Should the 2,000 yuan of car insurance compensated by compulsory traffic insurance be deducted from

1. First of all, it is necessary to understand the insurance object of each type of insurance, compulsory traffic insurance is only responsible for compensating the losses of the three parties, that is, other parties (such as the death of the three, the personal injury of the three, and the property loss of the three), while commercial insurance is a general name, which includes many types of insurance, such as common car damage insurance, commercial three insurance, driver and passenger insurance, glass broken alone, scratch insurance, theft insurance, etc.

Among them, the insurance object of compulsory traffic insurance is the same as that of commercial three-party insurance, the difference is the limit of compensation, compulsory traffic insurance is a sub-limit, the death and disability limit of the three is 110,000, the personal injury limit of the three is 10,000, and the property loss of the three is 2,000, while the commercial three-party insurance is not divided into items, for example, the limit of commercial three-party insurance is 100,000, no matter what loss of the three, it is responsible for the maximum loss of 100,000.

Other types of commercial insurance, such as car damage insurance, theft insurance, drivers and passengers, etc., are specific to the insurance objects, such as car damage insurance is responsible for the damage to their own vehicles, theft insurance is responsible for the theft of the whole car, and the driver and passengers are responsible for the personnel on the car.

2. After figuring out the insurance object, it depends on the nature of your insurance accident, if it is the loss of the three parties, it is the priority to pay in the compulsory traffic insurance, if the sub-limit of the compulsory traffic insurance is not enough to compensate, and then pay from the commercial third insurance limit, because the insurance object of these two types of insurance is the same, the compensation is different, the compulsory traffic insurance is not divided into accident liability, as long as the subject car is responsible, regardless of whether the responsibility is full or the same responsibility or the secondary responsibility, as long as there is responsibility, the compulsory traffic insurance will be paid in full, For example, if the liability is 70%, then the commercial third-party insurance will only pay 70% after deducting the compensation part of the compulsory traffic insurance.

3. In short, the insurance compensation is the priority of compulsory insurance, if the compulsory insurance is paid, the insufficient part will be paid by the commercial third-party insurance, but the commercial third-party insurance will only pay the difference between the actual loss and the compulsory liability insurance, and will not be repeated. If it only involves a unilateral accident involving the loss of its own vehicle, the compulsory traffic insurance will not pay.

For example, the other party loses 3000The compulsory insurance pays 2000, and the remaining 1000 is compensated in the three-party insurance in the commercial insurance.

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.

Legal analysis: Commercial insurance is determined according to the number of vehicle accidents in the provisions of compulsory traffic insurance, regardless of commercial insurance and compulsory traffic insurance.

Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 21 If a road traffic accident occurs in an 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 limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 22 In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accidents, and shall have the right to recover compensation from the victim: (1) the driver has not obtained driving qualifications or is intoxicated; (2) The accident is caused during the theft and robbery of the insured motor vehicle; (3) The insured intentionally causes a road traffic accident. In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

Article 24 The State shall establish social assistance for road traffic accidents** (hereinafter referred to as assistance**). In any of the following circumstances, the funeral expenses and some or all of the rescue expenses of the victim in the road traffic accident shall be paid in advance by the rescue, and the rescue management agency shall have the right to recover from the person responsible for the road traffic accident: (1) The rescue expenses exceed the liability limit of the compulsory insurance of motor vehicle traffic accident liability; (2) The motor vehicle involved in the accident has not participated in the compulsory insurance of motor vehicle traffic accident liability; (3) Fleeing after a motor vehicle has been hit.

1.Your compulsory liability insurance is used to compensate the other party, and has nothing to do with your loss;

2.If you have commercial insurance and if you have seat insurance for the people in the car, the driver and co-pilot can claim according to the amount purchased, and I think your co-pilot is not wearing a seat belt for medical expenses, and many companies are exempt from liability under the terms of many companies, so you can't compensate.

3.The other party does not have any insurance, and all your remaining losses are directly negotiated with the other party for compensation, basically according to 50% of the amount; If the other party does not agree, it will sue, and Yu Tsai will let the court enforce it after the judgment.

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