Car insurance quotas, detailed knowledge about car insurance

This is very easy to calculate, both cars A and B have bought compulsory traffic insurance, and both have car damage insurance, car cargo liability guarantee insurance, and three insurance. 1.According to the compensation rules of compulsory traffic insurance, the third party has compulsory insurance money to compensate, so A and B pay each other 2,000 yuan first.

2.The total amount of car damage of A is 5,000 yuan, because of the purchase of commercial vehicle damage insurance, from the data you provide, A and B did not purchase the "special insurance without deductible" of commercial insurance, so the deductible of 15% of the car damage should be deducted, according to the claim rules, (5,000 yuan-2,000 yuan) x (1-15%) = 2,550 yuan; In addition to the loss of goods of 10,000 yuan, the total compensation of commercial insurance is 12,550 yuan. The total amount of car damage of B is 4,000 yuan, and he has also purchased commercial insurance, and he has not purchased the "special insurance without deductible" of commercial insurance, so he must deduct the deductible of 15% of the car damage, according to the claim rules, (4000-2000) x (1-15%) = 1550 yuan, plus the loss of goods 5000 yuan, the total compensation of commercial insurance is 6550 yuan.

3.The overall amount of commercial insurance in this case is 12,550 + 6,550 = 19,100 yuan, combined with the liability judgment of the traffic police: A:

70%, B: 30% and the fixed accident liability deductible in commercial insurance is 500 yuan, so the compensation of commercial insurance company to A is: 19,100 yuan x 70% + compulsory traffic insurance 2,000 yuan - 500 yuan = 14,870 yuan, and the compensation for B is:

19,100 yuan x 30% + compulsory traffic insurance 2,000 yuan - 500 yuan = 7,230.

Hehe, friend, give 50 points for a question, I don't know what your purpose is. First of all, I don't know which insurance company you are underwriting In fact, in the commercial third and commercial car damage, there is an additional insurance, called the deductible insurance, according to China United Insurance Company, for example, trucks and commercial vehicles are not allowed to buy. Moreover, commercial insurance has an absolute deductible of 500 yuan in the special agreement.

The total loss of the two parties is 15,000 yuan for Party A and 9,000 yuan for Party B. First of all, according to the premise that there is compensation for the liability of the compulsory traffic insurance, first Party A compensates Party B 2,000 yuan for the compulsory traffic insurance, Party B compensates Party A for 2,000 yuan, Party A's loss is 13,000 yuan, and Party B is 7,000After the concession, Party A's insurance company will compensate Party A for the car damage (5000-2000 (Party B has already compensated)) * 70% (Party A is responsible for 70%) * 85% (because there is no non-calculation, the main liability is exempted from 15%) - 500 (absolute deductible) = 1285 yuan.

Party A's insurance company's commercial three liability compensation (9000-2000 (Party A's compulsory traffic insurance has been compensated)) * 70% * 85% = 4165 yuan Party A can get 2000 + 1285 + 4165 = 7450 yuan from the insurance company. Party B is the same formula. Car damage insurance (4000-2000 (Party A has compensated)) * 30% (proportion) * 90% (liability exemption) - 500 (absolute deductible) = 40 yuan.

Three liability insurance (15000-2000 (compulsory traffic insurance has been compensated)) * 30% * 90% = 3510 yuan. Party B can get 2000 + 40 + 3510 = 5550 yuan. You may say that it is not all lost, indeed, one of the three characteristics of insurance is the principle of compensation.

Therefore, in the event of an accident, although there is insurance to reduce the loss, you still have to lose, so the form of safety is very important. I hope my answer can help you.

Content from user: Cao Juyong.

A complete knowledge of vehicle insurance.

What is included in the first year of car insurance? What should I pay attention to? There is no concept of all-risk in the clauses.

The all-risk insurance that is often referred to refers to the commonly used types of insurance. Includes basic insurance: car damage, three, people on board, theft, additional insurance:

Glass, scratches, spontaneous combustion, wading, and no deductible special clauses. It should be noted that there is no need for spontaneous combustion insurance for new cars, and the manufacturer has a warranty.

My car is fully insured for the first year, what is the coverage for the second year? Depending on your financial strength, you can not take full risk. Generally, the last thing you need is spontaneous combustion insurance, because the probability of spontaneous combustion of general vehicles is very low, and the probability of paying attention to it is even lower.

If you are not afraid of the car being stolen, you can not go to the theft insurance, if you are not afraid of the car being scratched, you can not go to the scratch insurance, if you are not afraid of the glass breaking, you can not go to the glass insurance. Because the compulsory traffic insurance is simply a virtual reality, once an accident occurs, the money of the compulsory traffic insurance is not enough at all. In addition, the regulations and standards of various insurance companies are different regardless of deductibles and other items, so you must ask clearly before you go up.

