Is it necessary to insure the occupants of the car?

For those who own a car, most of the people in the car are their relatives and friends, and you often take your family out of the house, in order to improve the protection of the people on the car, it is necessary to purchase a highly targeted liability insurance in advance. How to apply for on-board occupant liability insurance.

1.With the agreement of both parties, after the insured pays the additional insurance premium, the insurance company shall be liable for compensation in accordance with the relevant provisions of the automobile third party liability insurance and the following provisions in accordance with the relevant provisions of the automobile third party liability insurance of this insurance policy in the event of an accident caused by the accident, resulting in the death, disability or bodily injury of the insured due to the ownership, use or management of the insured car.

2.The term "passenger" as used in the preceding paragraph includes the driver and the person who rides in or gets on or off the insured car.

3.The number of insured persons under this insurance is based on the number of persons stated in the driving license.

4.The insurance company shall not be liable for the death, disability or bodily injury of the driver caused by the influence of alcohol.

5.According to the regulations of the Ministry of Finance, from July 1, 90, the amount of death and disability claimed by this insurance shall be paid at 3 times the sum insured, and the amount of bodily injury shall be paid at the time of the sum insured.

6.The insured amount of 10,000 to 100,000 is freely selected by the policyholder according to his needs, and the insurance liability is subject to accidental death, disability, and medical expenses up to the maximum limit of the insured amount. The maximum compensation limit per passenger in the car shall be determined by the policyholder and the insurer through negotiation at the time of insurance.

There are two ways to insure, one is to choose a seat and the other is to be insured according to the approved number of seats. The rate of the former is generally set for the limit of compensation, and the latter is for the limit of compensation. In addition, it is also important to choose the right insurance channel, Huize.com is the best channel to provide professional car personnel liability insurance, you are welcome to come to purchase and consult.

Dadi Auto Insurance Insurance Advantages: *Private Car Commercial Insurance Save 15%* Unlimited Seven-star Non-Accident Roadside Assistance Claim Features: * Rapid Handling of Simple Claims * Set up Damage Assessment Points or Door-to-door Damage Assessment Ping An Auto Insurance Insurance Advantages:

Private car commercial insurance multi-province 15%* Free vehicle and vessel tax payment service claim features: * experts on-site rapid investigation and damage assessment * national general claim, complete documents can be settled locally.

If you often take your family and friends out for picnics or outings, I recommend that you have on-board liability insurance. The role of the on-board personnel liability insurance is to protect the insurance of the people inside the vehicle**, note that this refers to the people on the insured vehicle. This type of insurance can mainly compensate the people on the car when a related accident occurs on the car, and you can see this detailed connection and summary for more detailed information:

Is Occupant Liability Insurance worth buying? What are the specific coverages?

There is also a type of insurance that can also cover personal injury caused by an accident in the event of an accident. This is the driving insurance mentioned above. Driving insurance is a kind of personal insurance accident insurance, which mainly deals with traffic accidents, but this kind of insurance is said to be for the insured and a single person, and when traffic accidents and other accidents occur, Hu mainly depends on whether the individual has accident insurance.

Buying Occupant Liability Insurance or Driver Insurance? Which is cheaper and more secure?

In fact, the car insurance that must be bought should also be insured according to the condition of the car. For example, there is no need to buy a full car theft insurance for a vehicle with a good anti-theft device, but if it is often parked on the side of the road and an old car, it does need a full car theft insurance, so whether to buy it or not depends on the specific situation. I have sorted out the types of car insurance, and if you can't make up your mind to buy it, you can first find out what types of car insurance are available:

What are the types of car insurance? Do you want to buy them all?

Yes, the liability insurance of the personnel on the vehicle 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 car caused by traffic accidents.

You can choose the accident insurance for drivers and passengers, not with the car, and the cost performance is better than the car and passenger insurance in the car insurance, if you are interested in private chat.

It is necessary to buy car insurance personnel insuranceWhether working or traveling, self-driving has become the main mode of travel for many people. However, there are still not many groups of people who buy personal accident insurance, and it is inevitable that there will be disputes in the event of an accident, and at this time, the liability insurance for people on the car will come into play!

