How third liability insurance is covered during hospitalization

Third-party liability insurance is responsible for the liability of the insured to the third party, and the insurance company will compensate for this part of the liability.

That is, how much money should this person pay to others, as long as this part of the money is within the limit of the third-party liability insurance, the insured does not have to pay for himself, and the insurance company will take the money for him.

So you don't have to ask how to make a claim for third-party liability insurance during hospitalization, as long as you know how much money the person who has third-party liability insurance should pay during hospitalization, and these are all covered by the insurance company (no more than the limit he bought).

Is it car insurance?

If it's car insurance, are you liable or not? If so, what is the proportion of responsibility?

If you are hospitalized, you must have injured someone, whether this person is in the car or outside the car. If it is a person in the car, the three will not be compensated. If it is a person under the car and the injury is caused by the target car, the subject needs to be compensated.

Compensation will be paid with compulsory traffic insurance first, and the insufficient part will be paid by the three responsibilities. Of course, this also needs to refer to the limits of the three. To put it simply, it is whether the hospitalization expenses are not enough to compensate after deducting the compulsory compensation.

If there is, then the owner of the car is responsible.

Your question is a bit vague, if it is a traffic accident, the first thing to know is how the scope of responsibility for the accident is determined.

Hello! For more information, please consult the car insurance department

Hello! Your question is not clear, not good!

1. Medical expenses: mainly the actual expenses incurred in rescuing the victim after the accident. Generally, it is the cost of diagnosis, medicine, hospitalization, etc.

This cost needs to be determined according to the level of local medical expenses. 2. Lost time pay: This is the most common encounter.

If it is a person with a fixed income, the lost time pay is his actual reduced income (the salary statement stamped by the financial seal of the unit needs to be provided); If you are a person with no regular income, but you can prove your income, while providing proof of average income in the last three years, the lost time pay will be calculated according to the actual lost time * average income standard in the last three years; If there is no fixed income and the applicant is unable to provide proof of income, the compensation for lost time shall be calculated according to the average salary of the employee in the local or similar industry in the previous year. 3. Nursing fee: Generally speaking, it is calculated according to the actual income of the caregiver * the number of caregivers * the number of nursing days.

If the income of the nursing staff can be determined, it shall be calculated in accordance with the provisions of the nursing fee; If the income of the caregiver cannot be determined or the caregiver is hired, the calculation shall be calculated with reference to the salary standard of the local caregiver or the same level of caregiver. In principle, there is only one person, and if more than one person is required to take care of it, a clear opinion from a medical institution or appraisal agency is required. The number of days of nursing care refers to the period until the victim regains his or her ability to take care of himself, and if he or she is severely disabled due to holding the code, the period of care may be extended, but not more than 20 years.

4. Transportation expenses: mainly the actual expenses incurred by the victim in transferring to the hospital, accompanying the escort to seek medical treatment or transferring to the hospital**. Daily transportation to and from the hospital is not included.

5. Nutrition fee: This is the amount recommended by the medical institution, not the amount requested by the victim. 6. Funeral expenses:

According to the average monthly wage standard of local employees in the previous year, a one-time payment of half a year as compensation. 7. Living expenses of dependents: It is mainly determined according to the per capita consumption expenditure of the local area in the previous year, combined with the age range, number of people and disability compensation index.

The living expenses of the dependents are calculated according to the degree of the dependent's inability to work, and in accordance with the standards of the per capita consumption expenditure of urban residents and the per capita annual living expenditure of rural residents in the previous year at the location of the court where the lawsuit is filed. If the dependents are minors, they are counted up to the age of 18; If the dependent is unable to work and has no other livelihood**, 20 years shall be calculated. However, if the age group is over 60 years old, the age source shall be reduced by one year for each additional year; Those over the age of 75 are counted as five years.

At the same time, the "dependent" refers to the minor whose victim shall bear the obligation to support the victim in accordance with law.

Third party liability insurance (referred to as three liability insurance), full name: commercial third party liability insurance. It refers to the amount of compensation that should be paid by the insured in accordance with the law due to the direct loss of personal or property suffered by a third party due to an accident that occurs in the process of using the insured vehicle by a qualified driver permitted by the insured, and the insurer will compensate in accordance with the relevant provisions of the insurance contract.

The insurer is the first party, also called the first party; If the insured or the victim is the second party, it is called the second party; In addition to the insurer and the insured, the victim who suffers bodily injury or property damage due to an accident of the insured vehicle is a third party, called a third party.

Scope of Third Liability Insurance:

The scope of "third party" refers to the insured and its property and all persons and property other than the insured vehicle and other persons and property. The so-called "all personnel" refers to the driver, conductor, stevedore, passengers, passengers, etc., who do not belong to the third party, but can be regarded as a third party except for the driver after getting off the bus. Neither the insured nor any member of his or her family is a third party in the case of a private vehicle.

As for the property on the insured vehicle, it refers to the property owned by the insured and its driver or in the custody of him/her, and these property are not subject to the liability of a third party.

Extended Material: Car Insurance Buying Tips

1. Know yourself and your opponent, do "prescribe the right medicine", and choose the type of insurance you need most. If the vehicle is less anti-theft and is often parked in an unattended parking lot, it should be insured against theft.

2. It is necessary to reasonably match the types of insurance and liability limits to achieve adequate protection. For example, for mini cars that commute to and from work, you can choose a commercial three-party insurance with a limit of 100,000 yuan or 150,000 yuan.

