I had a car accident and bought compulsory traffic insurance, how to get it

1. If the vehicle involved in the accident has purchased insurance, the owner and driver of the vehicle involved in the accident can be sued together with the insurance company that purchased the insurance;

2. The underwriting insurance company shall first compensate within the limit of liability, and the insufficient part shall be borne by the perpetrator.

3. The person obligated to compensate the victim for personal injury, all expenses incurred due to medical treatment, and the income reduced due to lost work, including medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal subsidies, and necessary nutrition expenses.

If the victim is disabled due to injury, the compensation obligor shall also compensate for the necessary expenses incurred by the victim due to the increase in living needs and the loss of income caused by the loss of the ability to work, including disability compensation, disability assistive device expenses, and living expenses for dependents, as well as the necessary expenses, nursing expenses, and follow-up expenses actually incurred due to nursing care and continuation.

Where the victim dies, the compensation obligor shall, in addition to compensating the relevant expenses provided for in the first paragraph of this article on the basis of the circumstances of the rescue, also compensate for the funeral expenses, the living expenses of the dependents, the death compensation expenses, and other reasonable expenses such as transportation expenses, lodging expenses, and lost work expenses incurred by the victim's relatives in handling funeral matters.

4. 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 16 Where a motor vehicle insured with compulsory third-party liability insurance for motor vehicles (hereinafter referred to as "compulsory traffic insurance") and commercial third-party liability insurance (hereinafter referred to as "commercial third-party insurance") at the same time causes damage caused by a traffic accident, and the parties sue the infringer and the insurance company at the same time, the people's court shall determine the liability for compensation in accordance with the following rules:

1) The insurance company that underwrites the compulsory traffic insurance shall first compensate within the limit of liability;

2) The shortfall shall be compensated by the insurance company that underwrites the commercial third-party insurance in accordance with the insurance contract;

Where the infringed party or their close relatives request that the insurance company that underwrites the compulsory traffic insurance give priority to compensation for mental damages, the people's court shall support it.

5. The specific compensation items and calculation standards are described in detail in the provisions 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, and it is recommended to refer to them.

Compulsory traffic insurance is to compensate the other party, not you.

If the other party is a car, there is only compulsory insurance.

That will pay you up to 2,000 yuan for the repair fee.

In the same way, you can pay him a maximum of 2,000 yuan for the repair fee.

The excess is paid out of pocket or by an insurance company with commercial insurance.

If the other party is a person.

Compulsory traffic insurance, up to 10,000 yuan for medical expenses, 110,000 yuan for the deceased, and the excess part is paid out of pocket or by the insurance company that has purchased commercial insurance.

Hello, I'm glad to answer for you: 1. It's useless to buy compulsory traffic insurance immediately after a car accident; 2. If the vehicle is only purchased with compulsory traffic insurance, when a traffic accident occurs, we can only pay according to the compensation scope and amount of the compulsory traffic insurance, but it is necessary to know that the compensation scope of the compulsory traffic insurance is relatively small, and the compensation amount is also very small. I hope my answer is helpful to you

1. How to compensate for a car accident only with compulsory traffic insurance.

1. In the event of a car accident, only compulsory traffic insurance shall be compensated as follows:

1) If it is the responsibility of the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance;

2) If the insufficient part belongs to a traffic accident between motor vehicles, the party at fault shall bear the liability for compensation;

3) If both parties are at fault, the responsibility shall be shared according to the proportion of their respective faults.

2. Legal basis: Article 1213 of the Civil Code of the People's Republic of China.

If the damage caused by a traffic accident of a motor vehicle is the responsibility of one of the parties to the motor vehicle, the insurer underwriting the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for pure demolition of cherry motor vehicles, the infringer shall compensate for it.

2. The coverage of car insurance after a traffic accident is as follows:

1. The insurance compensation items for personal injury suffered by the victim include medical expenses, lost work expenses, nursing expenses, transportation expenses, etc.;

2. If the victim is disabled due to injury, the disability compensation, disability assistive devices or expenses, and the living expenses of dependents shall be increased;

3. In the case of the death of the victim, the compensation for funeral expenses, living expenses of dependents, death compensation, etc. shall be increased;

4. Solatium for mental damage suffered by the victim or close relatives of the deceased.

Legal analysis: The vehicle only buys compulsory traffic insurance, and can only be compensated according to the scope and amount of compensation of the traffic accident after a traffic accident, and the excess part is borne by the insured.

