Ping An car insurance is fully limited to my full liability of 300,000 yuan, and the commercial limi

Ping An Auto Insurance's 300,000 commercial insurance compensation maintenance fee is calculated based on the deductible odds of your insurance.

How to calculate the amount of compensation for third party liability insurance:

In the event of an accident involving an insured vehicle that causes a third party, the insurance company shall determine the amount of compensation specified in the insurance policy in accordance with the Measures for the Handling of Road Traffic Accidents, relevant laws, regulations and insurance contracts, and shall compensate for the amount specified in the insurance policy. This is the compensation of third party liability insurance.

According to the provisions of the Motor Vehicle Insurance Provisions, the maximum amount of compensation per accident for third party liability insurance shall be determined according to the choice of different vehicle types:

1) In different regions, the maximum compensation limit for motorcycles and tractors is divided into four grades: 20,000 yuan, 50,000 yuan, 100,000 yuan and 200,000 yuan;

2) The maximum compensation limit for other vehicles is divided into six grades: 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan, and the maximum amount does not exceed 10 million yuan;

3) The trailer insurance and the main vehicle are regarded as one. In the event of an insured accident, the liability arising from the trailer shall be deemed to be the same as the liability arising from the main vehicle. The sum of the insurer's liability for the trailer and the main vehicle shall be limited to the limit of the main vehicle.

When the amount of compensation payable by the insured to a third party** exceeds the compensation limit.

Insurance Company Compensation = Compensation Limit (1 Waiver).

For example, when the insured Guo purchased third-party liability insurance, he chose the maximum compensation limit of 5 yuan, and Sun drove a car in a car accident and caused the third party Zhao to be disabled, according to the public security traffic management department, Sun should bear secondary responsibility for the accident and should compensate the third party Zhao for various losses totaling 60,000 yuan, then the amount of the third-party liability insurance that the insurance company should pay is: the amount of compensation from the insurance company = 5 (1 5%) = 10,000 yuan.

When the amount of compensation payable by the insured to the third party ** is less than the compensation limit, the amount of the third party liability insurance that the insurance company shall pay is as follows

Insurance company's compensation amount = Liability amount (1 deductible).

For example, when the insured Ma took out third-party liability insurance, he chose the maximum compensation limit of 200,000 yuan, and his insured vehicle caused the third party Hu's right leg to be disabled in the accident. According to the determination of the public security traffic management department, the two parties should bear the same responsibility, and after accounting, a total of 100,000 yuan should be compensated for the loss, then the amount of the third-party liability insurance payable by the insurance company is:

Insurance company's compensation = 10 (1 10%) = 90,000 yuan.

First use the compulsory traffic insurance 2000 to pay more than you use the commercial three insurance. If your limit is 300,000, the maximum is 300,000 plus 2,000

First of all, you can use compulsory traffic insurance to pay compensation, up to about 120,000 yuan, and then the remaining part can be paid with three liability insurance, and the excess part needs to be compensated by yourself. Therefore, it is recommended to insure the three liability insurance at 500,000 yuan. Three liability insurance refers to the insured or its permitted driver in the use of the insured vehicle in the process of an accident, resulting in a third party suffered direct damage to personal or property, according to the law should be the economic liability borne by the insured, the insurance company is responsible for compensation within the liability limit.

The insurance amount of commercial third-party liability insurance is different, generally speaking, it is divided into 7 grades, namely 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan. Because the situation of each car owner and vehicle cannot be the same, each car owner needs to insure the vehicle according to the actual situation. Generally, it is recommended that consumers can buy 500,000-1 million insurance.

Your question is not clearly described, is the accident a loss of personnel or property? Whether the insurance of the three is attached to the deductible insurance, etc., these are related to the compensation, as well as whether the compulsory traffic insurance is insured.

Bi Suiyuan emphasized again that the car insurance is the other party not himself, but also depends on who is responsible for the accident, the other party is the responsible party, then the other party will compensate you, if you are the responsible party, then sorry for the collapse of the hand, the insurance company will not compensate you, whether you buy accident insurance, if you buy a rubber can also be compensated.

This has to be compensated according to the level of disability.

As long as it does not exceed the insurance benefit limit, it will be paid in full. For example, if you lose a total of 100,000 yuan in this accident, you will compensate 50,000 yuan, then the insurance company will compensate 50,000 yuan, in short, it depends on how much money you spend.

How much can I buy 5o million yuan for compulsory traffic insurance and third-party insurance.

Insurance is enough to compensate, so why sue.

In the range of 50,000 to 5 million, car owners can freely choose the amount of insurance coverage for the three! But if you only invest 300,000, it is far from enough to compensate in case of a major accidentWhat is the appropriate amount of third party liability insurance?