1.What is Occupant Liability Insurance?

Liability insurance for people on boardThe main function is to compensate the vehicle for the first person in the car caused by a traffic accident, only for the person on the insured vehicle, can be divided into:Passenger and driver seat insuranceWhich is cheaper and more secure?

2.Do I need to purchase on-board liability insurance?

Whether you need to buy it or not depends on your personal needs and driving situation. A novice who often drives and often takes family and friends on tripsIf you don't have much experience, you are not familiar with the road conditions, and there is a high possibility of danger, so it is recommended to buy this insurance.

3.How much is the on-board occupant liability insurance?

(1) How much is the sum insured?

Liability insurance for each seat of the vehicleThe sum insured generally has four grades: 10,000, 20,000, 50,000 and 100,000。The passenger's insurance amount must be uniform, and the driver can choose the insurance amount individually. The number of insured drivers and passengers generally does not exceed the number of seats in the insured vehicle.

So, how much coverage is appropriate?

In general, passengers can choose according to the medical expenses incurred as a result of the traffic accident20,000 and aboveThe amount of insurance, and the driver can chooseMore than 50,000The sum insured.

(2) How much? Liability insurance for people on board = insurance amount * insurance rate * number of seatsThe rate table of liability insurance for persons on board is as follows:

In the case of a 5-seater family car, the rate for the driver's seat is:, hypotheticalBuy an insurance amount of 50,000 yuan, then the cost of a driver's seat is50,000 yuan, that is, the purchase of the driver's seat of the car personnel liability insurance is only 210 yuan. How to buy the best deal? Take a look here:

How to buy car insurance is the most cost-effective

4.What are the circumstances that cannot be compensated?

(1) Violation of the law firstIf the driver is drunk driving, driving without a license, overloading and speeding, or the vehicle does not undergo annual inspection on time, etc., the insurance company will refuse to pay for these cases.

(2) Not in the carWhen a traffic accident occurs, the driver or passenger must be in the car or on the body of the car (including getting on and off the car) to be compensated, otherwise it is also a refusal to pay, such as jumping out of the car and being injured, being hit by changing tires outside the car, etc.

Is it necessary to buy on-board personnel liability insurance? Understand these points, and don't bother with them from now on.

Purchase on-board occupant liability insurance.

Suitable. There are two ways to buy the liability insurance of the people on the bus: the first is to buy only the driver's liability insurance, and the other is to buy the liability insurance of other seats in addition to the driver's liability insurance.

In the unfortunate event of a traffic accident, the insured shall be liable for compensation in accordance with the law, and the insurer shall be responsible for compensation. After the person in the car has a **, it can be in accordance with the "Road Traffic Accident Handling Measures".

The scope of compensation, the items of compensation and the standard of compensation shall be compensated.

Compulsory insurance for motor vehicle traffic accident liability.

Article 1 of the Regulations is based on the Road Traffic Safety Law of the People's Republic of China in order to ensure that victims of motor vehicle road traffic accidents receive compensation in accordance with the law and promote road traffic safety.

The Insurance Law of the People's Republic of China formulates these Regulations.

Article 2 The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall, in accordance with the provisions of the "Road Traffic Safety Law of the People's Republic of China," take out compulsory insurance for liability for motor vehicle traffic accidents.

These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.

Article 3 The term "compulsory insurance for motor vehicle traffic accident liability" mentioned in these Regulations refers to the compulsory liability insurance in which the insurance company compensates within the liability limit for the personal and property losses caused by the road traffic accident of the insured motor vehicle and the victim other than the insured.

Hello! There are two main types of auto insurance: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory for the state. Compared with compulsory traffic insurance, automobile commercial insurance is purchased by the car owner.

Commercial insurance includes cavity cavity: vehicle loss liability insurance, main insurance (main insurance), commercial third-party liability insurance (main insurance), full vehicle theft insurance, vehicle personnel insurance, glass breakage insurance, body scratch insurance, natural insurance, etc., which can be purchased selectively.