Article 21 In the event of a road traffic accident involving an insured motor vehicle that causes personal and property losses to the victim other than the person or the insured, the insurance company shall compensate within the limits of the compulsory insurance liability 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.

In the event of a car accident, only compulsory traffic insurance should be compensated as follows:

1) If it is the responsibility of the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance;

2) If the insufficient part belongs to a traffic accident between motor vehicles, the party at fault shall bear the liability for compensation;

3. If both parties are at fault, the responsibility shall be shared according to the proportion of their respective faults.

The coverage of car insurance after a traffic accident is as follows:

1. The insurance compensation items for personal injury suffered by the victim include medical expenses, lost work expenses, nursing expenses, transportation expenses, etc.; Noisy.

2. Where the victim is disabled due to injury, the disability compensation, disability assistive device expenses, and living expenses of dependents shall be increased;

3. In the case of the death of the victim, the compensation for funeral expenses, living expenses of dependents, death compensation, etc. shall be increased;

4. Solatium for mental damage suffered by the victim or close relatives of the deceased.

Legal basisArticle 1213 of the Civil Code of the People's Republic of China.

If the damage caused by a traffic accident of a motor vehicle is the responsibility of one party of the motor vehicle, the insurer of the compulsory insurance for the accident of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall, the insurer underwriting the commercial insurance of motor vehicles shall compensate for the deficiency 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.

1. How to compensate for a traffic accident for a vehicle that only bought compulsory traffic insurance.

1. After a traffic accident involving a vehicle that has only bought compulsory traffic insurance, it shall be compensated as follows:

1) If it is the responsibility of the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance;

2) If the insufficient part belongs to a traffic accident between motor vehicles, the party at fault shall bear the liability for compensation;

3. If both parties are at fault, the responsibility shall be shared according to the proportion of their respective faults.

2. Legal basis: Article 1213 of the Civil Code of the People's Republic of China.

If the damage caused by a traffic accident of a motor vehicle is the responsibility of the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; The shortfall shall be compensated by the insurer of the commercial motor vehicle insurance of Chengzi Shibao 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.

2. What is the coverage of car insurance after a traffic accident?

1. The insurance compensation items for personal injury suffered by the victim include medical expenses, lost work expenses, nursing expenses, transportation expenses, etc.;

2. Where the victim is disabled due to injury, the disability compensation, disability assistive device expenses, and living expenses of dependents shall be increased;

3. In the case of the death of the victim, the compensation for funeral expenses, living expenses of dependents, death compensation, etc. shall be increased;

4. Solatium for mental damage suffered by the victim or close relatives of the deceased.

1. How to compensate for compulsory traffic insurance in case of a car accident.

1. Compulsory traffic insurance claims in case of car accidents, depending on the situation

1) When there is responsibility, the maximum compensation for the property loss of the three parties is 2,000 yuan, the maximum compensation for the medical expenses of the three parties is 10,000 yuan, and the maximum compensation for the death and disability of the three parties is 110,000 yuan;

2) When there is no liability, the maximum compensation for the property loss of the three parties is 100 yuan, the maximum compensation for the medical expenses of Duan Qi is 1,000 yuan, and the maximum compensation for the death and disability of the three parties is 11,000 yuan.

2. Legal basis: Article 23 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

Compulsory liability insurance for motor vehicle traffic accidents implements a uniform liability limit nationwide. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

The liability limit of compulsory insurance for motor vehicle traffic accident liability shall be prescribed by the insurance supervision and administration agency in conjunction with the public security department, the health department, and the agriculture department.

2. How to inquire about compulsory traffic insurance.

1. For inquiries by insurance companies, car owners can bring their ID cards to the offline business hall of the company they undertake, and then go to the staff at the counter to help them inquire;

2. For inquiry, the owner can directly call the customer service of the insurance company, and then provide relevant information according to the requirements of the customer service staff, so that the customer service staff can help the car owner inquire about the policy of compulsory traffic insurance;

3. Enter the official website to inquire, the owner logs in to the official ** of the insurance company, and then enters his ID card and license plate number and other information on the policy page, so that he can also query the compulsory traffic insurance policy;

4. Check in the historical record, generally after purchasing compulsory traffic insurance, the insurance company will send the information of the policy. Some are sent via SMS, while others are sent to the customer's mailbox. If you don't delete all this historical information, you can query it in this way.