Is there any relationship between compulsory traffic insurance and the company s internal insurance

It does not matter.

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It doesn't matter, the stronger insurance is the business of property insurance companies registered and filed by the China Insurance Regulatory Commission and other departments. The internal insurance is generally a kind of risk sharing insurance for the transportation unit to which the vehicle is attached.

It doesn't matter at all!

Go ahead! Ask him for money (internal insurance compensation)! If you want to be skillful, you need to oh - this is a matter of opinion, figure it out for yourself!

Compulsory liability insurance is paid by the insurance company. It's just that the state compels car owners to take out compulsory traffic insurance before they can go on the road, otherwise they will be administratively punished. After the car owner is out of insurance, he needs to contact the insurance company to report the accident and apply for a claim, and the compensation has nothing to do with the country.

In addition, the state stipulates the compensation limit of compulsory traffic insurance, once the limit is exceeded, the insurance company will only bear the liability for compensation when the car owner has purchased third-party liability insurance, otherwise the car owner needs to bear the responsibility himself.

Under what circumstances will the compulsory vehicle insurance not be compensated.

1. The driver has not obtained the driving qualification certificate;

2. The driver is drunk;

3. The insured motor vehicle has an accident during the theft and robbery;

4. Traffic accidents intentionally caused by the insured;

5. Traffic accidents intentionally caused by the victim;

6. All property of the insured and property damage of the insured motor vehicle;

7. A traffic accident occurs in the insured motor vehicle, causing the victim to suspend business, power outage, stoppage, gas outage, production stoppage, communication or network interruption, data loss, and voltage change;

8. Losses caused by the value after maintenance, etc.

Legal basisArticle 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic 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.

If you pay the full insurance, the insurance company will not pay for the following situations.

1. In general, if the vehicle is stolen in the paid parking lot or in the commercial repair shop, the insurance company is not responsible for compensation.

2. Intentional accident of the driver:

According to the terms of the insurance, the driver's intentional act is excluded from liability, so even in the event of any emergency, the insurance company will not be responsible for paying if the accident is caused by the driver's deliberate actions.

3. Loss of items in the vehicle:

According to the insurance coverage provisions in the insurance product, the coverage of theft insurance is only the vehicle itself, not the contents of the vehicle.

4. The vehicle hit his own family:

Third party liability insurance is only responsible for compensating for the direct loss of life** or property suffered by a third party as a result of an accident in the insured vehicle.

The third party's definition of the crack shed does not include the insurer, the insured person, the driver and family members of the vehicle at the time of the accident, and the family members of the insured. Therefore, if a motorist accidentally hits his or her own family, the insurance company will not pay.

5. Other losses that are not within the scope of insurance liability:

If the headlights or rearview mirrors are damaged separately, there will be no compensation.

No compensation will be paid for letting the perpetrators who are fully responsible.

If the engine is damaged due to forced ignition at the depth of the water, it will not be compensated.

Damages incurred during the repair of the vehicle are not compensated.

If you drag a car without compulsory traffic insurance, you will not be compensated for the accident.

There is no compensation for equipment installed without permission.

There is no compensation for damage caused by items in the car.

No compensation will be paid for direct repairs without damage assessment.

No compensation will be paid for the theft of vehicle parts.

6. If you are drunk driving, driving without a license, and your driving license or driver's license is not inspected, the insurance company can also refuse to pay compensation.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The insurance company is responsible for the fees and compensation of the first Tongzhong of the compulsory traffic insurance, and no unit or individual shall engage in the compulsory insurance business of motor vehicle traffic accident liability except for the insurance company. Compulsory liability insurance for motor vehicle traffic accidents refers to the compulsory liability insurance in which the insurance company compensates for the personal and property losses of the victims other than the Yamamoto vehicle personnel and the insured wheel thriller caused by the road traffic accident of the insured motor vehicle within the liability limit.

Legal basisArticle 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 5 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

Insurance companies may engage in compulsory insurance for motor vehicle traffic accident liability. In order to ensure the implementation of the compulsory insurance system for motor vehicle traffic accident liability, the insurance regulatory authority has the right to require insurance companies to engage in compulsory insurance business for motor vehicle traffic accident liability. Except for insurance companies, no unit or individual may engage in compulsory insurance business for motor vehicle traffic accident liability.

The insurance company is responsible for the compulsory traffic insurance charges and compensation, and in addition to the insurance company, no unit or individual shall be allowed to carry out the compulsory insurance business of motor vehicle traffic accident liability. Compulsory liability insurance for motor vehicle traffic accidents refers to the compulsory liability insurance that the insurance company compensates within the liability limit for the personal and property losses of the victims other than the insured and the insured caused by the road traffic accident of the insured motor vehicle.

Article 35 of the Trial Measures for the Administration of Social Assistance for Road Traffic Accidents.

The term "victim" in these measures refers to the victim who is involved in a road traffic accident involving a motor vehicle and causes a victim other than the insured motor vehicle owner and the insured.

There are two main ways to obtain a car insurance policy, one is to call the customer service of the car insurance, and the customer service will provide consumers with car insurance. Second, log in to the official website of car insurance, and the owner can do so on the official website.

The insurance company is not only responsible for the payment of compulsory liability insurance, but also has many other types of insurance.

There are only two ways to compensate for compulsory liability insurance: one is no liability compensation and the other is liability compensation. This means that as long as there is responsibility, regardless of whether the high is the main or the secondary, the secondary liability is fully compensated within the limit of the compulsory traffic insurance, not according to the proportion of the accident liability.

As long as the car damage accident occurs, the compulsory traffic insurance is only limited to compensate for the other party's car damage, and its own car damage insurance company is not responsible for compensation.

Compulsory traffic insurance and commercial insurance travel insurance, which insurance company buys is which insurance company to pay, but generally use compulsory traffic insurance first, and commercial hail insurance will be used only when the insurance amount of compulsory traffic insurance is insufficient or not insured.