Is 1.5 million commercial insurance enough to compensate in a personal injury accident?

This matter should be looked at in two steps, the first step, can the insurance of 150 be claimed?

This 1.5 million commercial insurance.

What kind of insurance is it?

The claim liability of different commercial insurance is different, and it is necessary to find out the type of insurance first, and then according to the responsibility of the insurance contract, whether the claim can be claimed.

If there is an accident and the person is gone, and the 1.5 million commercial insurance is medical insurance, it is impossible to trigger the claim.

Then there is no way to talk about whether the quota of 1.5 million is enough.

Let's assume first, this 1.5 million sum insured.

The insurance is all claimable without any doubt.

The second step is to see if the 1.5 million sum insured is enough.

Whether it is enough or not depends on two aspects:

First, how much is the insurance claim of 1.5 million sum insured? 1.5 million or 2 million or 500,000?

Take accident insurance. Many accident insurance policies have a comprehensive death and disability liability, and will also add aviation, self-driving, and public transportation.

If you die due to an aviation accident, the claim amount is superimposed = comprehensive death disability insurance amount + additional aviation death insurance amount, which may be far more than 1.5 million;

If it is because of ordinary accidental disability, the accident insurance with an insurance amount of 1.5 million cannot pay 1.5 million.

Because disability is paid according to the level, it is necessary to go to the designated disability assessment first.

For example, grade 10 disability will be paid according to 10% of the sum insured, and the accident insurance disability liability of 1.5 million yuan will be paid 150,000 yuan.

Suppose this insurance can successfully claim 1.5 million yuan.

The second is to see if 1.5 million is enough, mainly to see whether it can match the value of the insured.

If my annual income is 50,000 yuan, then my 1.5 million yuan is equivalent to my income for 30 years, which can basically match my worth;

If my annual income is 1 million per year, and 1.5 million is only my income for a year and a half, this amount is far less than what I am worth.

1.5 million is enough for some, and for some, it may be just a month's pocket money.

Therefore, it is necessary to see whether the insurance amount is enough according to the value.

Generally speaking, it is measured by looking at a person's annual income, which not only refers to salary, but also refers to the sum of income obtained from various channels, including salary, bonus, rent, patents, equity investment and other income.

It is recommended to consult a professional practitioner to configure this sum insured, and a simple and crude standard is also given here: critical illness insurance.

The sum insured is set at 3-5 times the annual income, and the annual income for life and accident insurance is set at 5-10 times the annual income.

It depends on the size of your responsibility and the specific circumstances of the victim. For general personal injury, the compensation limit of 1.5 million is sufficient. However, if there are special circumstances, such as causing the victim to be in a vegetative state, requiring long-term ** and nursing care, or causing the victim to have a high level of disability, it is difficult to say whether it is enough or not.

Of course. Because you have already bought commercial insurance, it can be paid, so you don't have to worry.

After an accident, we can pay all your losses, because when we buy insurance, we must also be hungry for the accident to make plans, so after you have a bad chain accident, the insurance company will pay in full.

Yes. You can compensate yourself for all your losses. Because I have purchased the corresponding land chain insurance, and I have also purchased commercial insurance. Therefore, the other party will give himself the corresponding early guess Sun compensation Zhaoyou.

If an accident occurs, and this liability has nothing to do with us, then the insurance company should compensate for the loss in full.

Hello, for the question of how to settle the claim between compulsory traffic insurance and commercial liability insurance after a motor vehicle traffic accident, it is first necessary to determine the division of responsibility for traffic accidents, that is, to clarify what responsibility the insured vehicle bears in the accident.

If the motor vehicle is insured with compulsory traffic insurance, as long as the motor vehicle bears all the primary or secondary responsibility for the accident, the compulsory traffic insurance will be fully compensated: the medical expenses are 10,000 yuan. If the excess medical expenses are exceeded, the compensation ratio shall be determined according to the division of accident liability; If the motor vehicle is not responsible in the accident, the motor vehicle shall bear the compensation without liability, and the compulsory traffic insurance will pay 10%, that is, the amount of medical expenses of 1,000 yuan, and the excess part shall be borne by the injured person who is fully responsible for the accident.

