Can I make a claim if I only bought commercial insurance and hit someone else s car?

Only compulsory traffic insurance, no commercial auto insurance can be claimed. According to the "Regulations on Compulsory Traffic Insurance", it is clearly pointed out that compulsory traffic insurance is a compulsory liability insurance that compensates within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by a traffic accident of the insured motor vehicle.

At present, there are three types of compensation for compulsory liability insurance: death and disability, medical expenses and property damage. When the insured is liable, the limits are 110,000, 10,000 and 2,000 yuan respectively; When there is no liability, the limits are 11,000 yuan, 1,000 yuan and 100 yuan respectively.

However, the way of only choosing compulsory traffic insurance to purchase car insurance is a risk-based insurance, because there are many traffic jams on the road now, the probability of driving accidents is higher, and the compensation limit of compulsory traffic insurance for property damage is only 2,000 yuan. Therefore, in practical life, it is recommended that in addition to doing a good job in the protection of compulsory traffic insurance, it is also necessary to choose the appropriate commercial car insurance, including car damage insurance, vehicle personnel liability insurance, third-party liability insurance, etc., so that you can have more protection and reduce your losses after an accident.

As long as the documents and documents are complete, there is no exemption from liability and the claim can be made. However, if you do not purchase compulsory insurance, then the part of compulsory insurance must be deducted first. For example, if the other party's car loses 3,000 yuan, according to the full responsibility of your car, the compulsory traffic insurance will pay 2,000 yuan, and the commercial insurance will be 1,000, so if there is no compulsory insurance, you can only claim 1,000.

If you are solely responsible for hitting someone else's car, the compensation for the other person's car has nothing to do with the car damage insurance. The car damage insurance covers your own car, and the compensation of the other party's car is in the three insurance, there is compulsory insurance, there will be compensation, but the amount is just a matter of amount!

Hello, commercial insurance includes third-party liability insurance and other insurance, and the third party can compensate the other party for losses.

However, compulsory insurance is a must-have insurance, if you don't buy it, you can't go on the road, then, the vehicle without compulsory traffic insurance is an illegal vehicle, even if you buy a third party, you will refuse to pay.

Since each company's policy is different, it is recommended to call the insurance company** directly for consultation.

Crash into someone else's car. And hitting the wall, hitting people, hitting dogs, or something can make a claim. As long as the driver is not a compulsory insurance for drinking, the third party is also insured, but the maximum amount of property compensation for the third party of the compulsory insurance is only 2000, and the person is injured more than 1w, it is recommended to buy all of them You can save a lot of trouble.

In the event of an accident on both sides, compulsory insurance and commercial insurance can be claimed together.

Commercial insurance if you buy full coverage, for example. However, it is far from enough to kill people normally, and you must buy a commercial insurance.

If the car is injured by itself, it is a unilateral accident, and you can pay for it by buying commercial insurance car damage insurance.

Car damage insurance: The insured or the driver allowed by the insured has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range, and the car damage insurance is the insurance for the loss of the vehicle itself.

If you don't have car damage insurance, you can't get additional insurance.

The most common car damages: collisions, overturns (rollovers), natural disasters, etc. (hail, heavy rain, etc.).

Hello! If you buy car damage insurance, and at the same time attach the car damage without deductible, then you can pay the full amount.

However, you also need to be on site, and you need to report to the insurance company in case of insurance.

Hope it helps!

You can only buy compulsory insurance, commercial insurance is voluntary, and insurance companies cannot force you to buy commercial insurance. It's against the law for them to do that.

Commercial insurance is more complete on the original basis, and there are many types of insurance, you can also only cover a few items of commercial insurance

After hitting a person, if it is fully liable, the insurance company will first pay compensation within the scope and limit of the compulsory traffic insurance, and if it exceeds the limit, it will be paid within the scope and limit of the three liability insurance, and the compulsory traffic insurance and the three liability insurance will mainly compensate the victim (excluding the insured and the car personnel) for personal ** and property losses. Their own losses are compensated by their own car damage insurance and seat insurance.

