Compulsory liability insurance terms and conditions, compulsory liability insurance payment rules

You can refer to this for the terms and conditions of compulsory liability insurance.

In addition, it should be noted that, first, you bear the main responsibility in this accident rather than all the responsibility, so in terms of the compensation ratio, it will definitely not be 100%, and the other party will also have to bear some responsibility, so the insurance company will also use the proportion of the penalty as the proportion of compensation to fulfill the responsibility;

Second, the total amount of disability is 50,000 yuan, which refers to the amount of compensation for total disability.

Third, in terms of medical expenses, if the other party uses self-financed drugs beyond the scope of reimbursement or has self-paid examination items, according to the regulations, no insurance company will reimburse this part.

If you still don't know, send me the specific proportion of responsibility for the other party's claim bill, and I'll help you calculate it.

Claims are made according to the terms of the new compulsory insurance (2008 version).

If the compulsory traffic insurance claims are made in the case of a road traffic accident involving a third party** or property damage, the insured should first contact 120 emergency ** (if there is a person**), call 122 traffic police**, and call the insurance company's customer service** to report the case, cooperate with the insurance company to investigate the scene, and may require the insurance company to pay or advance the rescue fee according to the situation.

The insurance company shall, within 1 day from the date of receipt of the compensation application, inform in writing of the certificates and materials related to the compensation that need to be provided; Within 5 days from the date of receipt of the certificate and materials, the insurance liability shall be verified and the result shall be notified to the insured. If it is not an insurance liability, the reasons shall be explained in writing. For those who are liable for insurance, the insurance money shall be paid within 10 days after reaching an agreement with the insured to compensate the insurance money.

Legal Analysis: The principle of compensation for compulsory traffic insurance is the principle of no fault. That is, after the accident, the insurance company shall compensate within the limit of the compulsory insurance liability of motor vehicle traffic accident liability in accordance with the law.

However, if the loss of the road traffic accident is intentionally caused by the victim, the insurance company will not compensate.

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.

Insurance companies have simplified the procedures and processes for the settlement of compulsory liability insurance claims, shortened the case closure cycle, and improved the mechanism for advance payment of rescue expenses. When purchasing compulsory traffic insurance, car owners should pay attention to recording the insurance company's claim number. If the compulsory traffic insurance claims are applied for in road traffic accidents involving a third party** or property damage, the insured should first contact 120 emergency ** (if there is a person**), call 110 traffic police**, and call the insurance company** to report, cooperate with the insurance company to investigate the scene, and according to the situation, the insurance company can be required to pay or advance the rescue fee.

The insurance company will inform the insured or victim of the specific compensation procedures and other relevant matters. After the insurance company accepts the claim, the insurance company of the vehicle of the responsible party shall conduct an investigation and verify the victim's loss. Within 1 day from the date of receipt of the compensation application, the insurance company shall inform the applicant in writing of the certificates and materials related to the compensation; Within 5 days from the date of receipt of the certificate and materials, the insurance liability shall be verified and the result shall be notified to the insured.

If it is not an insurance liability, the reasons shall be explained in writing. For those who are insured liabilities, within 10 days after reaching an agreement with the insured to compensate for the insurance money, the insurance money must be paid Compulsory traffic insurance must be purchased: According to the "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability", starting from August 2021, all new cars and vehicles whose insurance expires must purchase compulsory vehicle insurance for renewal.

Take the following six seats as an example: the premium for private cars is 950 yuan, 1,000 yuan for non-business cars for enterprises, 950 yuan for non-business cars for government agencies, and 1,800 yuan for business rental leases. The insurance company will make a judgment based on the vehicle sales invoice.

Claim: 1. Carry a clear copy of the "Three Certificates and One Document" of the motor vehicle with the car, that is, the owner's ID card, driver's license, driving license and insurance policy. I would like to remind you that the insurance card of many insurance companies is no longer used as a claim certificate.

Second, it is very important to report the accident in time, especially for major accidents. When calling the insurance company to report the accident**, you need to provide basic information such as the policy number, the time and place of the accident, and the nature of the accident. 3. Vehicles with temporary license plates generally only apply for short-term compulsory traffic insurance, and there is a prescribed route and time, and the insurance company does not assume the liability for compensation for accidents that occur on routes and times other than the prescribed routes.

Fourth, when the vehicle is out of danger in a different place, it shall be reported to the insurance company in time, and the damage assessment personnel at the place of accident shall conduct investigation and damage assessment on behalf of the person. The compensation cost is generally valued according to the industry standard of the place of insurance, and if there is partial damage found after returning to the place of insurance, the insurance company can make up the compensation for the repair cost. 5. If the insured wants to entrust the repair shop to handle the compensation, or directly transfer the accident compensation fee to the repair shop, he or she shall sign the power of attorney in person and report to the dust insurance company for the record.

Every time we repair, we sign a quality contract with the repair shop, so that we can protect our legitimate rights and interests.

Legal Analysis: The compulsory implementation of compulsory traffic insurance must be necessary for Zheng to ensure the compensation of victims of motor vehicle road traffic accidents and promote road traffic safety. Compulsory traffic insurance provides timely and basic protection for traffic accident victims, and it is necessary to purchase it.

Therefore, all car owners must be insured.

Legal basis: Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 2 The owner or manager of a motor vehicle driving on the road within the territory of the People's Republic of China shall purchase motor vehicle traffic accident liability insurance in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.