The purpose of compulsory liability insurance and what is the function of compulsory liability insur

1. What is compulsory traffic insurance?

Compulsory motor vehicle traffic accident liability insurance (hereinafter referred to as "compulsory traffic insurance") is the first compulsory insurance system implemented by national laws and regulations in China. The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability (hereinafter referred to as the "Regulations") stipulate that compulsory traffic insurance is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

The total liability limit of 60,000 yuan implemented by compulsory traffic insurance is based on comprehensive consideration of compensation coverage and consumer ability to pay. If the liability limit of compulsory traffic insurance is too low, it will not play a protective role, and if the liability limit is too high, it will lead to a large rate of **, which will be difficult for consumers to bear. According to the data analysis, the compensation for most traffic accidents can be solved under the total liability limit of 60,000 yuan.

The purpose of compulsory traffic insurance is to provide basic protection for traffic accident victims. There are various ways for traffic accident victims to obtain compensation, and compulsory traffic insurance is only one of the most basic channels. The total liability limit of 60,000 yuan is implemented for compulsory traffic insurance, which does not mean that traffic accident victims can only receive a maximum of 60,000 yuan in compensation from all channels.

In addition to compulsory traffic insurance, victims can also receive compensation through other means, such as commercial liability insurance, personal accident insurance, health insurance, etc. In addition, the victim of a traffic accident can also demand higher compensation from the victim through legal means according to the degree of damage.

After purchasing compulsory traffic insurance, the owner or manager of a motor vehicle can also purchase commercial three liability insurance as a supplement on the basis of compulsory traffic insurance according to its own payment ability and protection needs.

At present, the implementation of a total liability limit of 60,000 yuan is more in line with the current level of national economic development, the ability of consumers to pay, and the operating ability of insurance companies. The level of liability limit of compulsory traffic insurance will gradually increase with the development of the national economy. This is also a common practice in the international community.

After the implementation of the compulsory liability insurance system for a period of time, the China Insurance Regulatory Commission will adjust the liability limit in a timely manner in accordance with the provisions of the Regulations, the level of national economic development and the specific situation of the implementation of the system.

Pedestrians are fully responsible. Even if the driver loses all his compulsory traffic insurance, he does not have to pay extra money to increase the additional burden, and there is no financial and big pressure, because he has not made a mistake or committed a crime.

The traffic police favor him or he is not satisfied and will file a lawsuit to settle it.

The purpose of compulsory traffic insurance is mainly to protect pedestrians from rent fraud. Regardless of whether the insured is responsible for the accident or not, the insurance company will pay according to the insurance regulations, which is actually a mandatory protection for the protection of pedestrians and non-motorized vehicles.

The personal safety of the traffic as well as the safety of the property. If there is a scratch between the motor vehicle and the non-motor vehicle at that time, the compulsory traffic insurance will pay the claim according to the liability limit to ensure the victim.

Compensation can be obtained.

Extended information: 1. Compulsory traffic insurance is equivalent to third-party compensation, that is to say, when the vehicle is driving on the tenant's road and an accident occurs, resulting in the death of the victim's vehicle or person, the compulsory traffic insurance will compensate the corresponding amount. The third party in daily life is the amount of claims increased on the basis of compulsory traffic insurance.

2. Although the claim amount of compulsory traffic insurance is not as high as that of the real third-party insurance, it is also a kind of protection.

Especially when it comes to major traffic accidents, the victim may be seriously injured or killed, and the driver will face a huge amount of financial compensation, which may be a large expense for ordinary families, and may be astronomical for families who are relatively less financially well-off. Therefore, at this time, it is necessary to have compulsory traffic insurance, as long as there is compulsory traffic insurance, a certain amount of compensation can be made for the victim.

3. Although the amount of compensation may not be as much as that of a real third party, it is also a kind of protection and can reduce the pressure of compensation on the driver. Therefore, in order to avoid this situation, China's road traffic safety law clearly stipulates that all motor vehicles must purchase compulsory traffic insurance, and it is not enough to buy compulsory traffic insurance on the road. Therefore, as long as there is a motor vehicle, it is necessary to purchase compulsory traffic insurance, which bears more of the most basic protection, whether it is for the victim or the driver, it is a kind of economic security.