3. It is necessary to make good use of special clauses and risk adjustment factors to save premium expenses.

4. Drive cautiously to avoid multiple claims. The insurance terms and rate regulations include "no compensation preferential treatment and the rate adjustment factor of the previous year's claim record", and the premium can be discounted by up to 30% for the previous year or consecutive years.

5. Be careful in choosing sales channels, different sales channels often have different effects. Generally speaking, you will get a discount on premiums when you buy directly at an insurance company's outlets, through an insurance company's **sales center, or through e-commerce**.

The third liability insurance is the third-party liability insurance in the commercial insurance, which refers to the accident of the insured vehicle.

If a third party suffers direct personal or property losses due to an accident, the insurer shall compensate in accordance with the provisions of the insurance contract. Third party liability insurance is compulsory. In some types of insurance, certain third parties are treated as exclusions for losses caused by accidents caused by insured vehicles.

Even if these victims are a third party, even if they are damaged by a traffic accident, even if the insured should bear civil liability for this, the insurance company will not be liable for this part of the insurance compensation. For example, in third-party liability insurance, for private cars and personal contracted vehicles, if the personal or property damage of the insured's family members is caused, or the personal and property damage of no matter who is in the insured vehicle, it is not covered by the insurance.

Third-party liability insurance is the compensation insurance for the loss caused by your car to other people's cars or people or other property, such as car repair, medical treatment after injury, compensation for damage to other people's houses or property, etc., as long as the above situations occur, you can find the insurance company to compensate, of course, the loss is only one or two hundred It is recommended to get it yourself, do not report insurance, so as not to affect the second year to buy insurance discounts.

If you crash into your own garage and damage your property, you will not be compensated, and if you buy car body scratch insurance, you can apply for compensation for those man-made damage scratches.

The third party of automobile insurance, also known as commercial third party liability insurance, is a type of insurance that compensates for the loss of a third party in an accident on the basis of compulsory traffic insurance. The Road Traffic Law stipulates that vehicles on the road must purchase compulsory traffic insurance, and compulsory traffic insurance can only compensate for the losses of the other party after the occurrence of traffic accidents between two parties (or parties) (vehicle accidents on both sides, no one is injured, and the losses of both are below 2000, and the responsibility is not disputed and can be used to compensate each other with compulsory traffic insurance), and compulsory traffic insurance can be said to be "no responsibility for training" and "responsibility must be compensated", that is, there is no responsibility for compensation: property loss 100, medical injury 1000, death and disability 10000, If you are responsible (whether you are primarily or secondarily responsible or equally responsible) 2,000 for property damage, 10,000 for medical injuries, and 100,000 for death and disability.

When a major traffic accident occurs, because of the limitation of the compensation limit of compulsory traffic insurance, it is often not enough to compensate for the loss of a third party, so there is a commercial third-party liability insurance, which is divided into insurance amounts to purchase, including 100,000, 200,000, 500,000, and 1 million, which are used to compensate for the property damage or personal injury of a third party. When a commercial third party pays compensation, it is "compensation according to liability", that is, 70% of the primary liability is paid, 30% is paid for secondary liability, and 50% is paid for the same liability.

What is insured: What exactly does the three insurances cover?

The full name of the three insurances is: motor vehicle third party liability insurance.

Official explanation: During the insurance period, if the insured or its permitted driver has an accident in the process of using the insured motor vehicle, resulting in direct damage to the person or property of the third party, the third party shall be liable for damages in accordance with the law. In short, let's talk about which ones to protect:

Collision with pedestrians, personal belongings, collision with vehicles and damage to other people's vehicles (and injuries to other people's vehicles, damage to items in the vehicle), and collisions with public property (guardrails, etc.) are all covered by the three insurance.

Next, let's break down the official definition to make it easier to digest.

1. Look at the object.

In addition to the owner of the car (insured), spouses, friends, immediate family members, employees, and people who rent a car must drive with the permission of the car owner (insured).

In addition, the person driving the car must have a valid regular, valid driver's license. In addition, the type of driver's license must match the model of the car you are driving. Look at the object - who is the "third party"?

The insurance company is the first, and the insured vehicle (i.e. our own car) is the second.

A person who suffers personal or property damage due to an accident in our own car is a third party.

Note! The following are not "third parties":

All persons (whether drivers or passengers) and property in our own vehicles, including those who disembark abnormally while the vehicle is in motion or when the vehicle is not stationed.

So please listen to the question, does the following belong to the "third party" stipulated in the "three insurance"?

a girlfriend sitting in the co-pilot and a dog sitting in the back seat;

Answer: No!

Okay, so if the above conditions are met, how should I pay for it?

2. What is the compensation: how to calculate the compensation amount of the three insurance?

Is it true that if the above conditions are met, the insurance company will be able to pay us a full compensation?

No, no, no, it's not that simple.

In the following three cases, the insurance company chooses not to pay.

1. The part exceeding the insured amount - self-expense.

After purchasing, you will be required to compensate a third party for losses in the event of an accident. The insurance company will pay you according to the amount you buy.

If you want to lose more money than you bought, then the excess can only be paid for by yourself

2. Absolute free odds.

In order to reduce the premium when buying car insurance, some car owners may attach a special clause with absolute free odds, so when paying compensation, you also need to consider the issue of absolute free odds!