Why do you need to buy 1 million third party liability insurance for car insurance?

Many friends do not understand the composition of car insurance when they buy car insurance, resulting in the third party liability insurance to buy less, worried that something will happen and can't afford to pay, so I asked Brother Meow if I can add the amount of third-party liability insurance, Brother Meow personally called ** consulted the insurance company, I didn't expect ** is also very gratifying, how many tens of thousands of your three responsibilities bought.

No matter how much you hate insurance, no matter how much you grit your teeth at insurance and scold it for being **, however, you still buy car insurance at home! Why do I have to buy third-party liability insurance for car insurance? Why do you need to buy 1 million third-party liability insurance for car insurance?

When the car runs on the road, it is difficult not to have an accident, if you just touch the tractor, it doesn't matter, and the third-party liability insurance of 500,000 yuan is more than enough! Buying insurance is to buy a case in case, in case you encounter a luxury car, 500,000 third-party liability insurance may only be enough for a luxury car to pay for paint!

Taking an ordinary vehicle as an example, the premium for purchasing full vehicle insurance, 500,000 yuan for third-party liability insurance and 1 million invoice for third-party liability insurance is as follows:

Third-party liability insurance of 500,000 yuan.

Third-party liability insurance of 1 million.

The difference between the premium of 500,000 yuan for third-party liability insurance and 1 million yuan for third-party liability insurance is very small, only less than 300 yuan, and if it is discounted, it may be 200 yuan. Therefore, the third-party liability insurance of car insurance must be bought for 1 million!

Hello, this question is up to me, the car insurance three insurance is 1 million, that is, the maximum compensation can be 1 million yuan per accident. From the above, it can be known that the three insurance does not compensate the other party for car damage, in fact, the three insurance and the compulsory traffic insurance are very similar, and they only pay each other. However, unlike compulsory traffic insurance, the compensation limit of the three insurances is larger, which can bring greater protection to the car owner, and the three insurances are not mandatory to purchase, and whether to buy or not depends on the wishes of the car owner.

For example, if Xiao Ming's car is insured by the three parties, then if Xiao Ming has a full liability accident when using the car in the future, then the three insurances can only compensate the other party's losses, and Xiao Ming's own losses need to be borne by himself. Therefore, the three insurance only compensates the other party's car damage, and if you want to compensate for your own losses, you can only buy car damage insurance.

In addition, if a traffic accident causes injury to a third party of the insurance, the liability for compensation shall be borne according to the division of responsibility in the road traffic accident certificate, according to whether the driver of the insured vehicle bears the primary responsibility, equal liability, secondary liability, or no liability for the accident. Among them, the maximum compensation limit of third-party insurance is divided into 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan. If you pay all the responsibility in an accident, you have to pay 1 million yuan, because the insurance company has a 20% free odds, so it only helps you pay 800,000 yuan, and the remaining 200,000 yuan is borne by yourself.

If you have purchased deductible-free insurance, the insurance company will cover the full cost of compensation within the limit.

It refers to the insured amount of commercial third-party liability insurance is 1 million, and if a traffic accident occurs in the process of driving a vehicle, if the third party suffers direct damage to personal ** or property, the insurance company will compensate according to law, and the maximum compensation amount is 1 million yuan.

The three car insurance of 1 million refers to the insured amount of motor vehicle third-party liability insurance, which is 1 million. The insurance liability of motor vehicle third-party liability insurance is: during the insurance period, the insured or its permitted driver has an accident in the process of using the insured motor vehicle, resulting in direct damage to the third party's personal ** or property, and shall bear the liability for damages to the third party according to law, and does not belong to the scope of exemption from the insurer's liability, and the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract for the part that exceeds the compensation limit of each sub-item of the compulsory insurance of motor vehicle traffic accident liability.

The details are subject to the provisions of the insurance contract.

Further information: 1. Third party liability insurance refers to motor vehicle third party liability insurance. The third party liability insurance for motor vehicles is referred to as the third party liability insurance, which refers to the economic responsibility that the insured or its permitted driver has an accident in the process of using the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation. Third-party liability insurance of 1 million means that in the event of a traffic accident, the third-party insurance can pay up to 1 million, but the specific amount of compensation is still related to the degree of injury of the insured.

Third-party liability insurance is one of the main insurances of commercial insurance, which compensates for injuries suffered by others other than the vehicle in the accident.