Summary. Dear, of course this can be done, oh dear. The third-party liability insurance in commercial insurance is specially used to compensate for the losses caused to others in the event of a traffic accident, including the other party's repair costs and medical expenses.

However, if Zhao Shifan did not purchase the deductible additional insurance, the liability insurance of the three parties can only partially reimburse. The remaining more than 30% is your own responsibility. If you purchase a deductible rider, the insurance company will cover all costs.

Dear, of course this can be done, oh dear. The third-party liability insurance in the commercial insurance is specially used to compensate for the losses caused to others in the event of a traffic accident, including the other party's car repair costs and medical expenses can be compensated through the third-party liability insurance. However, if the brother did not do Zhao Shifan and did not purchase the deductible additional insurance, the liability insurance of the three can only partially reimburse.

The remaining more than 30% is the envy that needs to be borne by yourself. If you purchase a deductible rider, the insurance company will cover all costs.

At the same time, in addition to the third liability insurance, the compulsory traffic insurance will also pay a part, but the proportion of the compensation of the compulsory traffic insurance is very small. That's just over a thousand. Therefore, the focus of compensation is still on third-party liability insurance.

As long as you call the police as soon as possible after the traffic accident, let the traffic police issue a letter of responsibility, and you can get out of danger with the letter of responsibility.

I hope you will pay attention to it. Because these things are very important to us, only if we pay attention to them, we will find ways to avoid them, in order to reduce the losses and impacts in this regard.

You need to have a letter of responsibility, make sure that the other party is fully responsible, and then let the other party repair the car for you, you don't need to contact your insurance company.

In this case, it is also possible to make a claim, but it must be made within the scope of compulsory insurance. Specifically, it should be determined by the relevant provisions of the insurance.

It is also possible to make a claim, since it is the full responsibility of the other party, it is better to ask the other party to compensate, so don't use your own insurance.

Yes. There are also such claims in this insurance, you can consult the insurance company you purchased specifically.

Legal analysis: 1. The underwriting insurance company shall first compensate within the limit of liability, and the insufficient part shall be borne by the perpetrator.

2. The person obligated to compensate the victim for personal injury, all expenses incurred due to medical treatment, and the income reduced due to lost work, including medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal subsidies, and necessary nutrition expenses.

3. If the victim is disabled due to injury, the compensation obligor shall also compensate for the necessary expenses incurred by the victim due to the increase in living needs and the loss of income caused by the loss of ability to work, including disability compensation, disability assistive devices, and living expenses of dependents, as well as the necessary expenses, nursing expenses, and follow-up expenses actually incurred due to nursing care and continuation.

4. Where the victim dies, the compensation obligor shall, in addition to compensating the relevant expenses provided for in the first paragraph of this article in accordance with the circumstances of the rescue, also compensate for the funeral expenses, the living expenses of the dependents, the death compensation expenses, and other reasonable expenses such as transportation expenses, accommodation expenses, and loss of work incurred by the victim's relatives in handling funeral matters.

Legal basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases of Compensation for Damages in Road Traffic Accidents Article 16 Where a motor vehicle insured with both compulsory third-party liability insurance (hereinafter referred to as "compulsory traffic insurance") and commercial third-party liability insurance (hereinafter referred to as "commercial third-party insurance") causes damage in a traffic accident, and the parties sue the infringer and the insurance company at the same time, the people's court shall determine the liability for compensation in accordance with the following rules:

1) The insurance company that underwrites the compulsory traffic insurance shall first compensate within the limit of liability;

2) The shortfall shall be compensated by the insurance company that underwrites the commercial third-party insurance in accordance with the insurance contract;

Where the person who has been infringed upon or his close relatives requests that the insurance company that underwrites the compulsory traffic insurance give priority to compensation for mental damages, the people's court shall support it.