If I have a traffic accident for the second time, will the insurance pay for it in full?

The second accident will not affect the compensation, but will affect the premium for the second year.

Attached: "Chinese People's Insurance Company Motor Vehicle Third Party Liability Insurance Clause".

Article 24 According to the responsibility of the driver of the insured vehicle in the accident, the insurer shall be exempted from compensation according to the following waiver within the limit of liability specified in the insurance policy:

1) The deductible odds for full liability are 20%, the deductible for primary liability is 15%, the deductible for equal liability is 10%, and the deductible for secondary liability is 5%.

2) In case of violation of the provisions of safe loading, the free odds will be increased by 10%.

1) If the previous insurance year did not enjoy the preferential treatment of non-indemnity insurance premiums, the preferential treatment ratio at the time of renewal is 10%; If the preferential treatment of insurance premiums has been enjoyed in the previous insurance year, the preferential treatment ratio at the time of renewal will be increased by 10% in addition to the preferential treatment ratio in the previous insurance year; The maximum preferential rate of insurance premiums is not more than 30%.

2) In the event of the insurance premium compensation for the vehicle enjoying the preferential treatment of insurance premiums in the previous insurance year, the preferential proportion of insurance premiums shall be calculated according to the following formula when the insurance premium preferential treatment is renewal, until the preferential ratio of insurance premiums is zero.

Preferential premium ratio at the time of renewal The preferential premium ratio of the previous insurance year is -n 10%.

Now there is no 100% power and responsibility in the traffic law, at most you can account for 80% and your rights and responsibilities are about the same, what you said is that the two accidents were caused by two years and also paid the insurance money twice, it stands to reason that it will be fully compensated Otherwise, why would he ask you to pay more insurance amount

As long as the insurance is insured, it can be paid, but the premium discount may be affected when the policy is renewed. If you have been out of insurance too many times, you may not renew your policy later.

Enough, you're about to pay insurance, and it's about to expire, alas... It is estimated that it will not be lost completely.

It varies depending on the terms of each company. Some companies will deduct 5% from the second time

Now that a traffic accident hits someone, how does the insurance company pay for it?

As long as the law is awarded, it can be in the amount of insurance.

within the scope of compensation. In accordance with the Insurance Act.

The insurance company shall settle the claim in two installments. However, due to the increased workload of the insurance company in two claims, and in order to prevent internal crimes, the general claims are in the computer system.

If you want to make a second claim, you need to report to a higher level of approval, and the efficiency is slower.

So there are a few things to keep in mind:

1. If you can afford the amount of ** for the first time, it is recommended to make a one-time claim. If it's going to be split twice, you'll also need to spend time communicating with the insurance company.

2. If the approximate amount of the second operation is stated in the doctor's certificate, you can also negotiate with the insurance company to pay the second surgery fee. Then even if you don't have a second surgery, you can pay a lump sum in advance.

3. If the interval between the second surgery is very long, it may exceed two years from the date of the accident, and it is necessary to request the insurance company in writing to pay a lump sum in advance, regardless of whether the friend is willing or not, and the written reply must be made. lest the statute of limitations have passed.

Claims are not available. Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

An accident is only considered a loss once.

The number of car insurance trips mainly affects the premium, which is reflected in two aspects: commercial insurance and insurance.

1. Commercial insurance: If the user is an old car for more than 3 years and has not been insured for 3 consecutive years, the standard of this year's premium will be about half. When there is no insurance in the previous year, the premium for this year is about 57% of the premium.

If you have an insurance policy once in the previous year, this year's premium will be issued according to the standard. If the car insurance is insured twice in the previous year, the premium will be paid at 95% of the standard premium. Specific car owners can apply for car insurance on the official website of Ping An Direct**.

2. Compulsory traffic insurance: the premium that has not been insured within one year will be discounted by 10% on the basis of the standard premium. If the insurance is not insured for two consecutive years, it will be discounted by 20% on the standard premium.

If the insurance is not insured for three consecutive years, a 7% discount will be given on the standard premium. The minimum standard is a 7% discount. If the insurance is issued once in the previous year, the premium will be issued according to the standard premium.

If the car insurance is insured two or more times, the premium will be increased by 10% of the standard premium. For example, the standard premium for a five-seater family car is 950 yuan.

If there is no insurance last year, the premium for this year is 855 yuan. If there is no insurance for two consecutive years, the premium is 760 yuan. If there is no insurance for three consecutive years, the premium is 665 yuan.

