What is the difference between compulsory traffic insurance and commercial insurance in car insuranc

Compulsory traffic insurance is compulsory traffic insurance, but the amount of compensation is limited, and now it is 10,000. Among them, it is clearly stipulated that the property damage of the other party will be compensated according to the proportion of liability in the event of an accident, and the upper limit of the amount of personal **.

The three insurances can be regarded as a supplement to the compulsory traffic insurance, and now the minimum insurance amount of the three insurances is 100,000.

Now the main difference between the two sides is the amount of insurance and the difference in order, as a consumer, as long as you know that after an accident between the two parties, the insurance company will first use the compulsory insurance to settle the claim. If the compulsory traffic insurance is not enough, a commercial third party will be used.

As a kind of commercial insurance, the three-party insurance does not have the public welfare of compulsory traffic insurance. Therefore, it is often set up in many cases such as free odds.

In the event of an automobile accident, the compulsory traffic insurance will first pay for it, and the commercial insurance will pay for the insufficiency.

For example, if two cars collide and both cars are responsible, A needs to pay 6,000 yuan to the other party, but the traffic force only pays 2,000 yuan, and the rest is compensated by commercial insurance. In the case of insufficient traffic, the three will compensate, I hope it can help you.

Compulsory traffic insurance must be purchased, and the state compulsorily insurance, while commercial insurance can be bought or not, depending on your actual situation.

The principle of compensation is to first compensate for the compulsory insurance, and then calculate the compensation amount of commercial insurance according to the damage, such as glass insurance, third-party insurance, etc.

Compulsory traffic insurance is a limit of compensation, is a compulsory purchase, the three are commercial insurance, selective, but if the accident responsibility is fully responsible for their own side, if there is no three, the compensation is not enough, just pay for yourself. All three are important. Buy it.

According to the proportion of compensation according to the division of responsibility, the compulsory insurance will be compensated first, and the insufficient will be paid from the commercial insurance.

1. 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;

2. Vehicle damage insurance refers to a kind of automobile commercial insurance in which the insured or its permitted driver is damaged by an insured accident when using the insured vehicle, and the insurance company compensates within a reasonable range;

3. The third party insurance is the third party liability insurance, which refers to the accident that occurs during the use of the insured vehicle by the insured or its permitted legal drivers, resulting in direct personal damage or property to the third party, and the insured shall bear economic responsibility according to law, and the insurance company shall be responsible for compensation.

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1. The difference between compulsory traffic insurance and commercial insurance.

1. Legal status.

Compulsory traffic insurance is compulsory insurance, motor vehicles must be insured on the road, and new car listings and old cars must provide compulsory traffic insurance policies.

Commercial third-party insurance is a kind of commercial insurance, and the policyholder chooses whether to apply for insurance according to his own choice.

2. Limitation of Liability.

Compulsory traffic insurance is a fixed amount insurance, and the compensation limit is 10,000 yuan. Commercial third-party insurance is an indefinite insurance, and the policyholder chooses the liability limit independently.

3. Insurance liability.

Compulsory traffic insurance determines the compensation limit based on whether the vehicle is liable in a traffic accident. The compensation ratio is determined according to the proportion of the vehicle's liability in the traffic accident, and the compensation of the three insurance is the part of the compensation that exceeds the liability limit of the compulsory traffic insurance.

4. Legal basis for litigation.

The party who suffers from the traffic accident can directly sue the insurance company of the compulsory traffic insurance to claim compensation within the liability limit. The three-party insurance is a commercial contract, and it is generally not possible to sue the insurance company directly unless the insurance company deliberately does not compensate.

2. Insurance Options.

In general, it is recommended to choose to insure commercial third-party insurance after insuring compulsory traffic insurance, with a limit of not less than 200,000 yuan, and the premium is at the level of more than 1,200 yuan.

The difference between compulsory traffic insurance and commercial insurance is:

1. The principle of compensation is different. The insurance company shall compensate within the liability limit of the compulsory traffic insurance, and the part of the vehicle that is commercially attributable to the liability of the insurance company can be compensated;

2. The scope of protection is different. The coverage of compulsory traffic insurance is relatively wide, while the coverage of commercial insurance is very narrow, and the insurance company will not compensate if the insured is not liable.