The car accident injury cost 35,000 yuan, the motor vehicle is not without responsibility, 10,000 yuan of medical expenses is the compulsory traffic insurance compensation, and the excess of 25,000 yuan, according to the division of responsibility, from the 500,000 yuan of commercial insurance claims. If the motor vehicle is not liable, only 1,000 yuan of medical expenses will be compensated, and commercial insurance will not compensate.

Compulsory Insurance for Motor Vehicle Traffic Accident Liability

Article 8 Within the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), if the insured has a traffic accident in the course of using the insured motor vehicle, resulting in personal or property losses to the victim, the insured shall be liable for damages according to law, and the insurer shall be responsible for compensation within the following compensation limits for each accident in accordance with the provisions of the compulsory traffic insurance contract

1) The compensation limit for death and disability is 110,000 yuan;

2) The compensation limit for medical expenses is 10,000 yuan;

3) The compensation limit for property damage is 2,000 yuan;

4) When the insured is not liable, the compensation limit for death and disability without liability is 11,000 yuan; The compensation limit for non-liability medical expenses is 1,000 yuan; The compensation limit for non-liability property damage is 100 yuan.

Under the limit of compensation for death and disability and the limit of compensation for death and disability without liability, it is responsible for compensation for funeral expenses, death compensation, transportation expenses incurred by the victim's relatives for funeral matters, disability compensation, disability assistive device expenses, nursing expenses, ** expenses, transportation expenses, living expenses of dependents, accommodation expenses, lost work expenses, and solatium for mental damage borne by the insured in accordance with the court judgment or mediation.

Under the compensation limit for medical expenses and the compensation limit for non-liability medical expenses, it is responsible for compensating for medical expenses, diagnosis and treatment expenses, hospitalization expenses, inpatient meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery expenses, and nutrition expenses.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Kiss <>

We'll be happy to answer for you. <>

In the event of a traffic accident to a person seriously injured, the traffic police sentence you are fully responsible, but the commercial insurance only bought 500,000 yuan is enough to settle the claim, and the traffic accident is fully responsible for the compensation paid by the insurance company, but if the compensation exceeds the limit, the responsible person shall bear the excess part of the compensation. If the injured person is hospitalized, it also needs to bear the hospitalization fee, hospital meal subsidy, nutrition fee, nursing fee, and if the injured person reaches the disability level, it also needs to bear the disability compensation, mental loss fee, lawyer fee, etc., and the above expenses shall be borne by the insurance company within its coverage, and the excess part shall be borne by the responsible person.

In a traffic accident to a serious injury, the traffic police sentenced me to full responsibility, but commercial insurance only bought 500,000 is enough to settle the claim.

Kiss <>

We'll be happy to answer for you. <>

In the event of a traffic accident to a person seriously injured, the traffic police sentence you are fully responsible, but the commercial insurance only bought 500,000 yuan is enough to settle the claim, and the traffic accident is fully responsible for the compensation paid by the insurance company, but if the compensation exceeds the limit, the responsible person shall bear the excess part of the compensation. If the injured person is hospitalized, it also needs to bear the hospitalization fee, hospitalization meal subsidy, nutrition fee, and nursing expenses.

Legal basis: 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 limit of the liability of the compulsory dust chain insurance for the liability of the motor vehicle traffic accident 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.

Dear, can you describe the specific situation.

Dear, okay. As above, 500,000 yuan of commercial insurance and compulsory insurance were also bought, is this enough to settle the claim?

Dear, in this case, it is generally at the level of disability level 8.

Dear, it is generally enough to settle the claim.

Dear, have you ever asked the hospital about how much it costs in total?

It is not yet understood.

