What coverage is included in the full coverage and how much can be paid

Car insurance is mainly divided into: compulsory traffic insurance (mandatory purchase) and commercial insurance (voluntary purchase).

1.Compulsory liability insurance compensation is within the limit.

2.The compensation of commercial insurance depends on the insured amount and is compensated within the insured amount.

Compulsory traffic insurance includes: the liability limit of compulsory insurance for motor vehicle traffic accident liability.

1. The limit of compensation for the liability of the motor vehicle in a road traffic accident.

1.Death & Disability Compensation Limit: RMB 110,000.

2.Medical expenses compensation limit: RMB 10,000.

3.Compensation limit for property damage: RMB 2,000.

2. The limit of compensation for the non-liability of motor vehicles in road traffic accidents.

1.Death & Disability Compensation Limit: RMB 11,000.

2.Medical Expenses Compensation Limit: RMB 1,000.

3.Property damage compensation limit: 100 RMB.

Commercial insurance generally includes:

Vehicle damage insurance.

Third Party Liability Insurance.

Theft and theft. Liability insurance for people on board.

Scratch loss insurance for the body.

Glass breakage insurance alone.

Spontaneous combustion loss insurance.

Wading insurance (engine damage insurance).

Designated special insurance.

Car full insurance: two categories include compulsory traffic insurance and commercial insurance! Compulsory traffic insurance is a must, commercial insurance refers to: third party insurance, theft insurance, car damage insurance, glass insurance, scratch insurance, driver and passenger insurance! The amount of compensation varies depending on the degree of car insurance!

Summary. The latest standard of compulsory traffic insurance compensation in 2022: 1. Death and disability compensation, under the premise that the motor vehicle is responsible for the traffic accident, the maximum limit of death and disability compensation is 180,000 yuan, and the maximum limit of compensation in the case of no liability is 10,000 yuan.

2. Compensation for medical expenses, if the insured motor vehicle is responsible for a traffic accident, then the maximum limit of compensation for medical expenses is 10,000 yuan, and the maximum limit of compensation for medical expenses is 1,800 yuan if there is no liability. 3. Compensation for property damage, under the premise that the insured motor vehicle is responsible for the accident, the maximum compensation limit for property loss is 2,000 yuan. If there is no liability, then the maximum limit of compensation is 100 yuan.

Hello, if there is only compulsory traffic insurance, the maximum compensation for an accident is 200,000.

The latest standard for compensation of compulsory traffic insurance in 2022: 1. Death and disability compensation, under the premise that the motor vehicle is responsible for the traffic accident, the maximum limit of death and disability compensation is 180,000 yuan, and the maximum limit of compensation in the case of no liability is 10,000 yuan. 2. Compensation for medical expenses, if the insured motor vehicle is responsible for the traffic accident, the maximum limit of compensation for medical expenses is 10,000 yuan, and the maximum limit of compensation for medical expenses is 1,800 yuan in the case of no liability.

3. Compensation for property damage, under the premise that the insured motor vehicle has the responsibility for disorder in the accident, the maximum compensation limit for property loss is 2,000 yuan. If there is no liability, then the maximum limit of compensation is 100 yuan.

Summary. The maximum compensation for an accident is 180,000 yuan. Under the premise that the motor vehicle is liable in the traffic accident, the maximum limit of compensation for death and disability is 180,000 yuan, and the maximum limit of compensation in the case of no liability is 10,000 yuan.

The maximum compensation for an accident is 180,000 yuan. Under the premise that the motor vehicle is responsible for the accident in the accident, the maximum limit of compensation for death and disability is 180,000 yuan, and the maximum limit of compensation for no liability is 10,000 yuan.

Compensation for medical expenses, if the insured motor vehicle is responsible for the traffic accident, then the maximum limit of compensation for medical expenses is 10,000 yuan, and the maximum limit of compensation for medical expenses is 1,800 yuan in the case of no liability.

Under the premise that the insured motor vehicle is responsible for the accident, the maximum amount of compensation for property loss is 2,000 yuan. If it is the premise of no liability, then the maximum amount of compensation is 100

Summary. Hello dear! We are answering for you that there are many claims for Centennial Life Fixed-benefit Insurance.

The insurance liability includes death benefit and total disability benefit, both of which are paid at 100% of the basic sum insured, and the high sum insured is 1.5 million. Insurance is a protection, there are many types of insurance, the insurance with the death of the insured as the condition for the payment of insurance benefits belongs to life insurance, or critical illness insurance with death protection, annuity insurance, the amount of compensation is subject to the contract, usually the higher the premium, the higher the insured amount.

