What is the deduction rate of commercial insurance and compulsory liability insurance and what is th

The difference between compulsory traffic insurance and commercial insurance is manifested in many aspects, first of all, compulsory traffic insurance is compulsory by the state, while commercial insurance is voluntarily purchased by car owners, and the purchase of commercial insurance can increase the amount of protection, and the two are essentially different in the mandatory purchase.

There is a difference between compulsory traffic insurance and commercial insurance in the purchase, and the car with less than 6 seats in the compulsory traffic insurance is 960 yuan per year, but it will not be insured for one year, and there will be preferential policies in the second year; Commercial insurance is generally purchased based on the value of the vehicle, for example, the better the vehicle, the more money you spend when you buy it.

There is a certain difference between compulsory traffic insurance and commercial insurance in terms of compensation amount, for example, the maximum compensation for the death of compulsory traffic insurance is 110,000 yuan, and after purchasing the three insurance, the compensation will be paid according to the amount of insurance, generally according to the city where the three insurance is purchased, generally 500,000 or 1 million is enough.

According to the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, compulsory traffic insurance implements a unified national insurance terms and basic rates, and the China Insurance Regulatory Commission approves the rates in accordance with the principle of "no profit and no loss" in the compulsory traffic insurance business as a whole. Commercial insurance, on the other hand, is for profit, and the insurance rate is relatively high. The premium of commercial insurance depends on many factors, such as the amount of insurance, the type of vehicle, the age of the vehicle, etc.

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1. Whether the commercial insurance compensation should be deducted from the compulsory traffic insurance.

1. Commercial insurance compensation is to deduct compulsory traffic insurance. As long as the commercial insurance is activated, the compulsory insurance must be used, and the insurance company will first use the compulsory insurance to pay the compensation, and then use the commercial insurance if the compulsory insurance is insufficient. The medical expenses are borne within the limit of 10,000 yuan, and the excess part is shared according to the responsibility; The disability compensation project shall be borne within the limit of 110,000 yuan, and the excess part shall be borne according to the responsibility, and the property loss shall be borne within the limit of 2,000 yuan, and the excess part shall be borne according to the responsibility of God Code.

In the compensation of the third-party liability insurance of commercial insurance, the part that has been paid by the compulsory traffic insurance should be subtracted, but for the customer, it is actually paid at the same time.

2. Legal basis: Article 17 of the Insurance Law of the People's Republic of China concludes an insurance contract and adopts the standard terms provided by the insurer, the insurance policy provided by the insurer to the policyholder shall be attached to the standard terms, and the insurer shall explain the content of the contract to the policyholder. With regard to the clause in the insurance contract exempting the insurer from liability, the insurer shall, at the time of conclusion of the contract, make a reminder sufficient to attract the attention of the insurer on the policyholder, the insurance policy or other insurance certificate, and give a clear explanation of the content of the clause to the policyholder in written or oral form, and the clause shall not be effective.

2. What kind of car insurance is included in commercial insurance?

Commercial insurance includes compulsory traffic insurance, third-party liability insurance, theft insurance, vehicle personnel liability insurance, vehicle loss insurance, body scratch loss insurance, spontaneous combustion loss insurance, glass breakage insurance, and deductible insurance. Auto insurance is divided into compulsory traffic insurance and commercial insurance, and compulsory traffic insurance is a statutory insurance, with uniform terms and rates across the country. As long as the vehicle is on the road, even if the car has not yet been officially registered in a different place, it must first be insured with compulsory traffic insurance.

Hello, both are included in it, 1. Compulsory traffic insurance is a compulsory traffic liability insurance; It is necessary to purchase it, and commercial insurance is a third-party liability insurance that is voluntarily purchased. 2. After the accident, the compulsory traffic insurance must be compensated regardless of whether there is a warning or not; Commercial insurance will compensate according to the proportion of liability, and no liability will be compensated. 3. The premium of compulsory traffic insurance is fixed; The insurance company sets its own premiums for commercial insurance.

4. The compensation limit of compulsory traffic insurance is fixed; The compensation limit of commercial insurance is 50,000, 100,000, 200,000, 300,000, 500,000, 1,000,000, etc., which is not fixed. The maximum compensation limit of compulsory traffic insurance is 110,000, and the maximum compensation is 2000 for car group infiltration or car outing, that is, no matter how injured the third party (other party) vehicle is, the maximum compensation is 2000, if the third party is injured, then no matter how much medical expenses are spent, the maximum compensation is 8000, and if the third party responsible person dies, the maximum compensation is 50,000, so it is best to insure the compulsory traffic insurance, and then insure a commercial insurance of more than 100,000, the cost is not very high, since the car has been bought, there is no need to worry about these, Safe and secure!

Factors and ratios of compulsory liability insurance rates.

