Car insurance, how much is the third party insurance on the general pickup truck?

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Motor vehicle insurance, also known as car insurance, can be divided into commercial car insurance and compulsory traffic insurance according to whether it is mandatory or not. Let's briefly talk about the premium calculation method of compulsory traffic insurance and the main insurance of the four major commercial auto insurance.

1. Compulsory traffic insurance

The premium of compulsory traffic insurance is set by the state, and the same model is uniformly implemented across the country**. The purpose of the vehicle, the number of seats, and the number of accidents are the main factors affecting the premium of compulsory traffic insurance.

The formula for calculating the insurance premium is: the final premium of the compulsory liability insurance = the basic insurance premium of the compulsory liability insurance (1 floating rate).

2. Commercial auto insurance

(1) Third party liability insurance

The level of third-party liability insurance is not related to the purchase of the vehicleThe car owner only needs to look at the rate list to know the fixed rate, and then multiply it by the discount range of the insurance company to calculate the premium of the third party liability insurance.

The formula for calculating insurance premiums: premium = fixed rate and discount range from the insurance company.

(2) Liability insurance for persons on board

The liability insurance for on-board personnel adopts a fixed premium calculation methodFactors related to the amount of premium are the purpose of the vehicle, the number of seats, and the amount of coverage.

The formula for calculating the insurance premium: Liability insurance premium for occupants on board = insured amount Insurance rate Number of seats.

(3) Vehicle damage insurance

Car damage insurance is mainly based on the purchase price of a new car or the true ** amount of the vehicle at the time of insurance. The main ways to calculate the premium of car damage insurance are as follows.

1.The amount of coverage is determined based on the purchase of a new car**

Car damage insurance cost = base premium + new car purchase price rate.

Generally speaking, the lower the age of the car, the cheaper the base premium, and the number of seats in the vehicle will also affect the level of the base premium, and the more seats, the more the base premium. If you want to know how much the premium is, you can determine the car damage insurance rate table corresponding to the number of seats in the vehicle and the number of years it has been used.

2.Determined based on the actual value of the insured motor vehicle at the time of insurance

Car damage insurance cost = basic premium + (new car purchase price at the time of insurance application - depreciation amount) rate.

The depreciation of the insured vehicle is calculated on a monthly basis, and the part less than one month is not counted.

3.It is determined by negotiation within the purchase price of the new car of the insured motor vehicle at the time of insurance

For the new equipment of the insured motor vehicle, the name and ** table of the equipment should be attached to the insurance contract, and the insured amount can be increased according to the actual value of the equipment.

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(4) Theft and rescue

In the actual insurance process, the insurance company generally determines the theft insurance ** as 20% to 30% of the premium of the car damage insurance. That is, the insurance company directly replaces the insurance amount of theft insurance with the insured amount of car damage insurance.

The formula for calculating the insurance premium:

1.Cost of New Car Theft Insurance = Base Premium + Naked Car** Rate.

2.The cost of used car theft insurance = original car price (1 - depreciation rate) theft insurance rate.

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Hello! Pickup trucks are an important part of the car, and third-party insurance** is based on factors such as the amount of coverage you choose, and it is generally paid according to the rate schedule. In addition, pickup trucks generally belong to 6 or less models, if you are a family, 300,000 insurance amount of 1434 yuan in the first year, if there is no insurance in the second year, the insurance company will give a certain discount, as for the specific amount, you can consult the insurance company.

The car compulsory insurance plus the car and ship usage fee is about 1,400 yuan, and the third party depends on how much to buy, and the insurance of 100,000 is estimated to be about 1,200.

500,000 yuan for 1,800 yuan.

Trucks are divided into operating vehicles and non-operating vehicles, and the approved load weight of general operating vehicles: less than 2 tons (exclusive), 1850 yuan (standard fee) 2 to 5 tons (exclusive): 3070 (standard fee); Non-business trucks 2-5 tons 1,470 yuan.

In addition, the compulsory traffic insurance fee is based on a floating rate system, and the calculation method of the fee = basic premium (1 + floating rate linked to road traffic accidents) (1 + floating rate linked to traffic safety violations).

The premium of commercial third party liability insurance = the base premium multiplied by the applicable coefficient in the corresponding rate coefficient table. Commercial three liability insurance** varies due to different insurance companies and different channels, and the specific amount depends on the corresponding grade of the maximum compensation limit: the premium also changes from low to high.

It shall be negotiated and determined by the policyholder and the insurer at the time of signing the insurance contract according to the grades of 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 and not more than 10 million yuan.

Summary. The specific ** needs to be decided according to the number of seats in the vehicle, for a family car with less than 6 seats, the three-party insurance of 1 million ** is 1905 yuan. However, it should be noted that the ** of the three insurances will often be adjusted, and car owners can consult the insurance company in detail when purchasing car insurance.

In addition, each insurance company has its own ** discount, so car owners can choose the appropriate amount according to their needs for merit-based insurance.

