How can I get insurance for non traffic accidents? Is there any information on this?

What LZ needs is vehicle insurance, external insurance or personal accident insurance, which is available from major insurance companies.

1. The vehicle accident insurance of major insurance companies (life insurance, property insurance) can bear the death or disability liability of the insured when taking a commercial aircraft, ship, automobile (including taxi) and rail transit as a passenger, and the maximum insurance amount is agreed in advance. Under normal circumstances, the insurance amount for trains and ships is 50% of that for airplanes, and for cars is about 8% of airplanes, and the terms of each company are slightly different;

2. If you want to include the accidental abrasions and bruises mentioned by LZ, you need to attach accidental injury medical insurance, which is an additional insurance, which needs to be attached under the premise of purchasing Article 1, and a separate insurance amount will generally be agreed, please pay attention when purchasing;

3. If you want to be covered when you take various types of transportation (including buses and private cars), then you should choose regular accident insurance, the cost may be slightly higher than Article 1 (the minimum risk standard rate is here, but each company will have different discounts), and don't forget to add accidental injury medical rider insurance.

4. If you make a claim, you will generally report the case after the accident, and claim to the insurance company with the policy, personal identity certificate or power of attorney, outpatient or inpatient medical records, and invoices after the accident. In the unfortunate event of the insured death, your legal heirs will be paid by default if no beneficiary is designated.

Specific product terms and legal provisions are available.

Inquiry, very informative.

Personal purchases are recommended to you.

Choose personal accident insurance to apply online, the transaction is convenient, and there are discounts.

When you go out, it's best to pay attention to safety and not risk it.

Different accident insurance, or traffic accident insurance, have this cover.

1. Does Yinghui not pay for road traffic accidents?

1. The insurance company will not pay for non-road traffic accidents. The law clearly stipulates that in the event of a road traffic accident, if the insured or a third party suffers personal or property losses, the compulsory traffic insurance shall bear the liability for compensation within the limit. Therefore, if it is not a road traffic accident, the compulsory traffic insurance will not pay.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident 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.

Article 23.

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.

2. What are the procedures for handling road traffic accidents?

1. Call the police immediately after a traffic accident;

2. Notify the insurance company;

3. The traffic police arrived at the scene to conduct on-site inspection and investigate the accident;

4. When identification and testing are required, the vehicle shall be detained;

5. Issue a traffic accident liability determination within the statutory time limit.

Dear Glad to answer for you. If it is an accident with a motor vehicle. In the event of a traffic accident between a motor vehicle and a non-motor vehicle, it is basically the motor vehicle driver who pays the bill, and the insurance company with insurance pays the bill, and the driver of the motor vehicle is required to pay for the insufficient part.

In the event of a traffic accident between a motor vehicle and a non-motor vehicle driver or pedestrian, and the non-motor vehicle driver or pedestrian is not at fault, the motor vehicle shall be liable for compensation; If there is evidence to prove that the driver or pedestrian of the non-motor vehicle is at fault, the liability of the party responsible for the motorcycle shall be appropriately reduced according to the degree of fault; If the motor vehicle party is not at fault, it shall bear no more than 10% of the liability for compensation. If the loss of a traffic accident is caused by a non-motor vehicle driver or pedestrian intentionally colliding with a motor vehicle, the motor vehicle party shall not be liable for compensation. Search and close envy.

The insurance company shall compensate within the insurance limit, regardless of whether it is on or off the road. Compulsory insurance for motor vehicle traffic accident liability is not limited to the word "road" for "compulsory insurance of road motor vehicle traffic accident liability", as the name suggests, it is to compensate for road traffic accidents, but non-road traffic accidents are not excluded from compensation. Legal basis:

Article 119 of the Road Traffic Safety Law of the People's Republic of China The meaning of the following terms in this Law: (1) "Road", "Demolition Town" refers to highways, urban roads and places where social motor vehicles are allowed to pass although they are within the jurisdiction of the unit, including squares, public parking lots and other places used for public passage. (2) "Vehicle" refers to motor vehicles and non-motor vehicles.

3) "Motor vehicle" refers to a wheeled vehicle that is driven or towed by a power unit and driven on the road for personnel or for transporting goods and carrying out special engineering operations. (4) "Non-motorized vehicles" refers to vehicles that are driven by human or animal power and driven on the road, as well as motorized wheelchairs, electric bicycles and other vehicles for the disabled that are driven by power units but are designed to meet the relevant national standards in terms of maximum speed, empty mass, and external dimensions. (5) "Traffic accident" refers to the incident of personal or property damage caused by the fault or accident of the vehicle on the road.