[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.

1. The provisions are different in terms of mandatory.

The owner or manager of a motor vehicle can decide whether to purchase commercial insurance according to their own needs; The compulsory traffic insurance is mandatory and must be purchased, and the traffic management department can detain the vehicle and impose a fine on the motor vehicle that has not purchased the compulsory traffic insurance.

2. The law has different principles of attribution of liability for commercial third-party insurance and compulsory traffic insurance.

The commercial third-party insurance adopts the principle of fault liability, that is, the insurance company determines its liability according to the accident liability borne by the insured in the traffic accident, that is to say, the legal driver of the motor vehicle only fulfills the obligation to pay to the victim within the insured liability limit when the legal driver of the motor vehicle is responsible for the traffic accident, so it is determined that the liability of the party is first, and the insurance compensation is later;

However, the compulsory traffic insurance implements the principle of no-fault liability, that is, regardless of whether the insured is responsible for the traffic accident, the insurance company should compensate within the liability limit, so the insurance compensation comes first, and the liability is determined later.

3. The law sets different deductibles for commercial third-party insurance and compulsory traffic insurance.

Commercial third-party insurance stipulates more liability exemptions and deductible odds (amounts), but its insurance premiums and liability limits are contractually agreed by the parties to the insurance, which is more flexible and relaxed;

The insurance liability of compulsory traffic insurance covers almost all road traffic risks, and its basic rate is approved by the China Insurance Regulatory Commission, and the liability limit (death and disability, medical expenses, property damage and the insured's liability limit in road traffic accidents) is uniform across the country.

4. Different properties and types.

Compulsory liability insurance is fixed and there is no distinction between types. In commercial insurance, the types of car insurance are divided into basic insurance and additional insurance according to the scope of liability, and the basic insurance includes several types of insurance, such as commercial insurance, vehicle loss insurance, full car theft insurance, and vehicle personnel liability insurance, and the policyholder can choose to insure some of the types of insurance, or all types of insurance.

Additional insurance, which can only be purchased after taking out the relevant basic insurance. In general accidents, the personal injury and vehicle damage of the owner can be compensated by the other party's compulsory traffic insurance and commercial insurance. For damage to the car and the people on the car caused by non-other liability or natural disasters or accidents, you can make up for the damage caused by vehicle loss insurance, theft insurance and liability insurance for the personnel on the vehicle.

The difference lies in the different natures, the different scope of liability exclusions, the different amounts of compensation, and so on.

First, the nature is different.

Compulsory traffic insurance is the first compulsory insurance system implemented by national laws and regulations in China, as long as the vehicle is on the road, it must purchase compulsory traffic insurance; The third part of the commercial insurance is voluntary, and the insurance company can also refuse to insure it.

2. The scope of exclusion of liability is different.

The liability of compulsory traffic insurance only covers the loss caused by the accident intentionally caused by the victim; Damage to property owned by the insured and property on board the insured motor vehicle; Losses caused by traffic accidents involving the insured motor vehicle, resulting in the victim's suspension of business, driving, electricity, water, gas, production, communication or network interruption, data loss, voltage change, etc., as well as the depreciation of the victim's property due to market changes, losses caused by the reduction of value after repair, and other indirect losses; Arbitration or litigation costs and other related expenses arising from traffic accidents.

The liability exclusions of the three types of commercial insurance include not having a driver's license or driving a vehicle that does not match the type of driving permitted by the driver's license; Other driving without a valid driver's license as stipulated by the public security traffic management department; Personnel who use various special mechanical vehicles and special vehicles do not have valid operation certificates issued by relevant state departments; The driver of the commercial passenger car does not have a valid qualification certificate issued by the relevant state departments, etc.

3. The amount of compensation is different.

The compensation amount of compulsory traffic insurance is fixed, and the liability compensation limit is 110,000 yuan for death and disability; The compensation limit for medical expenses is 10,000 yuan; The compensation limit for property damage is 2,000 yuan; 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.

