Liability insurance for on board personnel PICC, PICC car insurance for on board personnel liability

The on-board personnel liability insurance, that is, the seat insurance on the car, is the passenger part of the on-board personnel liability insurance, which refers to the insured allowed by the qualified driver to have an insured accident in the process of using the insured vehicle, resulting in the personal life of the passengers in the car, and the insurance company will compensate in accordance with the insurance contract.

PICC Auto Insurance is a PICC Chinese Property Insurance Shares****.

Launched an insurance product.

Vehicle insurance. Only compulsory traffic insurance is legally mandatory.

Commercial insurance mainly includes: vehicle loss insurance; Third Party Liability Insurance.

Liability insurance for people on board; theft insurance; Glass breakage insurance; Regardless of deductibles, special insurance and other types of insurance, you are free to choose to insure according to your own needs.

Generally speaking, on-board occupant liability insurance is still very important, most people will take out insurance, and most insurance companies will also recommend that you take out insurance.

If you are already insured, you can check your insurance card, the type of insurance ** is d (d1, d2), or you can enter PICC property insurance.

Self-service inquiry, or call ****95518 inquiry.

Get a quick overview of on-board occupant liability insurance.

In order to improve your car protection, you need to take out car insurance for your car in time, and PICC's car insurance is a good choice. What are the common types of car insurance in PICC?

1. Compulsory traffic insurance. The full name of compulsory insurance for motor vehicle traffic accident liability is the first compulsory insurance system implemented by national laws and regulations in China. It is mainly to provide timely and basic protection for the loss of people and property caused by road traffic accidents.

Compulsory traffic insurance is mandatory, as long as the owner or manager of a motor vehicle driving on the road in China should take out compulsory traffic insurance.

2. Third-party liability insurance. If an accident occurs during the use of the vehicle, resulting in personal and property losses to a third party, the insurance company shall compensate in accordance with the provisions of the contract for the part exceeding the compensation limit of the compulsory traffic insurance. If you unfortunately crash into a luxury car or drive a car and cause serious injury, the compensation may be as high as hundreds of thousands, and the compulsory traffic insurance will pay up to 10,000 yuan, which is obviously a drop in the bucket.

However, if you have insured the three insurances, the part of the insufficient compensation of the compulsory traffic insurance can be compensated by the insurance company. It is recommended to purchase at least 20-500,000 insurance with an insurance amount.

3. Liability insurance for people on board. Driver liability insurance: In the event of an accident in the vehicle, the insurance company will compensate the loss of expenses caused by the driver's ** according to the contract. Especially for novices or frequent drivers, the probability of accident is high, it is recommended to buy to better protect your own safety.

4. Theft and rescue. After taking out the whole car theft insurance, the insurance company will pay for the reasonable expenses of the whole car being stolen, robbed or snatched, resulting in loss or damage that needs to be repaired. If your vehicle doesn't have a fixed parking lot, or if it's a theft-prone vehicle, you may want to consider purchasing a full theft insurance facility.

The above is the common car insurance types of PICC, it is recommended that car owners combine their actual insurance needs to make a comprehensive comparison and selection before applying for insurance, which is an insurance platform that provides professional car insurance, and the majority of car owners are welcome to come to buy. PICC Auto Insurance Insurance Advantages: * 15% Save Commercial Insurance Premiums * Nationwide Unlimited Free Rescue Claims Features:

1 hour notice of payment; Free rescue of broken down vehicles * remote insurance, on-site claims; Accident car hosting.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Answer: The on-board personnel liability insurance is responsible for compensating the personnel of the vehicle caused by the traffic accident of the insured vehicle**. Insurance liability: In the event of an accident in the insured vehicle (not intentionally by the actor, but an unforeseeable and irresistible emergency caused by the actor, causing loss of personnel ** or property), the loss of expenses caused by the driver or passengers in your car**, as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss, shall be liable for compensation. The insurance amount of on-board liability insurance is determined by the insured and the insurance company through negotiation, and the insurance amount for each seat is generally determined by 1-50,000 yuan.

The number of insured drivers and passengers generally does not exceed the approved number of seats in the operating capital of the insured vehicle.

Summary. 2 .When the insured vehicle has an insured accident, the insurance company can usually bear the losses caused by the driver and passengers on the car, reasonable and necessary rescue costs, protection costs, etc.

Under normal circumstances, the passenger is insured with 10,000 yuan, and the driver is insured with 30,000 or 50,000 yuan.

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1 .Seat insurance is the liability insurance of the personnel on the car, which refers to the qualified driver allowed by the insured, during the driving of the vehicle known as the key to the insured accident, resulting in the passengers on the car are not at all, the insurance company in accordance with the contract to pay the insurance money. The function of seat insurance is to provide protection for the occupants of the car due to traffic accidents**.

2 .When the insured vehicle has an insured accident, the insurance company can usually bear the losses caused by the car boss and the passengers, reasonable and necessary rescue costs, protection costs, etc. Under normal circumstances, the passenger is insured with 10,000 yuan, and the driver is insured with a tour amount of 30,000 or 50,000 yuan.

3 .Seat insurance has nothing to do with the car, but is related to the liability limit and rate of insurance, if the insurance amount is higher, then the more expensive, the general driver digging Qi shouting seat per 10,000 yuan insurance is about 35 yuan, other seats are about 20 yuan per 10,000 yuan insurance amount is about 20 yuan. The specific rules are subject to the insurance company's.

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Liability insurance for on-board personnel and accident insurance for on-board personnel are two different types of insurance. The most direct difference is that the insurance premiums are different, and from the perspective of the insurance names of the two, the concept is not the same. The main differences between the two are as follows:

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

According to the location of the household registration, compensation according to the urban or rural standards, if the injury is not very severe. If the cost of the injured person is higher, the coverage for the other car's three and the seat coverage for your father's car.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance.

Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

At the moment of the accident, the personal protection of passengers on or inside the vehicle, including those who are getting on and off the bus.

Legal analysis: During the insurance period, if the insured or its permitted driver causes direct losses to the insured motor vehicle due to the following reasons in the process of using the insured motor vehicle, and it does not fall within the scope of exemption from the insurer's liability, the insurer shall be responsible for compensation in accordance with the provisions of the insurance contract

a) collision, overturning, falling;

ii) Fire, **;

3) Falling of external objects, collapse of friends;

4) Lightning strikes, storms, torrential rains, floods, tornadoes, hailstorms, typhoons, tropical storms;

5) Subsidence, cliff avalanches, landslides, debris flows, avalanches, ice subsidences, blizzards, ice cubes, sandstorms;

6) Accidental impact by the goods and persons on board the insured motor vehicle;

vii) Natural disasters on the ferry carrying the insured motor vehicle (only if the driver is accompanying the vessel).

Legal basis: Provisions on Procedures for Handling Road Traffic Accidents Article 60 The traffic management department of the public security organ shall determine the responsibility of the parties according to the role played by the party's behavior in the occurrence of the road traffic accident and the severity of the fault.

1) Where a road traffic accident is caused by the fault of one of the parties, full responsibility shall be borne by the party;

2) Where a road traffic accident occurs due to the fault of two or more parties, they shall bear primary responsibility, equal responsibility and secondary responsibility respectively according to the effect of their actions on the accident and the severity of the fault;

3) None of the parties is at fault for causing the road traffic accident, and if it is a traffic accident, none of the parties is liable.

If one party intentionally causes a road traffic accident, the other party is not liable.