The liability insurance of the personnel on the vehicle is exempted, and how to pay the liability in

What are the specific provisions of the deductible odds of car damage insurance, family self-use car loss insurance: the deductible of full liability is 15%, the deductible of primary liability is 10%, the deductible of equal liability is 8%, and the deductible of secondary liability is 5%. Car Damage Insurance:

The odds are 20% for those who are fully liable, 15% for those who are primarily liable, 10% for those who are equally liable, and 5% for those who are secondarily liable.

Third Party Liability Insurance: 20% for full liability, 15% for primary liability, 10% for equal liability, and 5% for secondary liability.

Fire, **, spontaneous combustion loss insurance: 20% free odds.

On-board cargo liability insurance: 20% free odds.

Theft insurance: 20% free odds for the loss of the whole car.

No-fault liability insurance: 20% deductible.

Spontaneous combustion loss insurance: 20% free odds. Liability insurance for people on board, separate glass breakage insurance, vehicle suspension loss insurance, body scratch loss insurance: no free odds.

A "no liability clause" in car insurance

In the event of a road traffic accident involving the insured vehicle, the insurer shall be liable for compensation according to the proportion of the driver's liability for the accident in the traffic accident. Such an obvious clause of "no liability and no compensation" was not generously written in the "exemption from liability", but was dodgedly written in the font size of No. 8 in the "compensation treatment".

Relatives who hit them are not compensated.

The car insurance clause of many insurance companies lists the collision of the direct blood relatives of the driver or the owner of the car within three generations as an exemption clause, that is, this agreement is used to exempt the insurance company from liability for compensation.

The new car price is insured and the old car price is claimed.

The insurance company charges the corresponding insurance premium according to the ** of the new car, but the compensation is based on the ** after the depreciation of the car when the claim is settled.

Compulsory liability insurance floating rate.

For example, the rate of drunk driving will be increased by 30%; If you run a red light once, the rate will be increased by 10%; If you drive a vehicle that does not match the type you are permitted to drive and if you drive during the period when your driver's license is suspended, the rate will be increased by 20%. In the event of more than 5 other road traffic violations, the premium will also be increased by 30%.

The insurance liability of the vehicle personnel liability insurance is only responsible for compensating the vehicle personnel caused by the traffic accident of the insured vehicle**. The accident you mentioned does not fall within the scope of the liability insurance for the occupants of the car and cannot be paid.

Vehicle personnel liability insurance is a kind of vehicle insurance for the insurance company to compensate for the accident caused by the person driving and the car, for all car owners who have purchased the car personnel liability insurance, there are two common situations to keep in mind: the person on the car is not compensated when the person is under the car; Insured seats are not compensated by outsiders.

On-board personnel liability insurance, that is, on-board seat insurance, refers to the passenger part of the on-board personnel liability insurance, which refers to the insured allowed by the qualified driver in the process of using the insured vehicle in the process of insurance accidents, resulting in the personal life of passengers in the car, the insurance company will compensate in accordance with the insurance contract. The rules for auto insurance claims may vary from one insurance company to another, and the specific claim regulations, payment amount and payment ratio shall be subject to the insurance company's regulations.

In the process of using 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 be liable for economic compensation borne by the insured in accordance with the law, and the insurer shall compensate in accordance with the provisions of the "Measures for Handling Road Traffic Accidents" and the insurance contract.

The insurer is not responsible for compensation for the following losses:

1. Personal ** caused by illegal riding;

2. Personal ** caused by the driver's intentional behavior;

3. The person on the bus is caused by illness, childbirth, self-harm, fighting, suicide, or criminal behavior;

4. The passenger's personal injury when he or she gets off the bus;

5. Other losses and expenses that are not within the scope of the insurance liability of the bucket.

The maximum compensation limit for each person on the vehicle shall be determined by the policyholder and the insurer through negotiation at the time of insurance, and the number of seats shall be limited to the approved number of passengers of the insured vehicle.

The personal life of the person on the car shall be calculated according to the compensation scope, items and standards stipulated in the "Measures for the Handling of Road Traffic Accidents" and the provisions of the insurance contract, but the maximum compensation amount per person shall not exceed the compensation limit of each seat of this insurance specified in the insurance policy, and the maximum number of compensation shall be limited to the number of insured seats; Each compensation is subject to free odds, and the free odds and methods are the same as those of third-party liability insurance.

1. Liability insurance for on-board personnel.

The on-board personnel liability insurance is the seat insurance on the car, which 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.

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.

2. Deductible is not included.

Deductible is usually deductible in vehicle insurance, which is an additional insurance to commercial insurance (car damage insurance or triple liability insurance).

As an additional insurance, the insurance liability of the deductible insurance usually refers to the part of the deductible amount that should be borne by the insured within the liability limit calculated according to the deductible calculated according to the deductible stipulated in the main insurance clause of the corresponding insurance after a special agreement.

2. Waiver of odds for on-board personnel liability insurance.

Hello, the odds of the liability exemption of the personnel on the car can be guaranteed: after the insured vehicle suffers a car accident, if the people in the car are unfortunately injured, they can also get compensation from the insurance company to reduce the burden of claims on the owner. For example, if the owner bears the main responsibility for the accident, the insurance company will set the corresponding deductible for the main responsibility of the accident in the calculation of compensation, usually 15%.

When the owner bears half responsibility for the accident, the insurance company will set a 10% free odds, in fact, the definition of the accident liability free odds is different for each insurance company, and the free odds of the natural car personnel liability insurance will also be changed accordingly, such as the main liability exemption odds of PICC property insurance is 10%, the half liability is 8%, the secondary liability is 5%, and the corresponding exemption odds of the car personnel liability insurance have also become the main responsibility of 10%, half liability 8%, and the second responsibility is 5%. Of course, the maximum compensation limit of the liability insurance for people on the vehicle is usually only 10,000 yuan. Have a great day.

Excluding deductible premiums:

The deductible for each type of insurance shall be calculated separately, and then summed up to obtain the total cost of the deductible insurance without deductible.

Different insurance companies have different insurance rates excluding deductibles, but most insurance companies have non-deductible insurance rates for third-party liability insurance, motor vehicle loss insurance, vehicle personnel liability insurance, and body scratch history call insurance, etc., which are 15% of the purchase amount of each type of insurance, and the non-deductible insurance rate for theft insurance is 20% of the purchase amount of this insurance.

Only on the basis of both vehicle damage and third-party liability insurance can be insured without deductible. The insurer shall be responsible for compensating for the deductible amount calculated in accordance with the provisions of the basic insurance within the amount that meets the compensation requirements. In other words, after applying for this insurance, the insurance company will compensate for all losses incurred by the vehicle in terms of vehicle damage insurance and third-party liability insurance.

Its value is reflected in: without this type of insurance, the insurance company must distinguish the liability when compensating for the losses within the scope of car damage insurance and third-party liability insurance: if you are fully liable, 80% will be compensated; 85% of the main responsibility; 90% of the same liability; 95% of the compensation for secondary liability.

The other % of the accident losses will be out of your own pocket.

The insurer shall be responsible for the part of the deductible amount that should be borne by the insured after the occurrence of the insured accident, calculated according to the accident liability deductible of commercial third-party liability insurance, vehicle loss insurance or vehicle personnel liability insurance selected by the policyholder, or calculated according to the absolute deductible of the whole vehicle theft insurance.

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