How much will the full insurance cover if the car is destroyed and the person dies?

After the vehicle is involved in an accident, the unilateral accident shall be directly compensated by the insurance company in accordance with the vehicle damage insurance; The accident between the two parties needs to be determined by the traffic police, and then the insurance company will pay according to the proportion of liability.

Unilateral accidents are relatively simple, and the specific analysis of the claims of accidents between the two parties:

If one party of the motor vehicle is liable, the insurance company shall be responsible for the compensation of the other party's loss within the limit of compulsory traffic insurance, and the compensation limit is 122,000 yuan, including 10,000 yuan for medical expenses, 2,000 yuan for property damage, and 110,000 yuan for death and disability.

If someone is injured but not disabled or dead, the medical expenses within the scope of compulsory traffic insurance will be compensated at most 10,000 yuan; If there is disability or death, the maximum compensation for medical expenses plus death and disability expenses is 120,000 yuan.

In terms of the other party's car damage, 2,000 yuan will be paid within the scope of compulsory traffic insurance, and the part exceeding 2,000 yuan will be paid by the third-party liability insurance in proportion to the size of the liability.

In terms of your own car damage, your own car damage insurance will pay according to the proportion of liability.

Legal basis]:

Article 43 of the Tort Liability Law provides that if a motor vehicle is involved in a traffic accident and causes damage, it shall be liable for compensation in accordance with the relevant provisions of the Road Traffic Safety Law. In the event of a traffic accident between motor vehicles, the liability for compensation shall be borne in accordance with the proportion of their respective faults. Since you are solely responsible for the accident, it is up to you to bear the relevant losses.

The analysis is as follows: 1. If the driver does not drive without a license, drunk driving, drug driving and other traffic violations, the non-medical insurance expenses in the medical expenses deducted within the insurance amount shall be borne by the car owner, and the other shall be 100% compensated by the insurance company. 2. The accident claim between the two parties is to compensate from the insured amount of the compulsory traffic insurance, and when the claim amount exceeds the insured amount of the compulsory traffic insurance, the insurance amount of the third-party insurance will be used to compensate.

If you exceed the sum insured under all three insurances, you will be responsible for the costs. The liability limit of compulsory traffic insurance refers to the maximum amount of compensation borne by the insurance company for the personal and property losses of all victims of each insured accident in the event of a road traffic accident of the insured motor vehicle. The liability limit of compulsory traffic insurance of automobile insurance is divided into death and disability compensation limit of 110,000 yuan, medical expense compensation limit of 10,000 yuan, property damage compensation limit of 2,000 yuan, and the compensation limit of the insured who is not responsible in road traffic accidents.

3. Definition of third-party insurance: Commercial third-party insurance is a type of insurance insurance in which the insurance company is liable for the loss of a third party. The third party refers to.

In addition to the policyholder, the insured, and the insurer, a third-party victim who suffers losses due to an accident in the insured vehicle.

Extended information: Motor vehicle insurance, also known as automobile insurance (referred to as car insurance), refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance.

Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

How much will the full insurance cover if the car is destroyed and the person dies? All car insurance plans are not fully covered. This is a misunderstanding. There is a seat insurance of 10,000 yuan. I'll give you 10,000. The other party compensates you. You pay the other party.

You have car damage insurance. Pay for the repair cost of your car.

But now you probably don't care about the cost of the car. It's a question of human life. If the other party is also a motor vehicle. The other party's motor vehicle pays you money.

This depends on how much your insurance amount is, the strong insurance part can generally be compensated up to 200,000, and the commercial insurance depends on your insurance amount.

1. Compensation for death caused by traffic accidents.

The person responsible for the traffic accident shall bear the corresponding liability for damages in accordance with the traffic accident responsibility.

Where the victim dies, compensation shall be paid for funeral expenses, death compensation, and other reasonable expenses such as transportation expenses, lodging expenses, and loss of work incurred by the victim's relatives in handling funeral matters.

Where the close relatives of the deceased suffer mental damages, and the person entitled to compensation requests compensation from the people's court for solatium for moral damages, the "Interpretation of the Supreme People's Court on Several Issues Concerning the Determination of Liability for Moral Damages in Civil Torts" is to be applied.

The compensation items shall be determined in accordance with the actual situation, and the expenses shall be settled in a lump sum.

The standard of damages shall be calculated in accordance with the following provisions:

1. Funeral expenses: paid according to the funeral expenses standard of the place where the traffic accident occurred.

2. Death compensation: calculated according to the average living expenses of the place where the traffic accident occurred, and the compensation will be 10 years. for those under the age of 16, the age is reduced by one year for each year younger; For those over the age of 70, the age shall be reduced by one year for each additional year, and the minimum shall not be less than five years.

3. Living expenses of dependents: limited to the deceased or the disabled person who was actually supported before his or her death or before the disabled person lost the ability to work, and had no other livelihood, it is calculated according to the subsidy standard for residents in the place where the traffic accident occurred. Persons under the age of 16 are raised until they reach the age of 16.

Twenty years of support for a person who is unable to work, but five.

Read more 2. Compensation items.

