An insurance company shall perform the obligation of compensation according to the liability of the insured.
1, is the motor vehicle liable for compensation in road traffic accidents:
The death and disability compensation limit is 1 1000 yuan; Limit of compensation for medical expenses: 1000 yuan; Limit of compensation for property losses: 100 yuan.
2. Liability limit in traffic accidents:
The death and disability compensation limit is 1 1000 yuan; Limit of compensation for medical expenses: 1000 yuan; Limit of compensation for property losses: 2,000 yuan.
Second, the accident insurance compensation project
The compensation items of accident insurance generally include accidental death/disability/burn, accidental injury medical treatment, hospitalization delay allowance, hospitalization nursing allowance and emergency medical rescue. The amount of compensation shall be determined by the insurance company according to the actual situation and the insurance clauses.
Extended data:
Usually includes the following contents:
1. Disability pension. When the insured is disabled due to accidental injury, the insurer shall pay disability insurance money according to the degree of disability. Disability payment is a partial payment, and the maximum is limited to death payment.
2. Death compensation. When the insured suffers accidental injury and causes death, the insurer pays death insurance money. Death compensation is full compensation.
3. medical compensation. When the insured pays medical expenses due to accidental injury, the insurer will pay according to the actual situation. There is a maximum amount of medical compensation, and the medical insurance for accidental injury is generally not covered separately, but as an additional insurance for accidental injury, death and disability.
4. Hospitalization allowance. When the insured temporarily loses the ability to work due to accidental injury, the insurer pays the shutdown insurance money.
Three, Double Indemnity standard of traffic accidents and work-related injuries.
Double indemnity's standard is that if the work injury is caused by the employer, you can't get the double indemnity. If it is caused by a third party, the injured workers can enjoy the treatment of work-related injury insurance according to law.
According to the Regulations on Work-related Injury Insurance and the Interpretation on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases:
1. Chinese enterprises, institutions and individual industrial and commercial households should participate in the overall planning of work-related injury insurance and pay work-related injury insurance premiums for employees.
2. Workers with labor relations who suffer personal injury due to work-related accidents shall claim compensation from work-related injury insurance in accordance with the relevant provisions of the Regulations on Work-related Injury Insurance, and cannot directly file a civil lawsuit for personal injury compensation with the employer.
3. Even if the employer does not establish a work-related injury insurance relationship for the workers, as long as the employer should participate in the overall planning of work-related injury insurance according to law, the Regulations on Work-related Injury Insurance shall be applied for compensation. That is to say, if an enterprise that should be insured fails to pay the insurance premium in violation of the law and an industrial accident occurs, it should also bear the responsibility of paying the corresponding insurance benefits to the injured workers in accordance with the provisions of the Regulations on Industrial Injury Insurance.
4. If the laborer or his near relatives have any objection to the compensation for work-related injury insurance, it is a labor dispute case, not an ordinary civil tort compensation case. They should first apply to the Labor Dispute Arbitration Committee for arbitration, and if they are dissatisfied with the arbitration award, they can bring a lawsuit to the people's court.