Dear, okay, in this case, the 500,000 yuan of general commercial insurance can be compensated.

Do I have to bear any costs?

Dear, there is generally no cost for you.

Dear, you don't have to pay anything for not exceeding the scope of the insurance.

Dear, you can reconcile with the other party's family as soon as possible.

In this way, the insurance company generally pays the injured person.

Pro, generally about 600,000 yuan is compensated for the injured.

Wouldn't that exceed the insurance amount of 500,000, and I have to pay the remaining 100,000 by myself.

The specific compensation needs to be determined according to the level of disability and the recovery period of the injured person.

Dear, the teacher will teach you how to deal with it.

Dear, your compulsory insurance can also compensate the other party, and you don't need to pay it yourself.

Dear, if you are here, you can reconcile with your family first.

First, traffic accidents are injured commercial insurance compensation Generally, this situation requires an accident identification letter and a mediation letter from the traffic police, and the insurance company will determine the responsibility and how much money should be paid according to this, and it is best to find the traffic police immediately and ask him to issue a certificate, if there is no one, then you must be ready to file a lawsuit with the insurance company, and some insurance companies will think that your information is incomplete. 2. What is the standard of compensation for traffic accidents (1) Standard of compensation for personal injury The standard of compensation for personal injury includes the following items: medical expenses, lost work expenses, nursing expenses, nursing lost work expenses, social security supplementary contributions, re-entry loss expenses, short-term living expenses for re-employment, and temporary unemployment expenses.

Hospitalization procurement expenses, inter-provincial transportation expenses for returning home, intra-county transportation expenses, inter-county transportation expenses, nursing accommodation expenses, in-hospital meal subsidies, in-hospital errand expenses, errand expenses for prosecution and evidence collection, travel expenses, harm and pain to the human body caused by taking medicine and suturing infusion due to injury, various photocopying expenses, clothing scrapping or property damage expenses, necessary nutrition expenses, disability compensation, disability assistive device expenses, living expenses of dependents, ** expenses, follow-up expenses, funeral expenses, death compensation expenses, transportation expenses incurred by the victim's relatives for funeral matters, Other reasonable expenses such as accommodation expenses and loss of work, and solatium for moral damages. (2) Compensation standards for property losses The compensation standards for property losses are based on the direct losses and indirect losses caused by traffic accidents. Compensation standards for direct losses:

In principle, the original state of affairs shall be restored or compensation shall be compensated at a discounted price. For partially repairable vehicles, facilities and articles, compensation shall be made for maintenance costs; If the depreciation is caused by partial losses, the loss of the depreciation part shall also be compensated; Where it cannot be repaired, compensation shall be made for its actual value. Compensation standards for consequential losses:

Where the victim suffers indirect losses as a result of a traffic accident, the infringer shall also compensate for the losses. For example, in a case of compensation for damages caused by a traffic accident, if the victim claims compensation for the loss of the suspension of operation during the repair period of the damaged vehicle on the grounds that the damaged vehicle is being used for cargo transportation or passenger transportation business activities, the person responsible for the accident shall be compensated. (3) Compensation for Moral Damages Standard Moral damage is an intangible injury that cannot be measured by outsiders, and the magnitude and extent of moral damage generally cannot be measured by material scales, therefore, in specific judicial practice, the solatium for moral damage can only be based on the specific circumstances of the parties, including the regional economic environment, the identity of the parties, the family background of the parties, and the extent of the responsibilities of the parties in the case. Social influence, etc., is to be determined by the judge on the basis of his or her discretion within a similarly objective, reasonable, and appropriate range.

The standard of compensation for personal injury in a traffic accident is that the party responsible for the accident is responsible for medical expenses, lost work expenses, and nursing expenses incurred due to the accident. Secondly, the procurement expenses of hospitalization, transportation expenses, medical expenses and nutrition expenses are also compensated, and the compensation standard for medical expenses is based on the relevant certificates issued by the hospital.