In the event of a traffic accident, whether the third party commercial insurance and compulsory traf

Hello comrade, I am the elder brother of Shaoyang, Hunan, and I have just finished handling a lawsuit, so let me tell you according to my experience.

First of all, responsibility. The insurance company will use the compulsory insurance first according to your liability. (Deductible 0.)

You don't suffer either. Responsible for the other party's property damage, car damage (2000 maximum limit), hospitalization medical expenses (8000 including hospitalization care, living allowance, lost work transportation expenses), death and disability allowance (50000).

In addition, it depends on whether your car damage and compulsory traffic insurance meet the needs of the other party. The three liability insurance is the first time within the scope of your responsibility that the animal insurance is in the part you are responsible for, and the full liability is 80%.The main responsibility is 85%.

90% for the same liability, 95% for the second liability, and then minus the 500 deductible, but every time you use the insurance in the future, it will be reduced by 5%, so you need to consider whether you need to use it according to your actual situation.

Both can be used, the amount of compulsory traffic insurance is limited, especially the medical expenses are only 8000, and the insufficient part of the commercial third-party insurance should of course also be compensated. How much you can pay depends on the actual loss of the other party and the amount of your insurance.

You should understand that commercial insurance is only a supplement to compulsory liability insurance. In traffic accidents, the insurance company will first pay through compulsory traffic insurance, and only use commercial insurance to pay when the compulsory traffic insurance is insufficient. In other words, if your losses do not exceed the limit of compulsory liability insurance, commercial insurance is useless.

Commercial insurance can only be used if the loss exceeds the limit of compulsory liability insurance.

The medical limit of compulsory traffic insurance is 8,000 yuan.

Both can be paid. However, the upper limit is based on the higher sum insured, and it will not be exceeded.

In the case of insufficient compulsory traffic insurance, it is made up from commercial insurance (referring to the three).

How much, you ask? Didn't anyone give you a live appearance? Specifically, ask the person at the scene. Can't ask here? Because I don't know what the scene is.

Compulsory traffic insurance and commercial third-party liability insurance (hereinafter referred to as commercial insurance.

The main differences are as follows:

1. Compulsory traffic insurance is compulsory by the state, while commercial insurance is voluntary; Therefore, you must purchase compulsory insurance, even if you have commercial insurance;

2. The coverage of compulsory traffic insurance is wide, and the insured amount.

Low; Commercial insurance has a relatively narrow coverage and a high amount of insurance;

In terms of coverage of coverage: in the event of an insured accident, the compulsory traffic insurance not only bears the liability for damages that should be borne by the insured according to law when the insured is liable, but also bears the corresponding liability for damages when the insured is not liable; In commercial third party liability insurance, the insurer is not liable for compensation in the event that the insured is not liable (or not at fault). In addition, there are many situations in which the insurer is not liable for compensation under the "Exclusion of Liability" clause of the commercial third party liability insurance clause.

3. In terms of insurance amount:

The compulsory traffic insurance contract stipulates that the compensation for each accident shall be within the following compensation limits:

1) The compensation limit for death and disability of Sou Tang is 50,000 yuan;

2) The compensation limit for medical expenses is 8,000 yuan;

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

4) When the insured is not liable, the compensation limit for non-liability death is 10,000 yuan, the compensation limit for medical expenses without liability is 1,600 yuan, and the compensation limit for property damage is 400 yuan.

The compensation limit of commercial third-party liability insurance can be chosen by the insured among 50,000, 100,000, 150,000, 200,000, 300,000, 500,000, 1 million or more, which is much higher than that of compulsory liability insurance.

4. The premium of compulsory traffic insurance is fixed for each model; For commercial insurance, the premium for the same vehicle type can also be different.

The premium of commercial insurance depends on many factors: the amount of insurance, the type of vehicle, the age of the vehicle, the driving area, the previous year's insurance, whether the driver is designated, etc., in addition to the insurance channel is also very important, so sometimes the premiums quoted by the same insurance company are different.

Article; Motor vehicle third party liability insurance.

Article; Compulsory traffic insurance must be bought, otherwise the world sales group will have the following consequences:

1.Annual inspection of vehicles.

There will be problems, and you will be fined if you do not take compulsory insurance for more than a certain period of time.

2.Cars on the road will encounter traffic police.

If you do not buy a penalty, you will be fined.

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Legal analysis: The insurance company that underwrites the compulsory liability insurance will first compensate within the limit of liability. The deficiency shall be compensated by the insurance company that underwrites the commercial third-party insurance in accordance with the insurance contract.

