New Motor Vehicle Insurance Act Provisions, Motor Vehicle Insurance Provisions

Auto insurance is generally divided into compulsory traffic insurance and commercial insurance, of which commercial insurance includes basic insurance and additional insurance.

The basic insurance also includes vehicle loss insurance, third-party liability insurance, full vehicle theft insurance and vehicle personnel liability insurance; Riders include glass breakage insurance, spontaneous combustion insurance, wading insurance and deductible.

1. Compulsory traffic insurance must be paid, one of the necessary prerequisites for the road, the premium is 950 yuan for individuals and 1,000 yuan for public accounts, so there is no need to think about it.

Second, the vehicle and vessel tax must be paid, and the second necessary premise for getting on the road is that the premium is related to the displacement and the date of buying the car.

How much should be paid is the displacement of the final say, for example, the displacement is 350 yuan.

The amount of money is the amount from the month of the day to the end of the year, and is collected on a monthly basis. Also according to the displacement of 350 for the whole year, January is 350, February is 9 months of money, December is a month of money. February 1st is, February 28th is, March 1st is, because it's the next month.

Note: After the business tax was changed to value-added tax in 2016, the vehicle and vessel tax will not be reflected on the invoice. You can see it in the remarks in the lower right corner of the invoice.

3. Commercial insurance: Some people really ask how to get insurance, but in fact, they ask how to get commercial insurance.

Let's talk about what insurance company to choose first. The top four insurance companies that can be found in China, PICC, Ping An, Pacific, China Life (Life), and other insurance companies are all in a certain place or region, which may exceed these four majors, and the ranking should be the national market share. People often say that this insurance company is fast, and that insurance company doesn't care, which insurance company often finds excuses not to pay.

Because the actual situation of insurance is strange, any person's understanding of insurance is what it should be like in their hearts.

What is it? If you really dare to sit down and look at the insurance company's claim terms, and ask all the questions clearly, these problems can be solved more than 90%, and all insurance companies are similar. The money is not from the adjuster or the claims adjuster, and it doesn't make sense for them to card those [u3].

Therefore, since I asked how to get new car insurance, I often buy my first car. So, if you want to be safe in your heart, you can choose these four people. The company is large, the process is fixed, and the coverage area is large.

Precautions for commercial insurance: the car is your own, you must know your own situation, commercial insurance is not mandatory, you can choose, there is not much point in asking others.

General Terms - Motor Vehicle Insurance Terms (latest version).

Legal analysis: The victim in the compulsory traffic insurance contract refers to the person who suffers personal or property damage due to the traffic accident of the insured motor vehicle, but does not include the persons on the insured motor vehicle and the insured. The liability limit in the compulsory traffic insurance contract refers to the maximum amount of compensation borne by the insurer for the personal and property losses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle.

The liability limit is divided into the death and disability compensation limit, the medical expense compensation limit, the financial companion loss compensation limit, and the insured is not liable in the road traffic accident. Among them, the compensation limit of no liability is divided into the compensation limit for death and disability without liability, the compensation limit for medical expenses without liability and the compensation limit for property loss without liability.

Legal basis: "Compulsory Insurance Clause for Motor Vehicle Traffic Accident Liability".

Article 4 The insured in the compulsory traffic insurance contract refers to the insured and the legal driver allowed by it. The policyholder refers to the owner or manager of the motor vehicle who has entered into a compulsory traffic insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

Article 5 The victim in the compulsory traffic insurance contract refers to the person who suffers personal or property damage due to a traffic accident of the insured motor vehicle, but does not include the persons on board the insured motor vehicle and the insured.

1 The premium is calculated according to the actual value of the vehicle, and the premium for different cars with the same price is different.

Before the fee reform, the insurance cost was determined according to the purchase price of the new car when the car owner purchased insurance. After the fee reform, the vehicle is insured with the actual value of the premium to purchase the car damage insurance, and in the event of a total loss, the vehicle can be compensated for the actual loss. Before the comparison fee reform, consumers will also have to pay less.

