When taking a bus, I bought accident insurance, and there was a scratch, and the passenger was sligh

Second, the claim should understand the protection content of the accident insurance policy, which is generally divided into 3 parts:

1. Accidental injury liability: Claims are made according to the level of disability identification.

2. Accidental medical liability: reimbursement of medical expenses incurred due to accidents.

3. Accidental hospitalization allowance: If hospitalization is required**, there is allowance compensation on a daily basis.

Third, take out your policy and see what the specific amount of insurance coverage for the above three insurance liabilities is, and you will have a good idea of the amount of claims.

Fourth, the claim process:

1. Provide the corresponding claim information according to the requirements of the insurance company.

2. Wait for the result of the claim.

3. If the claim is approved, the submitted bank card account will receive the claim within the specified date, and the general case will not exceed half a month.

You can claim compensation from the transport company or bus company for breach of contract or tort (choose one of the two). The insurance company files a claim as agreed in the insurance contract, but the medical expenses may not be upheld by the court.

According to Article 17 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases, the compensation obligor shall compensate the victim for personal injury, all expenses incurred due to medical treatment** and the loss of income due to lost work, including medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal subsidies, and necessary nutrition expenses. It can be resolved through mediation, and if mediation fails, it can be resolved by litigation in court.

Accidents are compensated, but some accident insurance can also be compensated for outpatient treatment, and some are compensated for accidental hospitalization, you look at the policy terms.

If it's an accident, contact the insurance company's claims customer service and they will arrange it.

Regular buses have passenger accident insurance, find the bus driver or the bus operation management department.

First of all, look at the contract to see if there is accidental medical treatment, find the insurance company of your policy, and call customer service.

A passenger car is insured, contact the driver 2

Find insurance**.

Hit **Contact Your Insurance** Person!

Short-term insurance can be compensated with medical treatment, which insurance company is the platform.

If you have a unilateral accident that causes injury to your own passengers, the liability insurance for the occupants of the motor vehicle can be compensated. Insurance liability of motor vehicle personnel liability insurance: During the insurance period, the insured or its permitted driver has an accident in the process of using the insured motor vehicle, resulting in the person on the vehicle suffering personal **, and does not fall within the scope of exemption from the liability of the insurer, the insurer shall be liable for the damage liability of the person on the vehicle in accordance with the law, and the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract.

Liability insurance claim process for on-board personnel:

1. When the insured makes a claim, it shall provide the insurer with:

a) Insurance policy;

2) Valid identification of the insured and the persons in the vehicle, the driving license of the insured vehicle, and the driver's driving license;

C) the public security organs to clear the traffic accident responsibility issued by the traffic management department or the relevant legal documents and other certificates issued by the court and other institutions;

4) Proof of the degree of personal disability of the person on the vehicle and relevant expense receipts;

5) Other relevant certificates and materials that can confirm the nature, cause, and extent of loss of the insured accident.

2. If the insured does not have an insurance interest in the insured vehicle at the time of the occurrence of the insured event, he shall not claim compensation from the insurer.

3. In the event of a road traffic accident involving the insured vehicle, the insurer shall be liable for compensation according to the proportion of the driver's liability for the accident in the traffic accident.

If the traffic management department of the public security organ handles the accident without determining the proportion of responsibility for the accident, the proportion of responsibility for the accident shall be determined in accordance with the following provisions:

If the insured vehicle bears all the responsibility for the accident, the accident liability ratio shall not exceed 100%;

If the insured vehicle bears the main responsibility for the accident, the accident liability ratio shall not exceed 70%;

If the insured vehicle bears the same liability for the accident, the proportion of accident liability shall not exceed 50%;

If the insured vehicle bears secondary accident liability, the accident liability ratio shall not exceed 30%;

If the insured vehicle is not liable for the accident, the insurer shall not be liable for compensation.

Four. According to the proportion of accident liability borne by the driver in the traffic accident, the insurance implements the corresponding accident liability deductible odds: 15% for the full liability, 10% for the primary liability, 8% for the same liability, and 5% for the remaining secondary liability.

The penalty for the failure of liability for a unilateral accident is 15%.