A1: There was no road traffic accident in the previous year, with a floating rate of 10;

A2: No road traffic accidents in the last two years, floating rate 20;

A3: There have been no road traffic accidents in the last three years, with a floating rate of 30;

A4: A road traffic accident involving a liability not involving death occurred in the previous year, with a floating rate of 0;

A5: Two road traffic accidents in the previous year that are not fatal, with a floating rate of 10;

A6: Attributable road traffic fatalities occurred in the previous year, with a floating ratio of 30.

1. Compulsory traffic insurance premium charging standards.

1) Charging standards for compulsory traffic insurance for commercial vehicles:

Van truck: If the nature of use on the driving license is business or freight, it is regarded as a business vehicle.

2) Charging standards for compulsory traffic insurance:

The approved load weight is less than 2 tons (exclusive), 1850 yuan (standard fee).

2 to 5 tons (not included): 3070 (standard fee).

5 to 10 tons (exclusive): 3450 yuan (standard fee).

10 tons and above: 4480 yuan (standard fee).

The above data fluctuates by 30% based on whether there were traffic accidents in the previous year

3) Compulsory insurance charges for non-business trucks:

Non-commercial trucks 24 non-commercial trucks 2 tons or less 1,200

25 non-commercial trucks 2 5 tons 1,470

26 non-commercial trucks 5 10 tons 1,650

27 non-commercial trucks over 10 tons 2,220

The charge of compulsory traffic insurance is also related to the haunt insurance:

The first year of the new car with compulsory insurance: 950 yuan, the vehicle and vessel tax is 360 a year, the new car is taxed by month, if you are not out of insurance in the second year, the compulsory insurance discount is 10, and if you are not out of insurance in the third year, the compulsory insurance discount is 20

4) The floating coefficient of the compulsory traffic insurance rate.

1. There was no road traffic accident in the previous year

2. There has been no responsible road traffic accident for two consecutive years.20

3. There has been no liability accident for three or more consecutive years

In the previous year, there was a liability accident that did not involve fatalities.

Two or more accidents in the previous year are subject to an increase of 10

2. Precautions for compulsory traffic insurance.

The compulsory implementation of compulsory traffic insurance must have its necessity, which can ensure the compensation of victims of motor vehicle road traffic accidents and promote road traffic safety. Compulsory traffic insurance provides timely and basic protection for traffic accident victims, and it is necessary to purchase it. Therefore, all car owners must be insured.

When compensating for compulsory traffic insurance, it will involve a property loss, and car owners need to clarify what the definition of property loss is, property loss refers to the actual damage to the existing property of the victim at the scene of the accident caused by the road traffic accident of the insured motor vehicle. If it is the loss of one's own things or the loss of property in the insured vehicle, it is not covered by the compulsory traffic insurance.

The full name of compulsory traffic insurance is called compulsory insurance for motor vehicle traffic accident liability, and the main protection function is that when two motor vehicles have a road traffic accident, if there is personal and property damage, compensation can be obtained. But you have to tell Yan to pay attention to the fact that this insurance fee is compensated for each other, and his own insurance pays for the loss of the other side.

Compulsory liability insurance premium charging standard:

The annual premium for a car for family use under the seat is $950;

The annual premium for a family car with a seat or above is 1,100 yuan.

Generally, the renewal premium is related to the number of accidents in the first year, the first year is not insured, the next year's premium is discounted10, and the insurance is not discounted once. Twice out of insurance, the next year's premium floats up to talk about 10. After three accidents, the premium will be increased by 20% the following year.

1. How to calculate the premium of compulsory traffic insurance.

The insurer shall be liable for compensation within the following compensation limits for each accident in accordance with the provisions of the compulsory traffic insurance contract: (1) the compensation limit for death and disability is 11,000 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.

2. Compulsory traffic insurance premium items.

Compulsory traffic insurance includes: all losses caused to third parties (except for the car and the people on the car), regardless of whether they are liable or not, are covered by the 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 fees, inpatient meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery fees, and nutrition expenses.

4. The death and disability expenses of the "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" include: funeral expenses, death compensation, transportation expenses for funeral matters, disability compensation, disability assistive device expenses, nursing expenses, ** expenses, transportation expenses, living expenses of dependents, accommodation expenses, lost work expenses, and mental damage consolation through judgment or mediation.

The cost of compulsory traffic insurance consists of three parts, the basic rate, the preferential coefficient, and the vehicle and vessel tax.

The basic rate of compulsory insurance for family self-use cars is 950 yuan.

If there is no insurance accident, the annual preferential coefficient is 10%, and the maximum discount is 30%, which is 855 in the second year, 760 in the third year, 665 in the fourth year, and 665 in the fifth year.

If you are a new car, you need to pay for (Xiali or (Xiali.

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