How to pay for commercial vehicle insurance?

Your vehicle insurance company will only refuse to pay for the liability of the insured vehicle due to the change in the nature of use. If the other car is liable, the insurance company of the other car will compensate for the part of the liability borne by the other car. At the same time, you should also compare the loss of the responsible part of your car compared to the responsible part of the other party's car, if the other party can compensate you 5000, you have to compensate the other party 6000, or forget it.

Hope it solves your problem.

In 1986, China promulgated the "Interim Regulations on the Administration of Road Transport", which stipulates that road transport is divided into two types, namely commercial and non-commercial. All kinds of transportation that provides labor services to the society and incurs various forms of cost settlement are classified as commercial transportation, while other transportation that does not generate cost settlement for the production and life services of the unit is called non-commercial transportation. Vehicles used for commercial transportation are commercial vehicles, such as taxis.

For commercial vehicles, because of their high frequency of use, easy to overload, so the frequency of accidents is also relatively high, for insurance companies, its loss ratio is also very high, and the premium at the time of insurance is relatively high. Therefore, it is very important for car owners to follow the regulations of commercial vehicle insurance.

Business Vehicle Insurance Regulations:

First, the number of passengers and cargo capacity of the vehicle is required not to violate the regulations, that is, it cannot be overloaded; Article 2 requires that the owner of the vehicle cannot transport passengers with vehicles transporting goods, and the safety of passengers must be guaranteed; Article 3, the length, width and height of the cargo on board are required not to violate the loading requirements. These regulations not only ensure the safety of car owners and passengers, avoid unnecessary traffic accidents, but also protect the interests of insurance companies.

After fulfilling the rules set out in the insurance contract, the insurance company will pay according to the terms of the insurance contract if the insurance is in the event of an accident. If the rules are violated, there will be a denial. To insure a commercial vehicle, it is the obligation of the car owners to comply with the provisions of the commercial vehicle insurance.

That is, it protects the legitimate interests of the insurance company, but more importantly, it protects the safety of the car owner.

3. If you are registered in the name of a non-commercial car when you purchase insurance, and you can prove that the car is for your own use, the insurance company should pay in accordance with the terms of the insurance. You only need to provide the name of the business license, which must be consistent with the account of the vehicle, that is, you can prove that you are using your own vehicle to transport your own goods, and you can get the insurance company's claim. If a traffic accident occurs when a non-commercial vehicle engages in transportation business in the society, it is necessary to provide the vehicle's operating certificate when seeking compensation from the insurance company; If the road transport operation certificate issued by the transportation department cannot be delivered, the insurance company will not pay the claim.

However, if the goods you are pulling are for business and there is a traffic accident, the insurance company will not pay for it.

The nature of the use of commercial vehicles is different from that of non-commercial vehicles; There is a difference between the insurance purchased by the two, and the insurance rate of commercial vehicles is significantly higher than that of non-commercial vehicles; Even if you purchase insurance for a commercial vehicle as a non-commercial vehicle through operation, it will be very difficult to make a claim once the insurance is out of business, or even not get a claim.

Answer: If there is an accident and it happens to be the goods pulled for others, then the insurance company will not be able to pay a claim after the accident. If it can be proved that it is a self-pulled goods, not a business, the insurance company will be responsible for paying the claim.

1. It is necessary to purchase compulsory traffic insurance, operation insurance, insurance for operation, third-party liability insurance, etc.

If the vehicle is used for operation, in addition to the compulsory traffic insurance, we also need to purchase operation insurance, third party liability insurance, and so on. The car on the road, whether it is a private car or a rental car, should have insurance, which is a kind of protection for the driver, because once a traffic accident occurs, not having insurance will make you suffer a lot of energy loss.

2. The non-operating truck has bought the insurance of the operation and pulls the goods to others, and the insurance company will not pay the claim.

If there is an accident for a non-operating truck and you have bought an operating insurance, it happens that the goods pulled on the truck are for someone else, and the insurance company will not pay the customer after the insurance, because your vehicle is non-operational. You bought the insurance of the operation, and you are pulling the goods for others, not for yourself, so the insurance company refuses to make a claim. There are no rules, you must buy insurance in accordance with the regulations, and you must ask in detail before buying insurance, what kind of situation can you make a claim?

There must be no luck mentality, and insurance companies will not let you take advantage of this kind of loophole.

3. Non-operating trucks can be proved to pull goods for themselves and can get compensation.

If it is a non-operating truck and has bought an operating insurance, it can prove that it is a cargo pulled by itself, and provide corresponding evidence, and the insurance company must be responsible for making a claim. Although I have business insurance, I am pulling my own goods, so the insurance company has to compensate me.

Question: Non-commercial cars have bought operating insurance, and they don't accompany them!

That's so much money for operating insurance!

Not only is the driving license a vehicle of a business nature, but the insurance will be denied according to the non-business nature, even if you are a non-business vehicle, as long as you are engaged in business and related claims accidents occur, the claim will be denied.

Commercial vehicles are highly risky and have high premiums, so insurance companies will not do low-investment, high-risk things.

Legal Analysis: It is to give compensation. If the responsible party is insured with compulsory traffic insurance or third-party liability insurance, and claims compensation for the loss of suspension during the repair period of the damaged vehicle, in the case of compensation for traffic accident damages, the person responsible for the traffic accident or the person responsible for tort compensation is directly responsible for the loss of vehicle operation, and the operational loss is part of the property loss of the traffic accident. Those responsible for traffic accidents shall be compensated.

So compensation. 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 15 Where a vehicle engaged in commercial activities such as cargo transportation and passenger transportation in accordance with the law is unable to engage in the corresponding business activities, and the party requests the infringer for compensation, the people's court shall support it.