1.Compulsory traffic insurance "compulsory insurance for motor vehicle traffic accident liability" This is required by the state to buy, to protect the people and cars that you hit without buying this insurance, the car can not be on the road, to be fined, is a mandatory third-party liability insurance, although it is mandatory, but the protection effect is not high, so to buy the three-party liability insurance to supplement. The current premium for ordinary cars is 950 yuan a year; 2.

Basic commercial insurance main insurance: vehicle loss insurance, third party liability insurance, theft insurance, vehicle personnel liability insuranceVehicle loss insurance: For example, if you have an accident and your car is broken and needs to be repaired, the insurance company will help you out.

This is not just a source of knowledge about car insurance, it is the basics of insurance. I want to tell you from the beginning, but I am too tired to type, so I'll talk about it briefly.

There are two core processes in insurance: underwriting and claims.

When you just said the knowledge of claims, you should mean the knowledge of claims. Among them, deductible and deductible are not only in the category of claims, but also the claim rules set at the time of underwriting, and the compensation will be paid in accordance with the rules when the claim is settled.

Do you work for an insurance company or buy insurance?

If you want to buy insurance, you don't need to know too much detail. If you ask me what the deductible means, the deductible is the part that the insurance company does not pay. It can be fixed, and it can be fixed.

For example, the quota (or rate) exemption is 100 (or 5%) yuan, which means that there is no compensation for less than 100 (or 5%) yuan, and if it is more than 100 yuan, it will be compensated after subtracting 100 yuan, which is called absolute deductible. It means that this money will not be compensated to you, it will be exempted. There is also a relative deductible (rate), once the loss reaches this number, the full amount is paid.

No compensation if it is not reached.

If you work for an insurance company, you just know that this is not going to work. This is just the basic concept, and there is also insurance mathematics and so on. There is still a certain difference between property insurance and life insurance. Feel free to discuss.

I wonder if the insurance company will take care of it all after a crash.

Let's first understand the types of insurance: BAI compulsory traffic insurance and commercial DU

property insurance; Commercial insurance includes: three types of insurance.

DAO, seat insurance, car damage insurance.

Theft insurance, etc., additional risks include deductibles, scratches, wading insurance (engine), glass breakage *****. Excluding deductible (deductible): According to the relevant regulations of the Insurance Regulatory Commission, the insurance payout is generally 80%, and 20% (deductible) is borne by the driver, excluding the deductible insurance is equivalent to transferring the 20% of the risk to the insurance company!

There is generally no deductible after you have voted for the deductible. Another: If your car is damaged by a third party and the third party cannot find it, the insurance company will only pay 70% of the loss.

Feel free to ask questions about other situations!!

In general, it is not necessary.

It mainly depends on the economic conditions and the driving environment:

1. If you are an economically wealthy car owner, it is natural to buy 1.5 million yuan in a second-tier city. However, if you live in a city outside of the third or fourth line, there are not many luxury cars on the road, and the quota of 1.5 million is not necessary. A million is enough.

2. If you are a car owner with average or even tight economic conditions, you can buy 1 million or 1.5 million triple insurance in a first-tier or second-tier city. If you live in a Tier 4 or Tier 5 city, there is no need to buy 1.5 million lines.

These three types of insurance are not enough. Some people think that if they buy three liability insurances, everything will be fine. Many people forget or don't buy non-compensation insurance because they save money.

In fact, one of the three risks is not a win. The owner bears full liability, primary liability, equal liability, and secondary liability, and the insurance company is exempt from paying % and 5%, respectively.

Generally, if you are fully responsible for the accident, you have to pay $1 million, because the insurance company has a 20% franchise, so you only need to pay $800,000, and the remaining $200,000 is your own responsibility. If you have purchased non-deductible insurance, the insurance company will cover all reimbursement costs up to the limit.

Relying solely on the three insurance, the amount of compensation that can be paid is limited. In the event of a major accident, the role of the three insurances comes into play. The premium of 1 million yuan is 1905 yuan, which is about 500 yuan, so the premium of 1.5 million yuan fluctuates at 2400 yuan.

The three car insurance to buy 1.5 million mainly depends on the economic conditions and driving environment.

1. If you are a wealthy car owner, it is natural to live in a first- or second-tier city to buy 1.5 million; But if you live in a city outside the third and fourth tiers, there are not many luxury cars on the road, and the quota of 1.5 million is not necessary, and it is enough to buy 1 million.

2. If you are a car owner with an average economy or even nervousness, you can buy a third-party insurance of 1 million or 1.5 million yuan if you live in a first- or second-tier city, and there is no need to buy a 1.5 million limit if you live in a fourth- or fifth-tier city.