Hello dear! We are answering for you that there are many claims for Centennial Life Fixed-benefit Insurance. The insurance liability includes death benefit and total disability benefit, both of which are paid at 100% of the basic sum insured, and the high sum insured is 1.5 million.

Insurance is a protection, there are many types of insurance, the insurance with the death of the insured as the condition for the payment of insurance benefits belongs to life insurance, or critical illness insurance with death protection, annuity insurance, the amount of compensation is subject to the contract, usually the higher the premium, the higher the insured amount.

When the insured makes a claim, he or she shall provide the insurer with: an insurance policy; Valid SFZ of the insured and the third party, the driving license of the insured vehicle, and the driver's driving license; Traffic accident liability determination issued by the traffic management department of the public security organ or relevant legal documents and other certificates issued by the court and other institutions; Proof of the extent of property damage or personal disability of the third party, as well as a list of relevant losses and expense documents; If the insured chooses to handle a traffic accident through negotiation on its own in accordance with the relevant laws and regulations, it shall provide a record of the traffic accident in accordance with the provisions of the Provisions on Procedures for Handling Traffic Accidents.

All risks include: compulsory traffic insurance + car damage insurance + third party liability insurance + deductible + vehicle personnel insurance, a total of five types, as follows:

1. Compulsory traffic insurance.

It is compulsory insurance for motor vehicle traffic accident liability, and the state compels all vehicles to purchase, mainly for the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by the road traffic accident of the insured motor vehicle, and the insurance is paid within the responsibility.

2. Car damage insurance.

It refers to the insurance that compensates the insured and the permitted driver for damage to the insured vehicle caused by an insured accident.

3. Third party liability insurance.

Refers to the insurance that pays for the direct loss of personal life or property suffered by a third party due to an accident of a qualified driver.

4. Deductible insurance is not included.

It is a kind of additional insurance, and its insurance liability usually refers to "after special agreement", after the occurrence of an accident, the deductible calculation is calculated according to the terms of the main insurance, and the insurance company pays within the liability limit.

5. Personnel insurance on the vehicle.

That is, the insurance that pays for the people on the bus.

Test your anti-risk index, experts will interpret it for you for free!

The all-risk benefit cost includes the cost of the basic insurance and the rider insurance.

1. Basic insurance compensation costs: vehicle loss insurance, third-party liability insurance, vehicle theft insurance and vehicle personnel liability insurance. Among them, vehicle damage insurance is used to protect the insured or its permitted driver from the loss of damage to the insured vehicle caused by an insured accident while driving the insured vehicle; The third party liability insurance is used to compensate for the direct damage to the person** or property of the third party due to the accident; The insurance liability of theft insurance is for the loss of the vehicle caused by the theft, robbery and robbery of the whole vehicle, as well as the reasonable expenses for repairing the damage caused by the theft, robbery or robbery or the loss of parts and accessories on the vehicle; The on-board personnel liability insurance is responsible for compensating the personnel of the vehicle caused by the traffic accident of the insured vehicle**.

2. Additional insurance compensation costs: glass breakage insurance, body scratch loss insurance, and deductible liability insurance and other expenses. The glass breakage insurance is responsible for compensating for the loss of the glass of the vehicle that is broken separately during the use of the insured vehicle; The protection liability of the body scratch loss insurance is "artificial scratches on the body of the insured vehicle caused by the malicious behavior of others"; On the other hand, car owners who have purchased insurance without deductible liability can transfer 5% to 20% of the liability that should have been borne by themselves to the insurance company.

According to the above description of the accident, basically the compulsory traffic insurance and the commercial insurance plus the deductible can fully cover the liability of the required liability, except for the scope of claims that are not supported by the law (such as mediation and negotiation) need to be borne by you, there is no other additional liability that you need to bear.

The amount of compulsory traffic insurance is 2,000 yuan for property loss and 10,000 yuan for personal injury, which requires the responsible party to pay in full, and the compensation for excess and insufficient is borne according to the proportion of responsibility, and the proportion of your responsibility can be paid by the commercial third party insurance. At the moment, it seems that you basically don't have to pay any costs out of your own.

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

The compulsory traffic insurance can compensate up to 110,000 + 10,000 + 2 thousand, and the third-party liability insurance can pay up to 200,000 yuan, with a total of 322,000 yuan. As long as there is liability (secondary liability, joint liability, primary liability, and full liability), the amount of compensation in the compulsory three liability insurance is the same, because the compulsory three liability insurance is only divided into liability and non-liability. The compensation limit for the compulsory three-liability insurance is 110,000 yuan for death and disability, 10,000 yuan for medical expenses, and 2,000 yuan for property damage.

In excess of the part that both parties should bear by the compulsory Changzhi three liability insurance, you and the other party shall bear the loss in proportion to the liability.