Remind the majority of car owners and friends that when choosing vehicle insurance, they should ** what risks they may encounter, and then purchase car insurance products according to their needs. You can also take a look at the precautions for buying a car.

Best wishes! Extended reading: [Insurance] How to buy, which one is better, teach Zhongbi your thick shirt to avoid these insurance"pits"

It is necessary, because Wang Fail's driving insurance is an accident insurance, no matter who is responsible for the accident, as long as it is the person in the car, it can get compensation, and it does not affect the compensation of the car insurance, which is a kind of supplementary insurance. It is recommended that you choose one of the driving insurance or seat insurance to purchase.

Whether to purchase the liability insurance for the occupants of the vehicle can be decided according to the needs of the parties, and it is not a compulsory insurance policy. The liability insurance of the personnel on the car refers to the passenger part of the liability insurance of the personnel on the car, which refers to the insured allowed by the qualified driver to meet the insured in the process of using the insured car, resulting in the personal life of the passengers in the car, and the insurance company will compensate in accordance with the insurance contract.

[Legal basis].Article 12 of the Insurance Law.

The policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract. The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event. Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance. The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

It is necessary to buy on-board personnel liability insurance, after all, the probability of traffic accidents has always existed, and in order to bear this kind of risk, on-board personnel liability insurance is a good choice. However, it should be reminded that if the family members and friends who often sit in the car have purchased personal accident insurance, then the liability insurance for the personnel on the car can not be purchased.

Extended information] on-board personnel liability insurance, that is, 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 in the use of the insured vehicle in the process of insurance accidents, resulting in the passenger in the car **, according to the law should be borne by the insured liability for compensation, 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.

1. Insurance liability.

In the event of an accident in the insured vehicle (not intentionally by the perpetrator, but an unforeseeable and irresistible emergency event caused by the perpetrator that causes loss of personnel ** or property), the loss of expenses caused by the driver or passengers in your car**, as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss, shall be liable for compensation.

2. How to determine the amount insured.

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.

3. Insurance compensation.

1) Compensation items.

The scope, items and standards of compensation for the persons on the bus** shall be subject to the provisions of the Measures for the Handling of Road Traffic Accidents, but the maximum compensation amount per person shall not exceed the compensation limit per seat. Specific expenses include: rescue expenses, medical expenses, lost work expenses, etc.

2) The amount of compensation.

Depending on how much you are responsible for the accident, the insurance company will pay 80%-95% of the total amount payable (the rest is the part that is exempt from compensation under the terms of the policy). 80% of the compensation for the full liability of the insured, 85% of the compensation for the primary liability, 90% of the compensation for the equal liability of both parties to the accident, and 95% of the compensation for the secondary liability of the insured.

3) Importance.

In a traffic accident, the collision of 2 cars caused injuries to the people on the car, and the two cars are insured with three insurance, according to the liability compensation delineated by the traffic police, and the three insurance is not enough to compensate, the car personnel insurance is very important.

It is necessary to buy. After a traffic accident occurs, the insurance of the occupants of the vehicle will compensate for the ** caused by the people in the car in the traffic accident. It is only for the people in the car, and the insurance for the people in the car is for the people in the car. This needs to be determined.

How to buy on-board personnel insurance.

After purchasing a vehicle, you need to go to the insurance company to purchase commercial insurance, and choose the accompanying person insurance in the commercial insurance before you can use it. Motor vehicle insurance is compulsory, but compulsory insurance does not include coverage for the occupants of the vehicle. The main compensation of compulsory insurance is that the empty cherry blossom object Dou Chuncong is a non-vehicle person and a non-insurer.

Compulsory traffic insurance is purchased in **.

Compulsory traffic insurance for motor vehicles is purchased directly from the insurance company. Pay attention to the purchase of compulsory traffic insurance, and pay the vehicle and vessel use tax at the same time as the compulsory traffic insurance. If there is no accident in the previous year, there are certain discounts. If an accident occurred in the previous year, the discount will be reduced or there will be no discount.

Millions of car purchase subsidies.