Some people think that everything will be fine if they buy three liability insurance, and many people will forget or do not buy deductible insurance because they save money. In fact, one of the three insurances does not count the deductible odds. The owner of the car bears full liability, primary liability, equal liability, and secondary liability, and the insurance company deducts the deductible respectively.

Generally speaking, you pay all the responsibility for an accident and have to pay 1 million yuan, because the insurance company has a 20% free odds, so only 800,000 yuan will be paid, and the remaining 200,000 yuan will be borne by yourself. If you have purchased deductible-free insurance, the insurance company will cover the full cost of compensation within the limit.

Hello, you can choose this insurance amount, 1 million, 1.5 million are all insurable questions about how much is the insurance premium of 200w.

Ora Black Cat 351km Standard New car, how much premium do you need 200w to answer the factors that affect the car insurance rate roughly include: the purchase price of the vehicle, the different uses and performance of the vehicle, the technical level of the owner, safety awareness, violation records, claim records, etc. The specific need for the actual accounting of the staff of the insurance company shall prevail.

If you want to calculate the premium of commercial insurance, you need to provide your ID card, driving license and mobile phone number, and you can arrange for a teacher to calculate the car insurance premium for you.

Question: The car hasn't arrived yet.

The higher the purchase principle of third-party liability insurance, the better At the moment, the level of 500,000 is clearly not enough, in an embarrassing situation, the food is tasteless, regrettably abandoned, the 1 million class is the mainstream, the vast majority of people buy this class, however, now they seem to be basically on the verge of being eliminated.

At the level of 1.5 million, many people bought it, barely enough, and at the level of 2 million, the number of buyers is the lowest, because this level has only started in the last two years, so it is not popular.

Recommendation: Buy third-party liability insurance with an amount of 2 million, which is enough to cope with 99% of the situations you encounter, considering the current social development.

Finally, don't forget to purchase non-deductible insurance. This is purchased together with third-party liability insurance, which can give full play to the maximum role of insurance, and it is recommended to purchase rationally according to your own needs, and the insurance amount is high and the premium is high.

The three insurance is a must-buy, not to mention how to buy the three insurance, there are so many types of car insurance, which ones to buy, do all car owners know? If it's not clear, read this article first:What are the types of car insurance? Do you want to buy them all?

Is it necessary to buy 1.5 million sum insured for the three insurance? Let's follow the senior sister to learn about this car insurance first, and then decide.

1. What is third-party liability insurance?

Third-party liability insurance mainly protects the personal and property damage of a third party in a traffic accident.

To put it simply, hitting pedestrians, personal belongings, colliding with vehicles and causing damage to other vehicles (injuries to people in other vehicles, damage to items in the vehicle), and collisions with public property (guardrails, etc.) are all covered by the three insurances.

Second, how to compensate for the third insurance

After purchasing, you will be required to compensate a third party for losses in the event of an accident. The insurance company will pay out the expenses that are eligible for the claim within a limited amount according to the sum insured.

But! There are several cases in which no compensation is made:

1. The part of the free odds should be paid for by yourself!

The insurance company will set a certain percentage of the deductible according to the cause of the accident.

The free odds of the three insurances are 5% to 20%, and if the compensation is 100,000, the free odds are 20%, and the car owner pays 20,000 yuan!

Note! There is a kind of additional insurance called no deductible, after buying, you can transfer this deductible part to the insurance company, which greatly reduces personal economic losses, so it is recommended to buy "three insurance" at the same time.

The free odds are specifically for the free odds, the rate is not high, and it is cheap. See for details:What is deductible insurance? You'll understand after reading it!

2. The part that exceeds the insured amount must be paid by yourself!

If you want to lose more money than you bought, you can only pay for the excess! Therefore, the insured amount of the three insurances should be carefully chosen.

3. How much is the amount of third-party liability insurance?

The amount of liability insurance is best considered in combination with the local ** compensation standard and its own economic level.

But it is generally recommended to purchase more than 1 million insurance amount, why?

If you hit a luxury car, the accident is slightly more serious, and the compensation of 500,000 yuan is considered less.

If you hit someone, the victim's compensation items include: medical expenses, lost work expenses, nursing expenses, transportation expenses, nutrition expenses, mental damages and other nine items, not to mention nine items, just medical expenses are a lot!

In the event of a major accident, the individual death compensation is 700,000 and is increasing every year.

Personal injury compensation + car damage compensation, the two are superimposed, and the amount of compensation will not be low.

Therefore, it is best to buy an insurance amount of 1 million or more, and if you are in a city with good economic development, 1.5 million is still very necessary.

If you want to know more about the content of the three insurances, you can poke:【Third Party Liability Insurance】Everything you want to know is here!