If there is still a shortage, the person who infringes on the town's banking rights shall compensate for it. Generally, the accident will be compensated by the compulsory traffic insurance within the scope of the liability limit, and the commercial insurance of the third party shall compensate for the insufficient part in accordance with the content of the contract, and if there is still a deficiency, the main responsible party shall bear the compensation costs. If the car owner has purchased both compulsory traffic insurance and commercial insurance, please compensate for the losses caused by the insured accident first; The part that exceeds the liability limit of the compulsory traffic insurance shall be compensated through the commercial third-party insurance.

Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases of Compensation for Damages in Traffic Accidents》 Article 16 Where a motor vehicle that has purchased both compulsory third-party liability insurance and commercial third-party liability insurance for motor vehicles causes damage caused by a traffic accident, and the parties sue both the infringer and the insurance company, the people's court shall determine the liability for compensation in accordance with the following rules: The insurance company that underwrites the compulsory traffic insurance shall first compensate within the limit of liability. The deficiency shall be compensated by the insurance company that underwrites the commercial third-party insurance in accordance with the insurance contract.

If there are still deficiencies, compensation shall be made by the person who infringes on the right to change in accordance with the relevant provisions of the Road Traffic Safety Law and the Civil Code. Where the infringed party or their close relatives request that the insurance company that underwrites the compulsory traffic insurance give priority to compensation for mental damages, the people's court shall support it.

1. How to judge responsibility for a traffic accident on the road without compulsory traffic insurance:

1. If no one has purchased compulsory traffic insurance, the determination of traffic accident liability will not be affected after the traffic accident is stopped.

2. After a traffic accident occurs, the liability of the parties shall be determined according to the role of the parties' actions in the occurrence of road traffic accidents and the severity of the fault.

3. If the compulsory traffic insurance is not insured, the traffic management department of the public security organ shall detain the motor vehicle and impose a fine of twice the insurance premium that should be paid within the minimum liability limit of the insurance.

2. What are the conditions for handling compulsory traffic insurance?

1. The owner of the car should bring the relevant documents to the insurance company with the qualification to operate compulsory insurance.

2. Under the guidance of the insurance company, fill in the insurance policy truthfully.

3. The insurance company's handling personnel inspect, verify and ensure that the policy content of the insured vehicle is consistent with the driving license and the actual vehicle information.

4. Determine the amount of insurance premium according to the nature of the use and the actual situation of the vehicle.

Hello, third-party liability insurance is commercial insurance, therefore, third-party liability insurance does not include compulsory traffic insurance.

The main differences between compulsory liability insurance and commercial third-party liability insurance (hereinafter referred to as commercial insurance) are as follows:

1. Compulsory traffic insurance is compulsory by the state, while commercial insurance is voluntary; Therefore, you must purchase compulsory insurance, even if you have commercial insurance;

2. Compulsory traffic insurance has a wide range of protection and low insurance amount; Commercial insurance has a relatively narrow coverage and a high amount of insurance;

In terms of coverage of coverage: in the event of an insured accident, the compulsory traffic insurance not only bears the liability for damages that should be borne by the insured according to law when the insured is liable, but also bears the corresponding liability for damages when the insured is not liable; In commercial third party liability insurance, the insurer is not liable for compensation in the event that the insured is not liable (or not at fault). In addition, there are many situations in which the insurer is not liable for compensation under the "Exclusion of Liability" clause of the commercial third party liability insurance clause.

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What is the difference between commercial third party liability insurance and compulsory liability insurance? This time I finally got it.

1. The difference between compulsory traffic insurance and commercial insurance.

1. Legal status.

Compulsory traffic insurance is compulsory insurance, motor vehicles on the road must be insured for travel training, new car listing, old car annual review must provide spine only compulsory traffic insurance policy.

Commercial third-party insurance is a kind of commercial insurance, and the policyholder chooses whether to apply for insurance according to his own choice.

2. Limitation of Liability.

Compulsory traffic insurance is a fixed amount insurance, and the compensation limit is 10,000 yuan. Commercial third-party insurance is an indefinite insurance, and the policyholder chooses the liability limit independently.

3. Insurance liability.

Compulsory traffic insurance determines the compensation limit based on whether the vehicle is liable in a traffic accident. The compensation ratio is determined according to the proportion of the vehicle's liability in the traffic accident, and the compensation of the three insurance is the part of the compensation that exceeds the liability limit of the compulsory traffic insurance.

4. Legal basis for litigation.

The party who suffers from the traffic accident can directly sue the insurance company of the compulsory traffic insurance to claim compensation within the liability limit. The three-party insurance is a commercial contract, and it is generally not possible to sue the insurance company directly unless the insurance company deliberately does not compensate.

2. Insurance Options.

In general, it is recommended to choose to insure commercial third-party insurance after insuring wild and stupid compulsory insurance, with a limit of not less than 200,000 yuan, and the premium is at the level of more than 1,200 yuan.

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