1. Third party liability insurance

It means that the insurer shall compensate the third party for personal or property damage caused by an accident of the insured vehicle in accordance with the provisions of the insurance contract.

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.

In addition to third-party liability insurance, there are many types of car insurance, which ones to buy, you can click to understand first

What are the types of car insurance? Do you want to buy them all?

Let's take a look at the must-buy car insurance.

2. Be sure to buy compulsory traffic insurance

Compulsory traffic insurance is a compulsory insurance purchased by the state, which provides the most basic protection for car owners.

Whether you are the owner of the car or the manager of the vehicle, you must take out compulsory traffic insurance according to the regulations. How much is the compulsory traffic insurance and how to compensate, for more relevant knowledge, you can see this information:Everything you want to know is here!

3. Car damage insurance

Vehicle damage insurance can make up for the lack of compulsory traffic insurance that cannot compensate for the loss of your vehicle; Car repair is money, I believe that car owners are willing to pay a certain amount of money for their cars, but if you can let the insurance company pay for themselves, car owners will be more willing, so car damage insurance should also be bought!

4. Deductible insurance is not included

The part of the out-of-pocket payment can be passed on to the insurance company, and the insurance company will bear it, and the car owner does not have to pay the loss out of his own pocket.

In addition to the above-mentioned essential insurance, there are also many types of insurance that can be purchased on demand, such as vehicle personnel liability insurance, spontaneous combustion insurance, scratch insurance and theft insurance, etc., if the budget is sufficient, it is recommended to add other types of insurance as needed, and you can do enough protection.

Third-party liability insurance is responsible for compensating for the personal or property losses of the third party caused by accidents, and the third-party liability insurance is a commercial insurance, and the commercial three-liability insurance is different due to different insurance companies and different channels.

1. Ordinary family cars (less than 6 seats) are insured with a third-party liability insurance amount of 500,000 yuan, and the fixed cost for one year is 1,721 yuan, which is then multiplied by the discount range of the insurance company to calculate.

2. The liability limit of each accident of the third-party liability insurance shall be negotiated and determined by the policyholder and the insurer at the time of signing the insurance contract according to the grades of 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan not exceeding 10 million yuan.

3. The calculation of the premium of the third-party liability insurance has nothing to do with the purchase price of the vehicle, as long as the car owner according to the rate table, he can get a fixed rate, and then multiply it by the discount range of the insurance company, which is the final premium amount. In other words, the premiums paid by BMW and QQ may also be the same.

4. Commercial three liability insurance** varies due to different insurance companies and different channels, and the specific amount depends on the corresponding grade of the maximum compensation limit: the premium also changes from low to high.

Of course, there is commercial third-party liability insurance: 50,000, 100,000, 200,000, 300,000, 500,000, 1 million!

The third liability insurance has 300,000, 500,000, 1 million, and the value of people's lives is very high now, so it is not recommended to buy 300,000 third liability insurance!

Yes. But it is recommended that you buy 500,000 of them.

If the deceased is not an economically developed city household registration, and there are old and young, and you are insured without deductible, theoretically you should not have to pay, according to the proportion of liability, if the total amount of compensation reaches 710,000 yuan, you need to pay yourself, (710,000 yuan - 110,000 yuan of compulsory insurance compensation limit) * 50% = 300,000, 710,000 is the critical point, under this amount you try to help the deceased fight for it, if it is lower than this amount, theoretically you don't have to pay for it yourself, Unless you don't buy it, you don't have a deductible, and if you don't buy it, you need to pay 15% of 50% of more than 110,000 yuan.

But after all, the other party is dead, under normal circumstances, if you go to mediation, the insurance company will definitely deduct a little, in addition to the insurance company, you have to pay a little more, it is best to let the other party go to the litigation route, so that the insurance company responds to the lawsuit, and you will pay tens of thousands of yuan for mediation, and try to obtain the other party's understanding.

Looking at the amount of death compensation that was finally closed, what can be determined is that the 100,000 yuan of compulsory traffic insurance is full, and all the commercial three are not enough, and the maximum compensation is 300,000 yuan.

This needs to first determine how much money you need to match with the other party Because your compulsory insurance plus a third party is a total of 410,000 If the compensation amount is within 410,000: Theoretically, if you do not buy a commercial third party, it should be 110,000 + (compensation amount -11) * (1-10%) If you buy a third party insurance without deductible, you should be fully matched.

The question of payouts is not a multiple-choice question.

The specific compensation can only be known after the application is reviewed.

Theoretically, if you die 800,000, 50% of the liability is exactly 400,000.

If the compensation is 400,000, Ping An Insurance will pay 200,000.

It depends on the identification and judgment of the traffic police and the terms and conditions of the insurance.