2. Compulsory traffic insurance is a type of insurance that must be purchased according to the state regulations, and it is a mandatory type of insurance; Third-party liability insurance is a commercial insurance, which can be purchased by the car owner as a supplement to the compulsory traffic insurance. In the event of a traffic accident, the compulsory traffic insurance has the right to give priority to compensation, and the third-party liability insurance can supplement the compensation only if the amount and scope of the compulsory traffic insurance are exceeded. The principle of compensation is different, and the compulsory traffic insurance implements the principle of no-fault liability, as long as the accident occurs, regardless of the faulty liability, you can get compensation from the insurance company; Third-party liability insurance is based on the proportion of the policyholder's liability in the event of an accident and then compensates in accordance with the rules of the contract.

Third, the nature is different, compulsory traffic insurance is compulsory insurance, mainly to protect the rights and interests of victims, reduce the economic burden of double development, and make it more humane; Third party liability insurance is a type of commercial insurance, which is mainly for the purpose of profit. The amount of compensation is different, and compulsory traffic insurance has a maximum limit of 10,000 yuan, which is often insufficient in major accidents; Commercial insurance has more than 50,000-1 million lines for car owners to choose from, which can greatly alleviate economic pressure and reduce their property losses in major accidents.

The first thing people do after buying a car is to insure their car, after all, cars without insurance are not allowed on the road, but there are many types of car insurance that make friends who are new to cars dazzled, what car damage insurance,

The car insurance is 1 million yuan, that is, the maximum compensation for each accident is 1 million yuan.

Third-party liability insurance refers to the amount of compensation that should be paid by the insured in accordance with the relevant provisions of the insurance contract due to an accident that occurs during the use of the insured vehicle by a qualified driver allowed by the insured, resulting in direct personal or property losses to the third party. At the same time, if the insurance company agrees in writing, the insurance company shall bear the arbitration or litigation costs incurred by the insured. This type of insurance is mainly to ensure that the third-party victims of road traffic accidents receive timely and effective compensation.

However, the aftermath of the accident needs to be handled by the insured. The insurance company will pay you up to 30% of the limit of liability.

The three 1 million insurance refers to the insured amount of the third-party liability insurance of 1 million, which mainly protects the vehicle from an accident during driving, resulting in a third party suffering direct personal or property losses, and the insurance company bears the economic responsibility that should have been borne by the insured within the limit.

It is understood that after the comprehensive reform of car insurance, the insured amount of third-party liability insurance has been increased to 100,000 to 10 million, and car owners can determine the insured amount according to their own protection needs and premium budget.

In today's era of luxury cars running all over the streets, many car owners will choose a compensation amount of 1 million when buying third-party insurance, so if you drive a million third parties, if you are fully responsible for hitting a luxury car and need 1 million maintenance fees, will the insurance company take 1 million? This needs to be seen on a case-by-case basis, because insurance companies have routines, in addition to third-party insurance, insurance companies also have a type of insurance called deductible.

Third Party Liability Insurance

Third-party liability insurance, as the name suggests, is an insurance for a third party in a traffic accident, this third party does not refer to the third party, but refers to any third party other than you and the insurance company, including motor vehicles, people, buildings, plants, guardrails, etc., if the third party suffers direct personal or property losses, the insurance company will compensate in accordance with the relevant provisions of the insurance contract. The maximum limit does not exceed 10 million, 500,000 and 1 million are the two commonly used quotas for ordinary family cars, and it is recommended that everyone can go up to 1 million or 1 million.

If you are fully liable, the insurance company will pay up to the maximum amount of the benefit, but only if you have purchased deductible-free insurance.

Deductible not included

The full name of the deductible insurance is "the special clause excluding the deductible", which is an additional insurance to commercial insurance (car damage insurance or third party liability insurance). Referring to Article 17 of the "Motor Vehicle Insurance Provisions": "According to the responsibility of the driver of the insured vehicle in the accident, the vehicle damage insurance and the third party liability insurance shall be absolutely exempted.

20% for those who are fully liable, 15% for those who are primarily liable, 10% for those who are equally liable, and 5% for those who are secondarily liable. If there is no traffic accident without deductible and full liability, the car owner needs to bear 20% of the compensation liability. That is to say, if the total amount of compensation is 1 million, the owner himself has to bear 200,000.

