What is the compensation standard for car insurance transportation expenses, and what is the compens

Now, almost everyone who buys a car knows that the first thing to do after buying a car is to take a picture and buy car insurance. Car insurance has become universally accepted. However, some car owners believe that as long as they buy car insurance, all traffic accident losses will be compensated by the insurance company.

Not all accident owners are fully compensated. "Traffic accident compensation lawyers suggest that car owners should pay attention to the following issues when it comes to car insurance claims.

First, report the case in a timely manner. After a traffic accident, the owner of the car should protect the scene, report to the insurance company within 48 hours, truthfully state the accident, provide the insurance policy, wait for the insurance company's investigators to investigate the scene, and fill in the "Claim Application". In addition, the owner of the car as soon as possible to hand over all kinds of claim documents to the insurance company's claims adjuster, after the repair of the vehicle in danger, the owner should keep the repair invoice, and at the same time provide other necessary materials to the insurance company to claim.

Second, understand the scope of denial and exemption. "When making a car insurance claim, car owners should follow the relevant traffic regulations and familiarize themselves with the insurance coverage. Insurance experts say that insurance companies have the right to refuse compensation for vehicles that fail to pass the annual examination or do not have an annual review, tow uninsured vehicles, traffic hit-and-runs, and vehicles whose policies have not been transferred after purchasing second-hand cars.

In addition, not all car owners who have been involved in a traffic accident will be fully compensated. In the case of theft insurance, for example, the insurance company will not pay if the parts or accessories on the vehicle are stolen or damaged, but not the entire vehicle is stolen.

Third, it is not cost-effective to claim for too small losses. Because when renewing car insurance, the insurance company has a premium preferential clause, that is, if the vehicle has not been insured for one year, it can enjoy a premium discount of about 10% when it is renewed in the second year; If there is no insurance record for several consecutive years, then the premium discount can reach up to about 30%.

The above is my analysis made with reference to the professional lawyers of the Beijing Traffic Accident Compensation Consultation Center combined with the experience of handling cases, and I hope it will be useful to the landlord. They center bjshigu is also very famous in the industry in dealing with traffic accidents, and they center net. com also has a lot of traffic accident insurance claims and traffic accident compensation standards and claim skills, the landlord can take a look, do not understand can directly consult a professional lawyer for free, I hope to help the landlord solve the doubt.

Article 22 of the Interpretation on Compensation for Personal Injuries stipulates that transportation expenses shall be calculated based on the actual expenses incurred by the victim and his or her necessary escorts for medical treatment or hospital transfer**. Transportation expenses shall generally be paid in accordance with the standard of travel expenses for ordinary staff of state organs at the place where the infringement was committed.

The compensation standard for car insurance transportation expenses is calculated based on the actual expenses incurred by the insured and his/her necessary escorts due to medical treatment or hospital transfer**. Transportation expenses shall be based on official bills, and shall be consistent with the location, time, number of people, and number of times of medical treatment.

The car insurance claim process is as follows:

1. Report the case, after the traffic accident, the first thing is to report the case in time. Under normal circumstances, the insurance company needs the policyholder to report the case within 48 hours, and if there is a person, he should immediately call 120 to save his life;

2. After the investigation and report, the insurance company will send someone to the scene to check whether it is within the scope of insurance responsibility;

3. Damage assessment, under normal circumstances, if the damage to the vehicle is not serious, the insurance company's surveyor can directly assess the damage on the spot, and the customer can also directly drive the car to the repair shop. However, if the degree of damage to the vehicle is relatively large, it is necessary to go to the damage assessment center for damage assessment;

4. To submit the claim information, the insured shall submit the necessary accident documents to the insurance company within 10 days after the public security traffic management department handles and concludes the car insurance accident;

5. Obtain a claim, after submitting the information, through the requirements of the insurance company, it will give a claim.

Legal analysis: Insurance can pay for transportation expenses, which are calculated according to the actual expenses incurred by the victim and his or her necessary escorts for medical treatment or transfer to a hospital for treatment. Transportation expenses shall be based on official bills; The relevant evidence should be consistent with the location, time, number of people, and frequency of medical treatment.

Transportation expenses include, but are not limited to, airfares, train tickets, subway tickets, taxi invoices, and bus tickets.

Legal basis: "Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases" Article 9: Transportation expenses are calculated on the basis of the actual expenses incurred by the victim and his or her necessary escorts for medical treatment or transfer. Transportation expenses shall be based on official bills; The relevant credentials shall be consistent with the location, time, number of people, and number of times of medical treatment.

Legal Analysis: Transportation expenses are calculated based on the actual expenses incurred by the victim and his or her necessary escorts for medical treatment or transfer**. The balance of the transportation expenses shall be based on the official bill; The relevant credentials shall be consistent with the location, time, number of people, and number of times of medical treatment.

Legal basis: "Interpretation of the Supreme People's Court on Several Issues Concerning the Trial of Personal Injury Compensation Cases" Article 9: Transportation expenses are calculated on the basis of the actual expenses incurred by the victim and his or her necessary escorts for medical treatment or transfer to a hospital**. Transportation expenses shall be based on official bills; The relevant credentials shall be consistent with the location, time, number of people, and number of times of medical treatment.