What does third day liability insurance cover? Third, what is the scope of liability insurance?

Third-party liability insurance refers to the economic responsibility that the insured or its permitted driver shall bear in accordance with the law if an accident occurs during the use of the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation. At the same time, if the insured incurs arbitration or litigation costs with the written consent of the insurance company, the insurance company shall compensate beyond the limit of liability, but the maximum shall not exceed 30% of the limit of liability. In the past, the vast majority of local ** listed third-party liability insurance as a compulsory insurance type, and if you don't buy this insurance, the motor vehicle will not be licensed and can not be inspected annually.

After the introduction of compulsory motor vehicle traffic insurance (hereinafter referred to as compulsory traffic insurance), third-party liability insurance has become non-compulsory insurance.

Something you hit with such as people, cars, and other things.

Third-party liability insurance (hereinafter referred to as "three-party liability insurance") refers to the economic liability that should be borne by the insured in accordance with the law if the insured or its permitted driver has an accident during the use of the insured vehicle, resulting in personal injury or direct property loss to a third party, and the insurance company shall be responsible for compensation.

The coverage of third party liability insurance is as follows:1. medical expenses; 2.nursing fees; 3. Lost time pay; 4.food and beverage expenses; 5.transportation costs; 6.If the disability is reached, there will be a disability fee.

It should be noted that third party liability insurance will not pay compensation in the following four situations:1. hit-and-run; 2.The driver who caused the accident is not responsible; 3.drunk driving; 4.Hit a family member with a car.

Article 8 of the Motor Vehicle Insurance Clause stipulates that the maximum compensation limit for each accident of third-party liability insurance is divided into five levels: 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan and 1 million yuan. The insurance costs are 800 yuan, 1040 yuan, 1250 yuan, 1500 yuan and 1650 yuan respectively, and the policyholder can voluntarily choose to apply for insurance.

This clause stipulates the maximum amount of compensation per accident of third party liability insurance, and the amount is also the basis for the insurer to calculate the insurance premium.

1. What is the scope of the third liability insurance?

1. The third liability insurance covers the occurrence of an accident that causes the third party to suffer direct damage to the person or property. In a traffic accident, the compensation for the loss of people or things touched by the car includes compensation for death, personal injury and property, in short, except for the loss of the people in the car and the main responsible vehicle, all other losses are within the scope of compensation of third-party liability insurance.

2. Legal basis: Article 17 of the Judicial Interpretation of the Supreme People's Court on the Trial of Personal Injury Compensation.

The person obligated to compensate the victim for personal injury, all expenses incurred due to medical treatment** and the loss of income due to lost work, including medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal subsidies, and necessary nutrition expenses.

If the victim is disabled due to injury, the compensation obligor shall also compensate for the necessary expenses incurred by the victim due to the increase in living needs and the loss of income caused by the loss of the ability to work, including disability compensation, disability assistive device expenses, and living expenses for dependents, as well as the necessary expenses, nursing expenses, and follow-up expenses actually incurred due to nursing care and continuation.

Where the victim dies, the compensation obligor shall, in addition to compensating the relevant expenses provided for in the first paragraph of this article on the basis of the circumstances of the rescue, also compensate for the funeral expenses, the living expenses of the dependents, the death compensation expenses, and other reasonable expenses such as transportation expenses, lodging expenses, and lost work expenses incurred by the victim's relatives in handling funeral matters.

2. What is included in the third liability insurance?

1. Motor vehicle third-party liability insurance can be divided into two categories: arbitrary liability insurance and compulsory liability insurance according to whether it is compulsory or not;

2. According to the different scope of protection, it can be divided into third-party personal liability insurance and third-party property liability insurance;

3. Compulsory liability insurance can be divided into relative compulsory insurance and absolute compulsory insurance according to its compulsory effect.

Summary. Hello <>

Third, liability insurance is an insurance established to protect the liability of a third party for personal or property damage caused by vehicle damage during the driving of the vehicle. The scope of specific coverage includes: medical expenses, hospitalization expenses, disability and death compensation for third party personal **, as well as repair costs and compensation for third party property damage.

In addition, according to the specific needs and choices of individuals, insurance companies will generally provide roadside assistance, towing, car rental and other corresponding services.

Third, what is the scope of liability insurance?

Hello <>

The third liability insurance is an insurance established to protect the liability of a third party for personal or property damage caused by damage to the vehicle during the driving of the Xingqing vehicle. The scope of specific coverage includes: medical expenses, hospitalization expenses, disability and death accompanying compensation, as well as repair costs and compensation for third-party property damage.

In addition, according to the specific needs and choices of individuals, insurance companies will generally provide roadside assistance, towing, car rental and other corresponding services.

