What is the on board personnel liability insurance and what is the on board personnel liability insu

The liability insurance of the occupants of the vehicle is the main insurance of the vehicle commercial insurance, and its main function is to compensate the personnel in the vehicle due to traffic accidents.

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.

In the course of the use of the motor vehicle insured by this insurance, if an accident occurs and the person on board the insured vehicle suffers personal injury, the insurer shall compensate the insured in accordance with the provisions of the insurance contract.

In the event of an accident in the insured vehicle (not intentionally by the actor, but an unforeseeable and irresistible emergency event that causes damage to personnel or property), the cost loss caused by the driver or passenger on the vehicle, 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.

To sum up, the liability insurance of the vehicle personnel is the main insurance of the vehicle commercial insurance, and its main function is to compensate the vehicle for the first insurance of the people in the vehicle caused by traffic accidents. For car owners who pay more attention to safety, it is still necessary to purchase on-board personnel liability insurance. If your questions are still not answered, Hualu.com also provides lawyer** consulting services, and you are welcome to provide legal advice.

1. What is on-board personnel liability insurance?

1. The liability insurance of the personnel on the bus is the seat insurance on the bus. The insurance company will compensate the insured in accordance with the insurance contract if the qualified driver allowed by the insured has an insured accident during the use of the insured vehicle, resulting in the personal life of the passengers in the car.

2. Legal basis: Article 1213 of the Civil Code of the People's Republic of China.

If the damage caused by a traffic accident of a motor vehicle is the responsibility of one of the parties to the motor vehicle, the insurer underwriting the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.

Article 90 of the Regulations for the Implementation of the Road Traffic Safety Law of the People's Republic of China.

In the event of a traffic accident involving a motor vehicle insured by compulsory third-party liability insurance, and the insurance company needs to pay for the rescue of the injured person, the traffic management department of the public security organ shall notify the insurance company.

If it is necessary to pay for road traffic accident assistance in advance to rescue the injured person, the traffic management department of the public security organ shall notify the road traffic accident social assistance management agency.

2. What is the compensation standard for the liability insurance of the occupants of the vehicle?

1. If the insured vehicle bears all the responsibility for the accident, the proportion of accident liability shall not exceed 100%;

2. If the insured vehicle bears the main responsibility for the accident, the accident liability ratio is 70%;

3. If the insured vehicle bears the same accident liability, the accident liability ratio is 50%;

4. If the insured vehicle bears secondary accident liability, the accident liability ratio is 30%.

Legal analysis: Zhennai stool car personnel liability insurance, also known as car seat insurance, car liability insurance, refers to the insured allowed by the qualified driver in the use of the insured vehicle in the process of traffic accidents within the scope of insurance, resulting in the car passengers **, according to the law should be borne by the insured liability for compensation, the insurance company according to the insurance contract to compensate.

Legal basis: "Insurance Law of the People's Republic of China" Article 2 of the term "insurance" refers to the policyholder in accordance with the contract, to pay insurance premiums to the insurer, the insurer for the contract may occur due to the occurrence of property damage caused by the occurrence of the insurance liability for the insurance money, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract and other conditions of commercial insurance.

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.

On-board personnel liability insurance: 1. The on-board seat insurance 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; 2. The insurance company shall be liable for compensation for the loss of expenses caused by the driver or passengers in your car in an accident (not intentionally by the actor, but by the actor who is unforeseeable and irresistible, causing loss of personnel or property); 3. How to determine the amount of insurance 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 drivers and passengers who have been insured is generally not more than the number of approved seats in the original vehicle of the insured vehicle;

Meaning of automobile liability insurance: 1. Driver's liability insurance, also known as Cheqinghan liability insurance, includes the driver's seat and the passenger's seat, which mainly refers to the compensation of the insurance company for the personal safety of the personnel and passengers in the driver's seat in the event of an accident; 2. Strictly speaking, the driver's liability insurance is not an independent type of insurance, but a part of the liability insurance for the personnel on the car in the commercial auto insurance, in addition, the owner can also insure the passenger seat, and the general compensation limit is 1-50,000 yuan; 3. During the use of the motor vehicle insured by this insurance, an accident occurs, resulting in direct damage to the goods contained in the insured vehicle and the personal life of the personnel on the vehicle; 4. The insurer shall calculate the compensation within the insurance compensation limit specified in the insurance policy for the economic compensation liability that shall be borne by the insured in accordance with the law, as well as the necessary and reasonable rescue and protection expenses paid by the insured to reduce the loss.

The liability insurance for the passengers on the car, that is, the seat insurance on the car, is the passenger part of the liability insurance for the personnel on the car, which refers to the insured who allows the qualified driver to have an insured accident in the process of using the insured car to disturb the car, resulting in the personal injury and death of the passengers in the car, and the insurance company will compensate the insured in accordance with the insurance contract.

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Legal analysis: on-board personnel liability insurance, also known as on-board seat insurance and on-board liability insurance, refers to the traffic accidents that occur within the scope of insurance during the use of the insured vehicle by qualified drivers allowed by the insured, resulting in the personal liability of the passengers in the car, which shall be borne by the insured according to the law, and the insurance company shall compensate according to the insurance contract.

Legal basis: Insurance Law of the People's Republic of China Article 2 The term "insurance" refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or bears the responsibility for paying the insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.