How much do you need to pay for the three insurances, and how much is appropriate for the three insu

1. The nature of the vehicle and the number of seats are different at the time of purchase, and the premiums under the same amount of insurance are also different. For example, for a 5-seater family car, the standard premium of 100,000 yuan for the purchase of three liability insurance is 1,061 yuan, the standard premium for the sum insured of 200,000 yuan is 1,314 yuan, 300,000 yuan is 1,484 yuan, and 500,000 yuan is 1,781 yuan.

2. Insurance liability of the third party:

1.Qualified driver permitted by the insured: There are two meanings here, one is the driver permitted by the insured, which refers to the insured person who holds a driver's license, his spouse and their immediate family members, or employees of the insured, or the driver who uses the insured vehicle during the performance of the work assigned by the insured, or the insured has a commercial lease relationship with the driver who uses the insured vehicle.

The second is qualified, which means that the above-mentioned drivers must hold a valid driver's license, and the vehicle they are driving is consistent with the permitted driving class specified in the driver's license. Only"Allowed"with"Eligible"The insurer will only compensate the driver who meets the two conditions when the insured vehicle uses the insured vehicle and causes losses caused by the insured accident. The insured vehicle is driven away without permission, or without the consent of the owner of the vehicle and the person in charge of the unit to which the insured vehicle belongs, and the driver privately promises to drive the car, it cannot be regarded as driving"Driver permitted by the insured"Driving, the insurer will not compensate for the accident caused by such a situation.

2.The process of using an insured vehicle: The entire process by which an insured vehicle is used as a tool, including driving and parking. For example, the safety crane is used to carry out lifting and unloading operations after fixing the wheels, which can be called"Use the insurance vehicle process"。

3.Third party: In the insurance contract, the insurer is the first party, also called the first party; The insured or the victim is the second party, also known as the second party; In addition to the insurer and the insured, the victim of personal injury or property damage due to an accident of the insured vehicle is a third party, also known as a third party.

4.Physical**: Bodily injury to a person or termination of a person's life.

5.Direct damage: An accident occurs in the insured vehicle, which directly causes the actual damage to the existing property of others at the scene of the accident.

6.The amount of compensation that shall be paid by the insured in accordance with the law: the amount of compensation that should be paid according to the accident liability borne by the insured or the qualified driver allowed by the insured in accordance with the provisions on the handling of road traffic accidents and relevant laws and regulations.

7.The insurer shall compensate in accordance with the provisions of the insurance contract:

1) Provisions of the insurance contract: refer to the relevant provisions contained in the basic insurance clauses, additional insurance clauses, special agreements, insurance endorsements and other insurance documents.

2) The insurer is not unconditionally fully assumed"The amount of compensation that the insured shall pay in accordance with the law", the non-compensated part stipulated in the insurance contract should also be excluded when making a claim.

The maximum compensation amount of the three insurances is 100,000, 200,000, 500,000 and 1 million respectively, and they are the basic premium of 100,000 yuan insured: 962 yuan for the main insurance, excluding deductibles.

Basic premium of 200,000 sum insured: 1,191 yuan for the main insurance, excluding deductible.

Basic premium of 300,000 sum insured: 1,346 yuan for the main insurance, excluding deductible.

Basic premium of 500,000 sum insured: 1,615 yuan for the main insurance, excluding deductible.

The basic premium of 1 million sum insured: 2103 yuan for the main insurance, excluding deductibles, I hope it can help you, thank you.

How much does the three insurance need to pay, you can contact the staff of the insurance company, then you will know how much.

Third party liability insurance (referred to as three liability insurance), full name: commercial third party liability insurance. It refers to an accident that occurs in the course of using the insured vehicle by a qualified driver permitted by the insured, resulting in the personal injury of a third party.