4. When to use compulsory traffic insurance.

Any loss caused to a third party (except for the car and the people on the car), regardless of whether it is liable or not, is within the scope of compulsory traffic insurance.

When there is responsibility, the maximum compensation for the property loss of the three parties is 2,000 yuan, the maximum compensation for the medical expenses of the three parties is 10,000 yuan, and the maximum compensation for the death and disability of the three parties is 110,000 yuan.

When there is no liability, the maximum compensation for the property loss of the three parties is 100 yuan, the maximum compensation for the medical expenses of the three parties is 1,000 yuan, and the maximum compensation for the death and disability of the three parties is 11,000 yuan.

5. Medical expenses include: medical expenses, diagnosis and treatment fees, hospitalization expenses, inpatient meal subsidies, necessary and reasonable follow-up expenses, plastic surgery fees, and nutrition expenses.

Death and disability expenses include: funeral expenses.

Death compensation, transportation expenses for funeral matters, disability compensation, disability assistive device expenses, nursing expenses.

** Expenses, transportation expenses, living expenses for dependents, accommodation expenses, lost work expenses.

Solatium for moral damages resulting from a judgment or mediation.

6. Insurance liability: The liability for damages that the insured shall bear by the insured in accordance with the law if the insured suffers personal or property losses due to a traffic accident during the use of the insured motor vehicle.

1. Part of the money of compulsory traffic insurance is used as compensation expenses, part of it is used as operating costs of insurance companies, and part of it is withdrawn as rescue.

2. The amount of insurance is relatively low, the amount of insurance is 10,000, and now death compensation often requires hundreds of thousands, so it is not enough to simply buy compulsory insurance, and the vast majority of car owners buy commercial insurance in addition to buying compulsory insurance.

3. After the accident, the first is the compulsory traffic insurance, and the unfinished compensation is paid by the commercial insurance, not by the commercial insurance.

4. Compulsory traffic insurance is required by China's law to insure motor vehicles, in order to ensure the basic rescue needs of others and maintain social stability.

Legal basis: 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 loss caused by the road traffic accident is intentionally caused by the victim of the accident, the insurance company will not compensate for it.

The main function of compulsory traffic insurance is that when there is a traffic accident in the bridge, if you are responsible, the insurance company can pay up to 180,000 yuan for death and disability, up to 10,000 yuan for medical treatment, and up to 2,000 yuan for property. When you are not responsible, you can pay up to 10,000 yuan for death and disability, 1,800 yuan for medical treatment, and 100 yuan for property. Compared with the third liability insurance, the role of compulsory traffic insurance is more to protect people, and it is not to protect property.

When there is a traffic accident of scraping or rear-end collision, there will be few people**, and under normal circumstances, the property compensation of about 2,000 yuan is enough. However, now the 4S shop is using the transitional maintenance of Fang Pei pure type, if you rely solely on the compulsory traffic insurance is not enough, do not want to let yourself out of pocket, it is recommended to buy the third liability insurance.

Compulsory traffic insurance is the first compulsory insurance in our country that is protected by national laws, mainly by the insurance company for the insured motor vehicle traffic accidents, resulting in the victim's personal and property losses, in the limit of liability, to give compensation to a kind of compulsory liability insurance.

The role of compulsory traffic insurance: If a motor vehicle that has purchased compulsory traffic insurance causes a road traffic accident resulting in personal death or injury and economic losses, the insurance company shall pay compensation within the scope of the obligation of compulsory traffic insurance. The scope of compulsory traffic insurance basically covers all road traffic risks, and there are no deductibles and deductibles.

The rescue expenses in the compulsory traffic insurance contract refer to the medical expenses incurred by the medical institution for the victims whose vital signs are unstable and although the vital signs are stable, but if the treatment measures are not taken, the life will be in danger, or the victim will be disabled, organ dysfunction, or significantly prolonged the course of the disease, with reference to the guidelines for clinical diagnosis and treatment of traffic accident personnel and the national basic medical insurance standards formulated by the competent health department.

