Do both parties need to come forward for vehicle third party insurance?

Third party liability insurance is applicable to the compensation of the three (i.e., the other party) who cannot pay themselves. In the event of an accident between the two parties, the party in possession will activate the insurance, but if the property loss exceeds 2,000 yuan, it shall be paid within 2,000 yuan for the compulsory traffic insurance.

It is necessary for both parties to come forward, and it should be the insurance of the payer, the policyholder has the right to know, and the insurance company needs the policyholder to confirm when assessing the loss. As for the other party, not to mention, it is impossible not to be present for the compensation of oneself.

The three-party insurance mainly pays for the losses of the three parties other than the compulsory traffic insurance, including the other party's property damage, car damage, and personal injury.

In the event of an accident between the two parties, if you are responsible and the loss of the other party has exceeded the limit of compulsory traffic insurance, you will use the three insurance to pay compensation. Actually, you don't have to worry about these things. Do you mainly look at the traffic police to determine whether you are responsible?

If you are responsible for dividing the other party's information, hand over the other party's information to the company you purchased insurance from, and they will handle it for you. Hope it helps!

If it is a major case, the responsible party needs to wait for the insurance payment amount to come down and then give the non-responsible party to come forward, so that the insurance company will directly pay the loss of the non-responsible party within the scope of the insurance to the non-responsible party (the non-responsible party has the right to know how much the insurance company pays him, how much is the difference, and how to deal with the difference)

Legal analysis: third-party liability insurance, the full name of commercial third-party liability insurance, refers to an insurance type in which the driver suffers direct personal or property losses due to an accident in the process of using the insured vehicle, resulting in a third party suffering direct personal loss or property, and the insurer shall compensate in accordance with the relevant provisions of the insurance contract and pay the amount of compensation according to law. The cost of third party liability insurance varies depending on the nature of the insured vehicle.

Legal basis: Road Traffic Safety Law of the People's Republic of China Article 75 Medical institutions shall promptly rescue persons injured in traffic accidents, and shall not delay treatment because rescue expenses are not paid in a timely manner. If the vehicle involved in the accident participates in the compulsory third-party liability insurance of the motor vehicle, the insurance company shall pay the rescue expenses within the liability limit; If the rescue expenses exceed the liability limit, and those who do not participate in the compulsory third-party liability insurance of motor vehicles or escape after the accident, the road traffic accident social assistance ** shall pay part or all of the rescue expenses in advance, and the road traffic accident social assistance fund management agency shall have the right to recover from the person responsible for the traffic accident.

Insurance Law of the People's Republic of China Article 65 The insurer may, in accordance with the provisions of the law or the contract, directly compensate the third party for the damage caused to a third party by the insured of the liability insurance.

If the insured of the liability insurance does not have a rock shed and causes damage to a third party, and the insured's liability for compensation to the third party is determined, the insurer shall, at the request of the insured, directly compensate the third party for the insurance money. If the insured fails to make a request, the third party has the right to directly claim compensation from the insurer for the part of the compensation to be paid.

If the insured of the liability insurance causes damage to a third party, and the insured fails to compensate the third party, the insurer shall not compensate the insured for the insurance money.

Liability insurance refers to insurance that takes the insured's liability for compensation to a third party as the subject matter of insurance.

Under normal circumstances, you can not buy, if you are a novice or the ** of the car is more expensive, it is suitable to buy.

First of all, look at car damage insurance.

Coverage:

Collisions, natural disasters.

damage caused by glass insurance and theft insurance.

1.If you are a novice on the road, the risk of collision is relatively high, so it is recommended to buy car damage insurance.

2.The maintenance cost of the vehicle with a higher price will also be higher, and even a small scratch will cost thousands, and you will be relieved if you have car damage insurance.

The value of the vehicle is low and the driver is skilled, the probability of collision is low, and the cost of small scraping is not high, so there is no need to go out of insurance, and the premium will increase in the second year after the accident.

If you don't buy it, you will suffer a big loss. I have to buy it.

1. Does third-party liability insurance protect the other party and the car?

1. Third-party liability insurance refers to the death of the insured or the person who is allowed to drive when the insured vehicle has an accident, resulting in the death of the third party or the direct loss of property, and the insurance company shall provide liability compensation to the insured in accordance with the relevant insurance regulations.

2. Legal basis: Article 6 of "Third Party Liability Insurance".

The insurer shall not be liable for compensation for the following personal or property losses caused by the insured vehicle, regardless of whether the insured shall be liable for compensation in law. Loss of the person**, property owned or escrow of the insured Liang Congwei and his family members. Loss of the person**, property owned or escrow of the driver of the vehicle and his/her family members.

Damage to the person or property of other persons in the car.

2. Does the third-party liability insurance cover the loss of commercial vehicles?

1. No, the third-party liability insurance is to compensate the third party, and the others are not responsible;

2. In the case of compensation for damages in Oak State, if the victim claims compensation for the loss of the suspension of the damaged vehicle during the repair period on the grounds that the damaged vehicle is being used for cargo transportation or passenger transportation business activities, the person responsible for the traffic accident shall compensate him;

3. The indirect losses suffered by the victim of the traffic accident, that is, the loss of the vehicle being suspended, also have the right to claim compensation from the person responsible for the accident;

4. According to the provisions on compensation for direct property losses, this compensation shall also be limited to the actual losses incurred during the suspension of the vehicle;

5. The calculation method is the same as that of direct property loss.

Does third party liability insurance cover the other party's vehicle? After the third-party liability insurance pays the loss of the other party's vehicle, the insufficient part shall be compensated according to the liability: 1. The third-party liability insurance compensation is the insurance that the third party compensates the injured party after the insurer has a group traffic accident.

The property loss of the insured is not compensated by the third-party liability insurance; 2. According to Article 4 of the "Third Party Liability Insurance Clause", the insurer or the driver allowed by the insurer knows or lies in an accident during the use of the insured vehicle; 3. The insurer shall be responsible for the economic compensation liability that shall be borne by the insured in accordance with the law if the third party suffers direct damage to the person or property. @2019