If you take out an insurance policy in the previous year, the premium is 950 yuan. If the car insurance is insured two or more times, the premium is 1045 yuan.

Traffic accidents can be claimed twice. However, the applicant must provide relevant evidence to prove the amount actually incurred as a result of the traffic accident**. Expenses that are determined to be inevitable on the basis of medical certificates or appraisal conclusions may be compensated together with the medical expenses that have already occurred in the judgment.

What is the traffic accident handling period?

1. The time limit for temporarily detaining the car, license plate and driver's license for inspection and appraisal is 20 days;

2. The determination of responsibility for traffic accidents shall be made within 5 days of minor accidents, 15 days of general accidents, and 20 days of major or extraordinarily serious accidents from the date of occurrence of the traffic accident;

3. If the party concerned is dissatisfied with the determination of responsibility for the traffic accident, he may apply to the public security organ at the next higher level for a new determination within 3 days.

Legal basis: Article 19 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases.

Where the period for clearance of care, the period for payment of assistive device fees, or the period for payment of disability compensation exceeds the established period for the payment of nursing expenses, assistive device fees, or disability compensation, and the person entitled to compensation files a lawsuit with the people's court requesting continued payment of nursing expenses, assistive device fees, or disability compensation, the people's court shall accept it. Where the person entitled to compensation truly needs to continue to care for or prepare assistive devices, or does not have the ability to work and make a living, the people's court shall order the person with the right to pay compensation to continue to pay the relevant expenses for 5 to 10 years.

As long as the law decides, it can be compensated within the scope of the insurance amount. According to the provisions of the Insurance Law, the insurance company shall settle the claim in two installments. However, due to the increase in the workload of insurance companies in two claims, and in order to prevent internal crimes, general claims are set up in the computer system and cannot be used for second claims.

So there are a few things to keep in mind:

1. If you can afford the amount of ** for the first time, it is recommended to make a one-time claim. If you divide it into two times, you will also need to spend time communicating with your insurance friend.

2. If the approximate amount of the second operation is stated in the doctor's certificate, you can also negotiate with the insurance company to pay for the second operation. Then even if you don't have a second surgery, you can pay a lump sum in advance.

3. If the interval between the second surgery is very long, it may be more than two years from the date of the accident, and it is necessary to request a lump sum payment in advance from the insurance company in writing, regardless of whether it is willing or not, and the key to the celebration must be replied in writing. lest the statute of limitations have expired and no claim can be made.

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

Summary. Hello dear! Whether the insurance is fully compensated for the second accident should be judged according to the specific situation.

Generally, property insurance (such as car insurance, housing insurance) and compensatory medical insurance (such as pro-rata reimbursement of medicine and hospitalization expenses) that can be estimated cannot be re-insured, and even if they are re-insured, it is impossible to exceed their own loss costs. For life insurance such as accident insurance, critical illness insurance, and term life insurance, it can be purchased multiple times and claims can be repeatedly superimposed.

Dear, you are well buried in hail! Whether the insurance is fully compensated for the second accident should be judged according to the specific situation. Generally, property insurance (such as car insurance, housing insurance) and compensatory medical insurance (such as medical and hospitalization expenses reimbursed by Piling on a proportional basis) cannot be re-insured, and even if the source ant is repeatedly insured, it is impossible to exceed its own loss costs.

For life insurance such as accident insurance, critical illness insurance, and term life insurance, it can be purchased multiple times and claims can be repeatedly superimposed.

Is there a limit to the insurance company's coverage for one year after the car is fully insured?

Hello dear! What kind of accident is it?

Normal car accidents.

Hello dear! Car accident secondary negligence insurance claims. If there are two accidents within a month, the insurance company will still give the compensation to the rational child, but it will give the corresponding reduction in compensation in accordance with the terms of the contract.

Hello dear! Extended information: If the insurer calculates compensation for losses within the scope of insurance liability in the event of a loss within the scope of insurance liability of the subject matter of insurance in the following manner:

1.When the insured amount is equal to or higher than the insured value, the compensation shall be calculated according to the actual loss, and the maximum shall not exceed the insured value; 2.When the insured amount is lower than the insured value, the compensation shall be calculated according to the ratio of the insured amount to the insured value multiplied by the actual loss, and the maximum shall not exceed the insured amount;