Is it an insured accident that you are not responsible for being hit by someone?

As long as the subject matter of insurance is damaged within the scope of the insurance contract, it is an insured event. However, you are talking about your car that was hit, but what you are saying here is not very clear, was it your motor vehicle that was damaged or someone else's motor vehicle was damaged? Or maybe you're personally injured (this is personal insurance, that's not what you should be referring to).

And it's not clear what kind of insurance you're buying. Is it property insurance or compulsory liability insurance or do you purchase commercial third-party liability insurance? 1 If your car is damaged and you buy property insurance, the insurance company will first pay for the property damage caused by the collision of your motor vehicle, and then obtain the right of subrogation to claim compensation from a third party.

The compulsory traffic insurance and commercial third-party liability insurance purchased by yourself do not care about the damage to the insurer's motor vehicle, and the other party is responsible for it. 2 If the other party's car is damaged, the commercial third-party liability insurance is based on the principle of compensation only if you are responsible, and you are not responsible, so the insurance company will not pay to the other party. However, in the case of compulsory traffic insurance, no-fault compensation is implemented, and you also have to pay 20% of the actual property loss of the other party, and your compulsory traffic insurance insurer will help you bear the car damage within the range of 10,000.

Therefore, even if you are not responsible, remember to call ** to the insurance company within 48 hours of the accident, so as not to cause you to be hit by someone and be unjustly charged.

It doesn't matter if the three hit you, and the other party is fully responsible and someone in the other party's car is injured, then you need to fulfill the obligation of no liability compensation in the compulsory traffic insurance.

It is an insured event for the other party, but not an insured event for oneself.

You have purchased car damage insurance, and you are not responsible, of course the insurance company will pay you, since you are not responsible, then the other party is fully responsible; If you are partially liable, then the insurance company will determine the compensation ratio of both parties according to the traffic accident liability letter issued by the traffic police.

1. What should I do if the vehicle hits someone without insurance?

1. If the car is uninsured and the car is delayed, you must immediately call the police and dial 120. Where a motor vehicle that has not been insured with compulsory traffic insurance in accordance with law causes damage in a traffic accident, and the party requests that the insurance obligor compensate within the liability limit of the compulsory traffic insurance, the people's court shall support it. Where the insurance obligor and the infringer are not the same person, and the parties request that the insurance obligor and the infringer bear joint and several liability within the liability limit of the compulsory traffic insurance, the people's court shall support it.

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

The owner or manager of a motor vehicle driving on a road within the territory 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 4. 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. How to operate the car insurance process.

1. It is necessary to report the accident within 48 hours after the accident, and the insurance company will send investigators to investigate before confirming whether the accident is real and the responsibility of the insured vehicle;

2. Assess the damage of the vehicle and issue a bid order;

3. The traffic police will issue a certificate of responsibility for the accident and other materials;

4. I can bring the liability certificate, mediation letter, judgment and repair invoice, medical expense invoice, medical record, original insurance policy, copy of ID card, copy of driving license, copy of driver's license and other relevant insurance information to the insurance company for compensation;

5. The insurance company will accept the case of the general amount as soon as possible, and the company will make a claim.

Unlicensed and uninsured vehicles are not allowed on the road and will be punished by the traffic police, but after the collision, the car still has to be repaired. According to the current traffic regulations, both parties can move, and there is no towing fee and parking fee without personnel**. If the premium** is not considered, the insurance company should pay the compensation in the compulsory liability insurance.

A traffic accident caused by driving an unlicensed, unlicensed or uninsured vehicle shall be borne in accordance with the division of responsibility for the accident, and the responsibility of the party shall be determined according to the role of the party's behavior in the occurrence of the road traffic accident and the severity of the fault. Their illegal acts are to be handled separately by the public security organs.

The vehicle is not insured, but he has compulsory insurance, and he can use the compulsory insurance of 500,000 yuan to provide medical treatment to the person who was hit**.

If the vehicle hits someone without insurance, the owner must be fully responsible. The vehicle is not insured, which means that the car is not guaranteed, and the owner must be responsible for the end.

If the vehicle is not insured, then it depends on whether the liability is reasonable, the lower the liability, the less the compensation, and the compensation is negotiated.

The vehicle is not insured, and if you hit someone, there is no way, you are fully responsible, and all the expenses are paid by yourself, so it is best to buy insurance first, just in case.

If the vehicle is not insured, the person who hit it can only pay for it out of pocket.

The vehicle is uninsured, hits a person, and all the costs are borne by yourself.

There is a clause in the insurance clause called subrogation, which is explained as follows:

Subrogation, also known as subrogation, refers to the loss caused by the third party liability within the scope of the insured item, and the insurer (insurance company) has the right to claim compensation from the third party for the loss within the limit of the amount it has paid. After the insurer (insurance company) obtains this right, it can replace the position of the insured (car owner) to claim compensation from the third party responsible.

Use: The premise of applying for subrogation is that you need to take out compulsory traffic insurance and commercial insurance (such as third party liability insurance, vehicle damage insurance, etc.), otherwise the insurance company will not accept your application.

1.The other party's vehicle is not insured:

If the other party's car has just been bought, and there is no insurance, and you happen to have an accident, but the other party's driver will not pay you. You can then have your insurance company reimburse you for the cost of your repair and then pursue a claim against the party responsible for the incident.

2.The other party has no ability to compensate financially:

In many cases of traffic accidents, the driver of the vehicle involved in the accident has no ability to compensate, which also makes the owner of the car who suffered the loss very frustrated. In fact, when you encounter this situation, you can also apply for subrogation from the insurance company you are insured.

In some accidents, there will also be some old people (who refuse to pay arrears or compensate personnel), after the police give relevant rulings, refuse or postpone the payment of repair costs for various reasons, or even disappear from the world. At this time, you can also apply for subrogation compensation from the insurance company.

4.The other party refused to sign the traffic accident liability determination:

In some traffic accidents, one party has objections to the traffic police's ruling, does not recognize the accident responsibility determination issued by the traffic police and refuses to sign. In this case, you, as the injured party, can apply for subrogation from your insurance company. Burning.

5.After the other party escaped, there was evidence to prove the vehicle information that caused the accident:

Hit-and-run situations in the wide section of traffic accidents in recent years are frequent, if after the traffic accident, the other party's vehicle escapes, at this time you can record the other party's license plate number and the owner's information through **, dash cam or even audio recording, so that you can also apply for subrogation compensation from your insurance company.

If you are not responsible for the traffic accident, you do not need to report insurance, unless the other party has a serious injury, then the party who is not responsible also needs to report to the insurance department. Because in the compulsory traffic insurance compensation, the party who is not responsible also has to compensate the injured party for the loss of Xiangxiang's medical expenses and other losses.

Legal basis: Article 21 of the Regulations on Compulsory 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 scope of the compulsory insurance liability limit 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.