In China's legal provisions, motor vehicles must purchase third-party liability insurance. The Road Traffic Safety Law of the People's Republic of China stipulates that the owner or manager of a motor vehicle shall be responsible for compulsory motor vehicle traffic insurance, third-party liability insurance and other insurances related to traffic safety.

Therefore, when buying a car, car owners must be suspicious of purchasing compulsory traffic insurance, and according to their own circumstances, they must consider purchasing additional third liability insurance for protection.

It should be noted that the third liability insurance does not protect yourself and your vehicle, and you need to purchase other types of insurance such as car damage insurance and personal accident insurance in the event of a traffic accident. In addition, in order to ensure the safety of yourself and your vehicle, it is recommended to obey traffic rules, drive in a civilized manner, and pay attention to regular vehicle maintenance and repair, so as to avoid traffic accidents caused by the vehicle's own problems. <>

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Legal analysis: third-party liability insurance refers to the economic responsibility that the insured or its permitted driver shall bear by the insured in accordance with the law in the event of an accident in the process of using the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation. At the same time, if the insured incurs arbitration or litigation costs with the written consent of the insurance company, the insurance rental company shall compensate beyond the liability limit, but the maximum shall not exceed 30% of the liability limit.

The vast majority of places ** will be the third party liability insurance as a compulsory insurance type, do not buy this insurance, the motor vehicle will not be on the license plate can not be inspected.

Legal basis: Insurance Law of the People's Republic of China Article 65 The insurer may, in accordance with the provisions of the law or the provisions of the contract, directly compensate the third party for the damage caused to a third party by the insured of the liability insurance.

Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 3 The compulsory insurance of motor vehicle traffic accident liability mentioned in these Regulations refers to the compulsory liability insurance that the insurance company shall compensate within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents of the insured motor vehicle.

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.

At the same time, if the insurance company agrees in writing, the insurance company shall bear the arbitration or litigation costs incurred by the insured. This type of insurance is mainly to ensure that the third-party victims of road traffic accidents receive timely and effective compensation. However, the aftermath of the accident needs to be handled by the insured.

The insurance company will pay you up to 30% of the limit of liability. After introduction, do you have a clear understanding of the question of "how much is the third party liability insurance per year"? It should be reminded that it is different from compulsory liability insurance, you are voluntary in that you purchase it, and the amount you have to pay each year is determined according to your car type and insurance company.

It is recommended that you consider buying a third-party liability insurance after purchasing compulsory traffic insurance, which is relatively high in the event of a traffic accident.

Article 65 of the Insurance Law of the People's Republic of China provides that the insurer may, in accordance with the provisions of the law or the provisions of the contract in a delayed state, directly compensate the third party for the damage caused to a third party by the insured of the liability insurance.

If the insured of the liability insurance causes damage to a third party, and the liability of the insured to the third party is determined, the insurer shall, at the request of the insured, directly compensate the third party for the insurance money. If the insured fails to make a request, the third party has the right to directly claim compensation from the insurer for the part of the compensation to be paid.

If the insured of the liability insurance causes damage to a third party, and the insured fails to compensate the third party, the insurer shall not compensate the insured for the insurance money.

Liability insurance refers to insurance that takes the insured's liability for compensation to a third party as the subject matter of insurance.

Third party liability insurance refers to motor vehicle third party liability insurance.

Motor vehicle third-party liability insurance is referred to as third-party liability insurance, which refers to the economic responsibility that the insured or its permitted driver shall bear in accordance with the law if an accident occurs during the use of the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation.

The vast majority of places ** will be the third party liability insurance as a compulsory insurance regret or cover insurance, do not buy this insurance, the motor vehicle can not be on the license plate can not be inspected.

The third liability insurance is the third-party liability insurance in the commercial insurance, which refers to the personal or property losses suffered by the third person who repents due to an accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract. The third-party liability insurance is compulsory (it becomes non-mandatory after the implementation of the main insurance).

Does liability insurance include deductible insurance? 01 So what is third party liability insurance Third party liability insurance is referred to as three liability insurance.

The third party liability insurance is the third party liability insurance in the commercial insurance, which refers to the personal or property losses suffered by the third party due to an accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract. Third party liability insurance is compulsory (it becomes non-mandatory after the implementation of compulsory socks and bridge insurance). ”

Third-party liability insurance refers to the amount of compensation that the insured shall pay in accordance with the law in accordance with the provisions of the insurance in accordance with the provisions of the insurance in the event of an accident in the process of using the insured vehicle, resulting in direct damage to the person or property of the insured.

Legal basis] Article 10 of the Motor Vehicle Insurance Clause.

If the insured or its permitted driver has an accident during the use of the insured vehicle, resulting in direct damage to the person or property of the third party, the company shall compensate the insured in accordance with the provisions of the insurance contract for the amount of compensation that the insured shall pay according to law. However, the aftermath of the accident shall be handled by the insured.