According to the current compensation standard, the third party recommends purchasing more than 1.5 million, because the current compensation standard for personal injury has been increased to between 800,000 and 1.2 million, and the specific amount is checked according to the situation of the personnel, so it is actually a bit insufficient than the traditional insurance of 500,000 and 1 million. Necessary nutrition expenses; If the victim is disabled due to injury, the compensation obligor shall also compensate for the disability compensation, the cost of disability assistive devices, the living expenses of the dependents, as well as the necessary expenses, nursing expenses, and follow-up expenses actually incurred as a result of ** nursing and continuation**; Where the victim dies, compensation shall also be made for funeral expenses, living expenses for dependents, death compensation, and other reasonable expenses such as transportation expenses, lodging expenses, and loss of work incurred by the victim's relatives in handling funeral matters. It is also embarrassing that the insurance company will not pay the full amount of the shortfall by yourself, so the high point of insurance is advantageous.

According to the current compensation standard, the third party recommends the purchase of more than 1.5 million. Since the current personal injury compensation standard has been raised to between 800,000 and 1.2 million, and the specific amount is verified according to the person's situation, it is better than the traditional insurance of 500,000 to 1 million, which is actually insufficient. It also includes the compensation items of the traffic accident compensation obligor to the victim, mainly including transportation expenses, accommodation expenses, hospital meal subsidies and necessary nutrition expenses; The victim was injured as a result of his injuries.

In the case of disability, the actual disability compensation, disability assistive device expenses, dependents' living expenses, necessary expenses, nursing expenses, and follow-up expenses actually incurred due to **care and continuation** shall also be compensated by the debtor; Victims should also be compensated; Where victims or their close relatives suffer mental harms, compensation shall be made for other reasonable expenses such as room and board, lost working hours, and the rights holder shall request compensation for moral damages from the people's courts.

Extended information: 1. The meaning of third-party commercial liability insurance refers to the accident that occurs when the insured or its authorized legal driver uses the insured vehicle, resulting in personal injury or direct property damage to a third party. The insurance company is responsible for the compensation.

Since the introduction of compulsory traffic insurance, third-party liability insurance has become a non-compulsory insurance that can be used as a supplement to compulsory traffic insurance.

2. Third-party commercial liability insurance is also known as third-party liability insurance. In the past, third-party liability insurance was mandatory in most places**. Without this insurance, motor vehicles cannot be licensed or inspected annually.

After the introduction of compulsory motor vehicle traffic insurance (hereinafter referred to as compulsory traffic insurance), third-party liability insurance has become a non-compulsory insurance. Since compulsory traffic insurance compensates third parties for property damage and medical expenses is low, third-party liability insurance can be considered as a supplement to compulsory traffic insurance.

3. Compulsory traffic insurance was launched in 2006, before that, the state did not have clear provisions on compulsory third-party liability insurance, so at that time, local traffic management departments stipulated that commercial third-party liability insurance must be purchased before new cars are listed. But now it is necessary to buy compulsory traffic insurance, otherwise you will not be allowed to go on the road. The implementation of the compulsory traffic insurance system is to compel the owner or manager of the motor vehicle to purchase the corresponding liability insurance through the provisions of the state, so as to improve the coverage rate of tripartite insurance and provide timely and basic protection for traffic accident victims to the greatest extent.

DO is a type of third-party liability insurance in a broad sense.

Hello, this depends on your own needs, but it is recommended to buy a little higher blood, buy a 1 million, now there are more and more luxury cars on the road, and the difference between 500,000 and a million premiums is not particularly big, buy a little more more protection, after all, insurance is to buy a peace of mind, I hope to help you!

1 million, the premium is about 100 yuan higher than 500,000.

If you are driving in first-tier and second-tier cities, especially in cities with more luxury cars, it is recommended to buy more than 2 million third-party insurance; If you live in small cities such as the third, fourth, and fifth tiers, especially in cities with very few luxury cars, there is no need to buy too high a three-party insurance, 1 million is basically enough, so that it is beneficial to your own economic savings and the payment of subsequent insurance premiums. At present, some cities may have 1 million car insurance for the three, depending on the regulations of local insurance companies.

Third Party Liability Insurance:

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 during the use of 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. The vast majority of places ** will be the third party liability insurance as a compulsory insurance type, do not buy this insurance, the motor vehicle will not be on the license plate can not be inspected.

Test your anti-risk index, experts will interpret it for you for free!