The three types of commercial insurance can freely choose the insurance amount, which is divided into 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan and no more than 10 million yuan.

1. The mandatory nature of the two is different. The three-liability insurance is not mandatory, and is essentially a commercial insurance established in accordance with the commercial insurance system. For car owners and insurers, more attention is paid to the diversification of risks and the acquisition of insurance benefits, and whether to insure is the result of consensus between the two parties; Compulsory liability insurance is mandatory, similar to social insurance.

Pay more attention to the timely protection of the interests of third parties. All car owners are forced to take out insurance, and insurance companies must underwrite and cannot refuse insurance. 2. Different compensation principles.

3. Liability insurance is to determine the liability of the insurer according to the fault liability. The specific compensation method is specified in the insurance contract, and the compensation does not distinguish between personal injury or material damage, and shall be carried out in accordance with the contract. How much compensation does the insurer pay based on the accident liability assumed by the insured in the accident?

The liability of the compulsory traffic insurance insurer is determined in accordance with the principle of no fault, not in accordance with the insurance contract, but in accordance with the law and specific provisions of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability within the liability limit. 3. Different scope of compensation. The "three liability insurance" has made many exemptions for the scope of compensation, including different liability exemptions and deductible odds, while the "compulsory traffic insurance" covers almost all traffic accidents except for intentional accidents, and there is no provision for free odds.

Hope, thank you!

<> car insurance is a must-have for car owners to protect you from unexpected losses and provide you with security. However, there are many types of car insurance, such as compulsory liability insurance and commercial insurance, what are the differences between them? This article will introduce you to a comparison of car insurance types to help you better understand car insurance.

1. Definition of compulsory traffic insurance and commercial insurance.

1.Compulsory insurance: Compulsory insurance refers to compulsory insurance for automobile traffic accident liability, which is a must-have insurance for car owners, which can protect you from accidental losses and provide you with safety guarantees.

2.Commercial Insurance: Commercial insurance refers to car vehicle damage insurance, which is the insurance that car owners can choose to have, which protects you from unexpected losses and provides you with security.

2. The difference between compulsory traffic insurance and commercial insurance.

1.The insurance liability is different: the insurance liability of compulsory traffic insurance refers to the liability for automobile traffic accidents, while the insurance liability of commercial insurance refers to the insurance for the loss of automobile vehicles.

2.The cost of insurance is different: the cost of compulsory liability insurance is fixed, while the cost of commercial insurance can be customized according to your needs.

3.The duration of the insurance is different: the duration of compulsory liability insurance is one year, while the duration of commercial insurance can be customized according to your needs.

3. Comparison of compulsory traffic insurance and commercial ridge seepage insurance.

1.Insurance liability: The insurance liability of compulsory traffic insurance refers to the liability of automobile traffic accidents, while the insurance liability of commercial insurance refers to the insurance liability of automobile vehicle damage, and their insurance liability is different.

2.Insurance costs: The cost of compulsory liability insurance is fixed, while the cost of commercial insurance can be customized according to your needs, and their insurance costs are also different.

3.Insurance period: The insurance period of compulsory traffic insurance is one year, while the insurance period of commercial insurance can be customized according to your needs, and their insurance period is also different.

4. Comparison of car insurance types.

1.Compulsory Insurance: Compulsory insurance is a must-have insurance for car owners, it can protect you from unexpected losses and provide you with security, the insurance cost is fixed, and the insurance period is one year.

2.Commercial insurance: Commercial insurance is the insurance that car owners can choose to have, it can protect you from unexpected losses and provide you with security, the cost of insurance can be customized according to your needs, and the insurance period can be customized according to your needs.

5. The importance of car insurance.

Car slag insurance is a must-have for car owners to protect you from unexpected losses and provide you with security. Car insurance not only protects your property but also your personal safety, therefore, car insurance is very important.

6. Summary. From the above introduction, we can see that compulsory traffic insurance and commercial insurance are two different types of auto insurance, and their insurance liability, insurance cost and insurance period are different. Car insurance is a must-have for car owners, it protects you from unexpected losses and gives you security, therefore, car insurance is very important.