The amount of money for pickup truck third-party insurance of 1 million is 1905 yuan, and the specific ** needs to be decided according to the number of seats in the vehicle, for family cars with less than 6 seats, the three-party insurance of 1 million is 1905 yuan. However, it should be noted that the ** of the three insurances will often be adjusted, and when the car owner buys car insurance, he can consult the insurance company in detail for the specific **. In addition, each insurance company has its own ** discount, so the car owner can choose the appropriate amount according to his needs to choose Zheng Shiyu for insurance.

How much is the truck third party liability insurance needs to be specifically analyzed, the premium of the truck third party is related to the amount of insurance you want to choose, it can be 50,000, 200,000, 300,000, 500,000, 1 million, 2 million, etc., the amount of insurance is not the same, the compensation is different, the premium is not the same, of course, the higher the amount of insurance, the more expensive the premium, the higher the compensation, but the more cost-effective it is for the insured.

According to the provisions of the Motor Vehicle Insurance Provisions, the maximum amount of compensation per accident for third party liability insurance shall be determined according to the choice of different vehicle types:

1. In different regions, the maximum compensation limit for motorcycles and tractors is divided into four grades: 20,000 yuan, 50,000 yuan, 100,000 yuan and 200,000 yuan.

2. The maximum compensation limit for other vehicles is divided into six grades: 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan, and the maximum is not more than 10 million yuan. If the amount of third-party liability insurance purchased is different, ** is also different, generally according to the purchase of insurance amount of 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan not more than 10 million yuan to negotiate and determine.

Precautions for third-party insurance for trucks.

The accident of the insured vehicle during loading and unloading of goods causes personal and property damage to others, which is not a third party liability. However, in the case of not violating the rules, the insured vehicle can be compensated according to the third party's liability if it hits a pedestrian or damages the property of others during the driving process.

There is generally no limit on the liability of third parties for motor vehicle insurance. Usually, in the event of a third-party liability accident, the insurer shall determine the amount of compensation after verification by the insurer in accordance with the regulations of the public security and transportation departments of the place where the accident occurred or the compensation award.

The above content refers to Encyclopedia - On-board Cargo Liability Insurance.

Encyclopedia - Third Party Liability Insurance.

The specific amount of truck third-party liability insurance needs to be specifically analyzed, the premium of the truck third-party is related to the amount of insurance chosen by the party, which can be 50,000, 200,000, etc., the amount of insurance is not the same, the compensation is not the same, the premium is not the same, and the policyholder of life insurance should have insurance interests to the insured when the insurance contract is concluded.

[Legal basis].

Article 17 of the Road Traffic Safety Law stipulates that the State implements a compulsory third-party liability insurance system for motor vehicles and establishes social assistance for road traffic accidents. The specific measures are stipulated by ***. Article 12 of the Insurance Law stipulates that the policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract.

The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event. Life insurance is insurance that takes a person's life and body as the subject of insurance. Property insurance is insurance that takes property and its related interests as the subject matter of insurance.

The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured. Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

It takes 1,700 yuan to buy car insurance third-party insurance: 1. The mainstream insurance amount of third-party liability insurance is 200,000, 500,000, and 1 million.

2. The insured amount of 500,000 yuan needs to pay 1,721 yuan, which is yuan without deductible; The insurance amount of 1 million needs to be buried in 2,242 yuan, not counting the deductible, which means that the difference in money at each stage is about 600 yuan;

3. In addition to the third-party liability insurance, the must-buy insurance for commercial car insurance is car damage insurance, but in the actual purchase, many car owners are unwilling to buy car damage insurance, and they choose to buy three liability insurance, the biggest feature of third-party insurance is that the insurance amount is low, the compensation is high, although the probability of a major accident is relatively small, but once a serious disability accident occurs, 300,000 is easily paid; If you are lucky enough to almost hit a luxury car, the three-liability insurance of 1 million will be of great effect.

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Summary. Dear, I'm glad to answer for you, the price of buying a car insurance third-party insurance is 100,000 yuan for the basic premium of the main insurance of 962 yuan, excluding deductibles; The basic premium of 200,000 yuan is 1,191 yuan, excluding deductibles; The basic premium of 300,000 yuan is 1,346 yuan for the main insurance, excluding the deductible; The basic premium of 500,000 yuan is 1,615 yuan, excluding deductibles.

Dear, I'm glad to answer for you, the price of buying a car insurance third-party insurance is 100,000 yuan for the basic premium of the main insurance of 962 yuan, excluding deductibles; The basic premium of 200,000 yuan of the sum insured is 1,191 yuan for the main old stool insurance, excluding deductible yuan; The basic premium of 300,000 yuan of the insured amount is changed to 1,346 yuan for the main insurance, excluding the deductible; The basic premium of 500,000 yuan is 1,615 yuan, excluding the deductible.

Automobile insurance is a type of commercial insurance shed that refers to the liability for the loss of the human chain or property of the motor vehicle due to natural disasters or accidents. It is a means of transport insurance that takes the motor vehicle itself and its third-party liability as the subject matter of insurance. The auto insurance business is a universal insurance business in the world.

The profit and loss of the auto insurance business affects the economic efficiency of the property insurance industry.