Summary. The third-party car insurance for the car needs about 1,650 yuan: 1. The normal purchase of car insurance is at least 4,000 yuan a year, and the five major car insurances are the commercial third-party liability insurance, car damage insurance, and theft insurance of the compulsory traffic insurance and the four major commercial insurances; 2. Liability insurance for personnel on the car, 950 yuan for compulsory traffic insurance, about 1,000 yuan for car damage insurance, 1,000 yuan for third-party liability insurance, 300 yuan for theft insurance, 400 yuan for deductible, and 500 yuan for five additional insurances.

How much does it cost to cover all three.

The third-party car insurance for the car needs about 1,650 yuan: 1. The normal purchase of car insurance is at least 4,000 yuan a year, and the five major car insurances are the commercial third-party liability insurance, car damage insurance, and theft insurance of the compulsory traffic insurance and the four major commercial insurances; 2. Liability insurance for personnel on the car, 950 yuan for compulsory traffic insurance, about 1,000 yuan for car damage insurance, 1,000 yuan for third-party liability insurance, 300 yuan for theft insurance, 400 yuan for deductible, and 500 yuan for five additional insurances.

I'm still a little confused, can you be more detailed?

3. The premium of compulsory traffic insurance is directly related to the number of seats in the car, whether it is out of insurance, whether it is out of insurance, and the transfer of ownership; Vehicle and vessel tax is directly related to the displacement of the vehicle and the number of people on board; Commercial insurance is directly related to the price of the car body, the amount of insurance, and the amount of insurance.

Summary. It takes 1,700 yuan to buy car insurance third-party insurance: 1. The mainstream insurance amount of third-party liability insurance is 200,000, 500,000, and 1 million. 2. The insured amount of 500,000 yuan needs to pay 1,721 yuan, which is yuan without deductible; The sum insured of 1 million yuan needs to pay 2,242 yuan, not counting the deductible, which means that the difference in money at each stage is about 600 yuan; 3. In addition to the third-party liability insurance, the must-buy insurance for commercial auto insurance is car damage insurance, but in the actual purchase, many car owners are reluctant to buy car damage insurance, and they choose to buy three liability insurance, the biggest feature of third-party insurance is that the insurance amount is low and the compensation is high, although the probability of a major accident is relatively small, but once a serious disability accident occurs, 300,000 yuan is easily paid; If you are lucky enough to almost hit a luxury car, the three-liability insurance of 1 million will be of great effect.

It takes 1,700 yuan to buy car insurance third-party insurance: 1. The mainstream insurance amount of third-party liability insurance is 200,000, 500,000, and 1 million. 2. The insured amount of 500,000 yuan needs to pay 1,721 yuan, which is yuan without deductible; The sum insured of 1 million yuan needs to pay 2,242 yuan, not counting the deductible, which means that the difference in money at each stage is about 600 yuan; 3. In addition to the third-party liability insurance, the must-buy insurance for commercial auto insurance is car damage insurance, but in the actual purchase, many car owners are reluctant to buy car damage insurance, and they choose to buy three liability insurance, the biggest feature of third-party insurance is that the insurance amount is low and the compensation is high, although the probability of a major accident is relatively small, but once a serious disability accident occurs, 300,000 yuan is easily paid; If you are lucky enough to almost hit a luxury car, the three-liability insurance of 1 million will be of great effect.

1. The normal purchase of car insurance is at least 4,000 yuan a year, and the five major automobile insurances are commercial third-party liability insurance, car damage insurance, and theft insurance for compulsory traffic insurance and the four major commercial insurances; 2. Liability insurance for personnel on the car, 950 yuan for compulsory traffic insurance, about 1,000 yuan for car damage insurance, 1,000 yuan for third-party liability insurance, 300 yuan for theft insurance, 400 yuan for deductible, and 500 yuan for five additional insurances.

Third-party liability insurance varies from 500,000, 1,000,000, and 1,500,000.

While protecting your car, don't ignore your own protection! Buying this way to save money is guaranteed "How much do smart people spend on insurance? Buy it this way, and easily leverage the million guarantee".