If the insured motor vehicle is involved in a traffic accident and the victim is injured and needs to be rescued, the insurer shall verify it in accordance with the guidelines for clinical diagnosis and treatment of traffic accident personnel and the national basic medical insurance standards formulated by the competent health department after receiving the written notice from the traffic management department of the public security organ and the list of rescue expenses issued by the medical institution. For the rescue expenses that meet the requirements, the insurer shall pay in advance within the medical expense compensation limit. If the insured is not liable in the traffic accident, the insurer shall pay in advance within the compensation limit for medical expenses without liability.

The insurer is not responsible for the advance payment and compensation for other losses and expenses.

In insurance practice, the insurance company generally issues the insurance policy only after the policyholder pays the premium, but under special circumstances, the insurance company is also willing to issue the insurance policy in advance, allowing the policyholder to pay the insurance premium within a period of time afterwards. After the occurrence of the insured accident, the insurer shall determine the amount of compensation in accordance with the liability limit of the compulsory traffic insurance in accordance with the scope, items and standards stipulated by the relevant national laws and regulations and the agreement of the compulsory traffic insurance contract, and in accordance with the guidelines for the clinical diagnosis and treatment of traffic accident trauma and the national basic medical insurance standards formulated by the competent health department.

The function of compulsory traffic insurance is mainly to protect the insured vehicle after the insured accident and property damage. To a certain extent, compulsory traffic insurance can reduce the economic pressure on the car owner to compensate after the occurrence of an insured accident, and can also allow the victim who has suffered losses to quickly obtain financial compensation. Compulsory traffic insurance is a type of car insurance that is mandatory to pay, and cars are not allowed to drive on the road without buying compulsory traffic insurance.

1. To the greatest extent to give the most basic guarantee to the victims of traffic accidents: the original intention of compulsory traffic insurance is to protect the interests of vulnerable groups in the society where traffic accidents occur, and to provide the most basic protection in a timely manner to the greatest extent;

2. Undertake the function of social management: formulate an effective compulsory insurance system for motor vehicle traffic accident liability, which can help traffic accident victims in a timely and effective manner on the one hand, and reduce the economic burden of the traffic accident perpetrator on the other hand;

3. Mandatory insurance company underwriting: Compulsory traffic insurance is more mandatory than other insurance. This compulsion is mainly reflected in two aspects, on the one hand, the compulsory is reflected in the insurance, and on the other hand, the mandatory is reflected in the compulsory underwriting.

The function of compulsory traffic insurance is to pay compensation within the scope of the compulsory traffic insurance obligation for the motor vehicle that has purchased compulsory traffic insurance, resulting in personal death, injury or economic loss caused by a road traffic accident. The scope of compulsory traffic insurance basically covers all road traffic risks, and there are no deductibles and deductibles. The third-party liability insurance plan of the company has relative odds-free, quota-free restrictions, and liability exemptions. The above is the relevant content of the role of compulsory traffic insurance.

Traffic insurance is a compulsory insurance that must be purchased for automobiles, and the insurance company compensates the victims (excluding the insured car and the insured) in the traffic accident caused by the insured car for personal death and injury, and economic losses within the amount of rights and responsibilities. If you do not purchase this insurance, Che Zhixiang will not be able to file with the vehicle management office, nor will it be able to pass the annual inspection of the vehicle; If you drive on the road without permission in violation of the regulations, the traffic management unit will detain the vehicle and notify the owner or administrator of the motor vehicle to purchase insurance in accordance with the regulations, and the owner will face a fine of twice as much. Establish rules and regulations for compulsory traffic insurance, which is conducive to road traffic accident victims to obtain timely financial compensation and medical treatment; It is conducive to reducing the financial burden of the perpetrators of road traffic accidents and reducing the number of economic compensation disputes; Through the implementation of incentive and restraint mechanism, it is conducive to promoting drivers to improve road traffic safety awareness; It is conducive to making full use of the security function of insurance and maintaining social stability.