Under normal circumstances, it is highly recommended that you only need to purchase commercial insuranceBe sure to purchase deductible-free insurance because the premium is not high, but you can be exempted from liability for compensation. In addition, it is recommended that you buy car damage insurance, because you are fully responsible, if you do not buy car damage insurance, your car needs to be repaired at your own expense, many drivers are greedy for cheap, do not buy deductible insurance and car damage insurance, resulting in not only to bear their own car repair money, but also to bear 20% of the maintenance cost of the other party's car.

It doesn't have to be paid in full, it's still the amount of money you pay for insurance.

Third party liability insurance, as the name suggests, is an insurance for a third party in a traffic accident, and this third party does not refer to the junior, but to any third party other than you and the insurance company.

In the event of an accident between the two parties, the insurance company is responsible for compensation within the insured amount if there is a third-party liability insurance and the three are not deductible insurance.

Yes, if he doesn't pay, then what he will do is illegal.

Theoretically, it is necessary, but if you do not have a certain amount of financial strength, it is better not to choose.

It's unlikely, after all, insurance companies also have to survive, don't they?

Probably not, the insurance company also looks at the extent of damage to the vehicle.

It didn't say that it would be compensated in full, it should only be within their insurance amount.

I don't think so. If so, the insurance company will not pay for it all. It depends.

Summary. Hello dear! 1. Compulsory traffic insurance 950 yuan (must be purchased); 2. The car damage insurance is almost 1,000 yuan; 3. The third-party liability insurance can cover 50,000, 100,000 and 200,000 yuan, and 100,000 yuan is 600 yuan; 4. More than 300 theft insurance; 5. The personnel on the car are calculated according to 5 seats, and 10,000 yuan per seat is about 100 yuan; 6. The above items add up to 400 yuan without deductibles; 7. Spontaneous combustion insurance 50 yuan; 8. If the glass is damaged separately, it will be calculated as 100 yuan for domestic glass; 9. Scratch insurance 300 yuan; 10. And these 3 are not counted as deductible of more than 50 yuan.

To sum up, a total of about 4,000 yuan.

How much is the third party's 1 million car insurance.

Hello dear! The third party has 1,200 yuan for 1,000,000 yuan of car insurance.

Hello dear! 1. Compulsory traffic insurance 950 yuan (must be purchased); 2. The car damage insurance is almost 1,000 yuan; 3. The third-party liability insurance can cover 50,000, 100,000 and 200,000 yuan, and 100,000 yuan is 600 yuan; 4. More than 300 theft insurance; 5. The personnel on the car are calculated according to 5 seats, and 10,000 yuan per seat is about 100 yuan; 6. The above items add up to 400 yuan without deductibles; 7. Spontaneous combustion insurance 50 yuan; 8. If the glass is damaged separately, it will be calculated as 100 yuan for domestic glass; 9. Scratch insurance 300 yuan; 10. And these 3 are not counted as deductible of more than 50 yuan. To sum up, a total of about 4,000 yuan.

Summary. The ** of the three insurance of 1 million is as follows: 1. If the insured car belongs to an ordinary family car (less than 6 seats) and is insured in the first year, the third-party liability insurance with an insurance amount of 1 million yuan is 2242 yuan; 2. Generally, the so-called full insurance purchased by the 4S shop for the car owner, the cost of compulsory traffic insurance for one year is 950 yuan, the third-party insurance (1 million) is 1917 yuan, and the car damage insurance is 2459 yuan, excluding the deductible (three + car damage + theft) is yuan, a total of yuan; 3. This is mainly for car owners who are new cars or slightly more expensive cars, and it is also a good choice for car owners with good financial resources to choose this insurance.

How much is the third party's 1 million car insurance.

Hello. How much is the third party's 1 million car insurance, 2242

The ** of the three insurance of 1 million is as follows: 1. If the insured car belongs to an ordinary family car (less than 6 seats) and is insured in the first year, the third-party liability insurance with an insurance amount of 1 million yuan is 2242 yuan; 2. Generally, the so-called full insurance purchased by the 4S shop for the car owner, the cost of compulsory traffic insurance for one year is 950 yuan, the third-party insurance (1 million) is 1917 yuan, and the car damage insurance is 2459 yuan, excluding the deductible (three + car damage + theft) is yuan, a total of yuan; 3. This is mainly for car owners who are new cars or slightly more expensive cars, and it is also a good choice for car owners with good financial resources to choose this insurance.

The insurance will change every year in the future, and if there is no insurance, it can be discounted by up to 7%.

Different insurance companies will have different differences, and I personally recommend that you just insure the Pacific Ocean.