After the fee reform, if the same ** vehicle is insured, then the model is different, and the premium paid is also different. Authoritative evaluation of vehicles with higher safety factors and easy repair (cheaper parts) will have lower insurance costs.

2 The new regulations expand the scope of insurance liability.

The family members of the insured or the driver can be compensated under the three liability insurance, compared with the past situation where the insurance did not pay for the collision with their own family, after the fee reform, the scope of their insurance liability has become wider. In addition, vehicle losses caused by natural disasters such as typhoons, tropical storms, blizzards, ice, sandstorms, and hail have also been added to the insurance liability of vehicle damage insurance, and a number of liability exclusion provisions have also been deleted for each type of insurance.

3 The less the accident and the better the driving habits, the lower the premium.

After the fee reform, the insurance company will not only depend on the car owner's accident rate in the previous year, but also refer to the car owner's driving habits and driving risks. Simply calculated, there was no insurance in the previous year, and the car insurance rate can enjoy a minimum of 6% off the benchmark rate, if there is no insurance for two consecutive years, the minimum premium can be discounted by 5%, and if there is no insurance for 3 consecutive years (or more), the minimum premium can be discounted to about 4%.

4 Increase the right of subrogation.

To put it simply, when I encounter an insurance accident for which the other party is fully responsible, if the other party is insufficient or unable to compensate, the injured party can ask his insurance company to pay first, and then the insurance company is responsible for recovering from the other party.

1. What are the surrender conditions of car insurance?

1. The insured motor vehicle has been deregistered in accordance with the law;

2. The insured motor vehicle is suspended;

3. The insured motor vehicle is confirmed to be lost by the public security organ;

4. The policyholder repeatedly insures compulsory traffic insurance;

5. The insured motor vehicle is resold, transferred, or donated to a place other than the place where the vehicle registration is located (the location of the vehicle registration of Duanyuan is divided according to the administrative division of the prefecture and city);

6. The new car is withdrawn by the seller due to quality problems or the traffic management department does not accept the relevant technical parameters due to non-compliance with national regulations.

Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it. Article 21 of the Judicial Interpretation of the Supreme People's Court on State Compensation (11-20) If a traffic accident involving multiple motor vehicles causes damage to a third party, and the loss exceeds the sum of the liability limits of each motor vehicle compulsory traffic insurance, each insurance company shall be liable for compensation within the limits of its own liability; Where the losses do not exceed the sum of the liability limits of the compulsory motor vehicle insurance, and the parties request that the insurance companies bear the liability for compensation in accordance with the proportion of the sum of their liability limits and liability limits, the people's court shall support it.

Where a traffic accident occurs when a tractor and a trailer are connected and used separately in accordance with the law, causing damage to a third party, and the parties request that each insurance company compensate them equally within their respective liability limits, the people's court shall support it. Where a traffic accident involving multiple motor vehicles causes damage to a third party, and some of the motor vehicles are not insured with compulsory traffic insurance, and the parties request that the insurance company that has underwritten the compulsory traffic insurance first compensate them within the limits of liability, the people's court shall support it. Where an insurance company exercises its right of recourse against an insurance obligor or tortfeasor who has not taken out compulsory traffic insurance for the part that it should bear in excess of its responsibilities, the people's court shall support it.

Legal Analysis: Compulsory Traffic Insurance: (1) Adjustment in the case of liability and non-liability (2) Different provinces have different preferential coefficients for no compensation Commercial auto insurance:

1) The third responsibility: the maximum amount of 5 million is upgraded to a maximum of 10 million. (2) Car damage insurance:

Pay for your car. Legal basis: Article 6 of the Detailed Rules for the Implementation of the Regulations on Compulsory Traffic Insurance Article 6 The liability limit refers to the maximum amount of compensation that the insurer bears for all victims of each accident in the event of an accident of the insured motor vehicle.