5. Compensation costs for on-board personnel liability insurance.

After the occurrence of the person's personal ** on the vehicle, the compensation amount for the person on the vehicle shall be calculated according to the following method:

1) When the amount of compensation payable by the insured according to the proportion of accident liability is higher than the compensation limit for each seat:

Indemnity = Compensation limit per seat (1 - Accident Liability Waiver) (1 - Absolute Waiver).

2) When the amount of compensation payable by the insured according to the proportion of accident liability is equal to or lower than the compensation limit for each seat:

Indemnity = Liability Amount (1 - Accident Liability Waiver) (1 - Absolute Waiver).

In the event of a car accident, the carrier shall be liable for compensation for the injury of the passenger, unless it is caused by the passenger's own health or the carrier proves that it is caused by the passenger's intention or gross negligence, and the insurer who underwrites the compulsory motor vehicle insurance shall compensate within the limit of the liability of the compulsory insurance; For the shortfall, the insurer underwriting the commercial motor vehicle insurance shall compensate in accordance with the provisions of the insurance contract.

Article 823 of the Civil Code of the People's Republic of China The carrier shall be liable for compensation for the passengers' ** during transportation; provided, however, that this is not the case if it is caused by the passenger's own health or if the carrier proves that it was caused by the passenger's willful intention or gross negligence. The provisions of the preceding paragraph shall apply to passengers without tickets who are exempt from tickets, hold preferential tickets, or are permitted by the carrier to board in accordance with the regulations. Article 1213 of the Civil Code of the People's Republic of China Article 1213 If a motor vehicle is involved in a traffic accident and the damage is the responsibility of the motor vehicle, the insurer underwriting the compulsory insurance of the motor vehicle shall compensate within the limit of the liability of the compulsory insurance; For the shortfall, the insurer underwriting the commercial motor vehicle insurance shall compensate in accordance with the provisions of the insurance contract. If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.

The method of claiming for injuries to persons in the vehicle in the collision between two vehicles is as follows, assuming that the two parties to the accident are vehicle A and vehicle B, taking the injuries of the persons in vehicle B as an example:

1. Report to the traffic police to divide the responsibility for the accident.

2. Car A shall first compensate for the loss of Car B in full within the amount of liability for the sub-items of compulsory traffic insurance. The amount of compensation for car A's liability in the accident is: 110,000 yuan for death and disability, 10,000 yuan for medical expenses, and 2,000 yuan for property damage; If car A is not responsible in the accident, the compensation amount is:

10,000 yuan for death and disability, 1,000 yuan for medical expenses, and 100 yuan for property.

3. If there is still a deficiency after the compensation of the person on the vehicle B is compensated by the compulsory traffic insurance, it will be shared by both parties according to the division of responsibility, and the liability of car A shall be borne by the three insurances, and Party A shall bear the three insurances if Party A has not purchased the three insurances or the three insurances are not enough to compensate, Party A shall bear them by himself;

4. According to the division of responsibility, Party B's on-board personnel insurance shall bear the liability for the loss other than Party A's compulsory traffic insurance and Party A's compensation liability, and if the on-board personnel insurance is not purchased or the insurance amount of the on-board personnel insurance is not enough to compensate, the driver of Party B shall bear it, that is, if Party B's injured person is the driver, it shall bear it by itself; If the injured person is not the driver, the driver is liable for compensation to the passengers.

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

In the process of using the vehicle with passenger seat liability insurance, an accident occurs, resulting in the personal injury of the passengers on the insured vehicle, and the insurer shall compensate the insured in accordance with the provisions of laws and regulations and the insurance contract.

Normally, the coverage of passenger seat liability insurance is agreed by both parties, after the insured pays the insurance premium, the insurance company shall be liable for compensation in accordance with the relevant provisions of the third party liability insurance of the insurance policy and the following provisions of the insurance policy. If you are not insured, you will certainly not be covered.

Legal basis: "Insurance Law of the People's Republic of China" Article 2 The term "insurance" in this law refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property loss caused by the occurrence of the possible accident agreed by Kaifan, or assumes the responsibility of paying the insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.