If the victim dies as a result of a traffic accident, the following compensation items are mainly included:

1. Death compensation shall be calculated over a period of 20 years in accordance with the per capita disposable income of urban residents or the per capita net income of rural residents in the previous year at the location of the court where the lawsuit is filed. However, if the age is over 60 years old, the age is not increased by 1 year and decreased by 1 year; If you are over 75 years old, it will be counted as 5 years.

2. Funeral expenses shall be in accordance with the standard of 6 months' average salary of employees in the area where the court is sued;

3. The living expenses of the dependents, if the dependents are minors, shall be calculated up to the age of 18; If you are unable to work and have no other livelihood, 20 years will be counted. However, if the age is over 60 years old, the age is not increased by 1 year and decreased by 1 year; If you are over 75 years old, it will be counted as 5 years.

4. The transportation expenses of family members, in principle, shall not exceed the reasonable transportation expenses of three people to deal with traffic accidents; Excess will be counted as three people.

5. The accommodation fee for family members, in principle, shall not exceed the reasonable accommodation fee for three people to deal with traffic accidents; Excess will be counted as three people.

6. In principle, the compensation for lost work of family members shall not exceed the reasonable loss of work caused by three people dealing with traffic accidents; Excess will be counted as three people.

Legal analysis: after the vehicle has an accident, the unilateral accident will be directly compensated by the insurance company and the company in accordance with the vehicle damage insurance; The traffic police need to determine the responsibility for the accident between the two parties, and then the insurance company will pay according to the proportion of liability.

Legal basis: Article 1213 of the Civil Code of the People's Republic of China If a motor vehicle is involved in a traffic accident and the damage is the responsibility of 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.

Summary. In the event of the death of the party fully responsible for the traffic accident, the insurance company shall first compensate within the limit, and if the insurance company waives compensation or exceeds the insurance limit, the property of the deceased shall bear the liability for compensation. Article 1208 of the Civil Code of the People's Republic of China [Application of Law on Liability for Motor Vehicle Traffic Accidents] Where a motor vehicle causes damage in a traffic accident, it shall be liable for compensation in accordance with the Road Traffic Safety Law and the relevant provisions of this Law.

Article 1213 [Order of Compensation for Entities Bearing Responsibility for Traffic Accidents]Where damage caused by a traffic accident occurs to a motor vehicle and 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.

Take full responsibility for traffic accidents, and how to compensate for car crashes and deaths.

Hello, is the other party dead or is the responsible side dead?

In the event of the death of the party fully responsible for the traffic accident, the insurance company shall first compensate within the limit, and if the insurance company waives compensation or exceeds the insurance limit, the property of the deceased shall bear the liability for compensation. Article 1208 of the Civil Code of the People's Republic of China [Application of Law on Liability for Motor Vehicle Traffic Accidents] Where a motor vehicle causes damage in a traffic accident, it shall be liable for compensation in accordance with the Road Traffic Safety Law and the relevant provisions of this Law. Article 1213 [Order of Compensation for Entities Bearing Responsibility for Traffic Accidents]Where damage caused by a traffic accident involving a motor vehicle is the responsibility of one of the parties to the motor vehicle, the insurer that underwrites the compulsory insurance of the motor vehicle shall first compensate within the scope of the liability limit 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, it shall be compensated by the infringing code Sun Jueren.

Personal injury compensation includes: medical expenses, nutrition expenses, hospital meal allowances, lost work expenses, nursing expenses, disability compensation, disability assistive device expenses, appraisal fees, transportation expenses, assessment fees, and property damage. If the death is premature, the disability benefit is changed to a death benefit, and the funeral expenses are paid.

Personal injury compensation includes: medical expenses, nutrition expenses, hospital meal allowances, lost work expenses, nursing expenses, disability compensation, disability assistive device expenses, appraisal fees, transportation expenses, assessment fees, and property damage. If the death is premature, the disability benefit is changed to a death benefit, and the funeral expenses are paid.

This is the compensation item, you and the insurance need to compensate all the items are included in these, the filial piety calculation base of each province according to the average salary of the previous year or the salary base of the party to calculate the specific amount of compensation.

Summary. Dear, I am glad to answer for you: , the traffic accident is fully responsible, the standard of car crash is that the funeral expenses are compensated according to the funeral expenses of the place where the accident occurred, and the death compensation is compensated according to the economic development level of the victim's location, in addition, the age of the victim should be taken into account, the compensation period is different, and the family members in the handling of traffic accidents generated by the traffic expenses, accommodation expenses, etc., are paid with actual bills.

Take full responsibility for traffic accidents, and how to compensate for car crashes and deaths.

Dear, I am glad to answer for you: the traffic accident is fully responsible, the standard of the car crash is the funeral expenses according to the funeral expenses of the place where the accident occurred, and the death compensation is compensated according to the economic development level of the victim's location, in addition, the age of the victim should be taken into account, the compensation period is different, and the family members of the family Chun Shen in the handling of the traffic accident generated by the traffic expenses, accommodation expenses, etc., are paid with actual bills.

Legal basis, according to Article 93 of the Regulations for the Implementation of the Road Traffic Safety Law of the People's Republic of China, the traffic management department of the public security organ shall make a traffic accident identification book within 10 days from the date of investigation and inspection of the traffic accident at the scene of the inquest and inspection. Where it is necessary to conduct an inspection or appraisal, a traffic accident determination shall be made within 5 days of the date on which the results of the inspection and appraisal are confirmed.