurance can you drive on the road. Compulsory traffic insurance is compensation for the loss of the injured party, but the amount of compensation is limited, the maximum is only 10,000 yuan, and the car owner who has purchased car insurance does not compensate for his own losses.

Nowadays, traffic accidents occur frequently, and an ordinary collision and a rear-end collision cannot be solved by one or two thousand. This is where commercial auto insurance comes in.

Two. When it comes to commercial auto insurance, there are 3 that are highly recommended:

The first is: third-party liability insurance, third-party liability insurance is, to put it bluntly, a supplement to compulsory liability insurance, and the amount of compensation is larger than that of compulsory liability insurance. Third-party liability insurance is based on the size of the liability to pay the corresponding compensation, as follows:

1.Take full responsibility, and the liability deductible is 20%.

2.The main responsibility is 15% for the liability deductible

3.Equally responsible, the liability waiver is 10%.

4.Liability is secondarily liable, and the liability deductible odds are 5%.

That is, the insurance company has a certain deductible in the event of an accident.

The second is: car damage insurance.

Car damage insurance is a kind of compensation for the loss of your own vehicle, and the amount of car damage insurance will vary depending on the vehicle type. For car damage insurance, whether it is an old car, or whether it is an old driver or not, it is necessary to buy, no matter how good the driving technique is, there are mistakes, in order to have more protection, in order to travel more at ease, or to buy well.

The third is: deductible is not counted.

The above third-party liability insurance said that the insurance company has a certain deductible in the accident, and if you do not purchase the deductible, then you will not be able to get full compensation. Therefore, if you want to get full compensation, you need to purchase deductible insurance.

OK. Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle damage insurance and third party liability insurance.

Additional insurance includes full vehicle theft insurance (theft insurance), vehicle personnel liability insurance (driver liability insurance and passenger liability insurance), glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, and on-board cargo falling liability insurance. Vehicle suspension loss insurance, new equipment loss insurance, special insurance excluding deductibles, etc. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured.

On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

Question: How much does it cost to strengthen the insurance 13 people to pay 1oo million.

AnswerGenerally speaking, if you buy compulsory traffic insurance, third-party liability insurance, on-board personnel liability insurance, special insurance without deductible, theft insurance, and glass breakage insurance for a car of 1 million, the premium is about 8,450 yuan. Specifically, the compulsory car traffic insurance of 1 million yuan for less than 6 seats needs 950 yuan in the first year, and 1,100 yuan for more than 6 seats; The third-party liability insurance costs about 2,100 yuan; If you choose to insure a seat of 100,000 yuan, then the driver's seat will cost about 410 yuan, plus 1,040 yuan for four passengers, a total of about 1,450 yuan. Car damage insurance costs about 2,500 yuan; The premium of glass breakage insurance** is about 450 yuan; Theft insurance costs about 700 yuan; The premium for special insurance without deductible is about 350 yuan.

Overall, a car of 1 million yuan requires a premium of about 8,450 yuan.

Legal Analysis: Yes. 1. Compulsory automobile traffic insurance is compulsory to insure, and the traffic liability insurance must be purchased, and the commercial insurance is a voluntary third-party liability insurance.

2. After the accident of an automobile traffic accident, the compulsory traffic insurance shall compensate the industry insurance according to the proportion of liability, regardless of whether it is responsible or not. 3. The insurance company sets its own fixed business insurance premium, and the compensation limit of compulsory liability insurance is fixed. 4. The liability limit of compulsory traffic insurance is currently 10,000 yuan, and under the liability limit of 10,000 yuan, the sub-limit compensation is implemented, specifically 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 vehicle property damage is 2,000 yuan.

Therefore, in the current reality, many drivers after insuring compulsory traffic insurance, and then insure one or more commercial insurance, such as more than 100,000 or more commercial insurance, feel more secure, the cost is not high, but psychologically increase the safety of the guarantee. 5. When the car is on the road, the law enforcement management department has no requirements for third-party liability insurance, and it is enough to purchase compulsory traffic insurance, at least with a certain amount of protection. As for the third-party liability insurance purchased separately, you can buy it in an insurance company (such as the insurance company that purchased compulsory liability insurance), or you can buy it in a company that does not excite you, and there is no effect, 6

No matter which company you buy from, you still have to have traffic safety awareness, learn the law and abide by the law, abide by the rules and disciplines, and win all the "insurance", your own consciousness and behavior, personal quality, and car handling and driving. and so on to determine their own maximum "protection" and "insurance". Legal basis:

Article 21 of the Regulations on Compulsory Insurance 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 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 22 In any of the following circumstances, the insurance company shall pay the rescue expenses in advance within the limits of the compulsory insurance liability limit for motor vehicle traffic accident liability, 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 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 socks for the liability 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.

Summary. Hello, dear, yes, you can buy compulsory traffic insurance and a third party can also buy car damage insurance in the second insurance company, but it is recommended to apply for insurance in the same insurance company, which can facilitate the claim.

Hello, dear, yes, you can buy compulsory traffic insurance and a third party can also buy car damage insurance in the second insurance company, but it is recommended to apply for insurance in the same insurance company, which can facilitate the claim.

Full coverage of car insurance is an irregular way of saying it. At present, car insurance generally includes compulsory traffic insurance, car damage insurance, commercial third party insurance, vehicle personnel liability insurance, theft insurance, scratch insurance, glass damage insurance, deductible insurance and other major types of insurance. There is no "all-encompassing" car insurance, and there are differences in the coverage of each insurance company.

Therefore, when buying car insurance, car owners should clarify two issues: what car insurance does not cover and what is the key to see the insurance liability, liability exemption and compensation treatment clauses in the insurance contract, so as to minimize their losses in the event of an accident in the future.

Further information: Basic vehicle insurance, also known as basic vehicle insurance, falls under the category of motor vehicle insurance (motor insurance). Basic vehicle insurance includes compulsory traffic insurance, third-party liability insurance (three-liability insurance) and vehicle damage insurance (vehicle damage insurance).

Compulsory traffic insurance: the full name of compulsory motor vehicle traffic accident liability insurance, 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:

Compulsory traffic insurance is a compulsory liability insurance that compensates the victim [excluding the vehicle personnel and the insured] for personal and property losses caused by road traffic accidents caused by the insured motor vehicle within the liability limit. Third-party liability insurance refers to the economic responsibility that the insured or its permitted driver shall bear in accordance with the law if an accident occurs in the process of using the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation. At the same time, if the insured incurs arbitration or litigation costs with the written consent of the insurance company, the insurance company shall compensate the insured beyond the liability limit, but the maximum shall not exceed 30% of the liability limit.

Vehicle damage insurance refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer will compensate according to the provisions of the insurance contract. This is the opposite of a third party, which is to take care of yourself, and if you take care of your car, you have to buy it.