The full name of compulsory insurance is "motor vehicle traffic accident compulsory liability insurance", which is a kind of compulsory insurance. Compulsory compulsory traffic insurance is common for car owners. In the event of an accident, the injured party will not get any compensation. Compulsory insurance can pay in advance within the limit to reduce the economic burden of the victims.
★ Tips
Compulsory traffic insurance can only compensate the other party in the accident, but it does not include the loss of the owner and the passengers in his car. So you can't pay for your own car repair, nor can you pay for the medical expenses and property losses of the people in your car.
02
Recommend commercial auto insurance
1. car damage insurance: repair the car yourself, and the responsibility for protection is more comprehensive.
Since the comprehensive reform of auto insurance on September 19, 2020, the original protection responsibilities such as theft insurance, glass insurance, spontaneous combustion insurance and water-related insurance have all been merged into car damage insurance, and the exemption agreements such as accident liability exemption rate and inability to find a third party exemption rate, as well as the exemption clauses that easily lead to claims disputes in practice, have also been deleted.
In addition, the natural disaster insurance liability of car damage insurance also increases the earthquake and its secondary disasters. It can be said that after the comprehensive reform of auto insurance, the coverage of car damage insurance has been expanded under the principle of basically not increasing premium expenditure.
★ Give an example
If you have an accident and the windshield and window are broken, you can rely on this insurance to pay for it as long as your car is damaged. Car owners are likely to rub cars when driving everyday. It is also a big expense to repair the car out of your own pocket after it is damaged. If you are a novice driver, driving skills are not skilled, or recommend car damage insurance.
2. Three risks: the compensation for the other party in the accident should be as high as possible.
Three insurances compensate the other party in the accident, whether it is property loss or personal injury, it can be compensated through three insurances. After the comprehensive reform of auto insurance, the limit of three insurances has been raised to 654.38+ 10,000-654.38+100,000 yuan.
Generally speaking, the compensation for major traffic accidents is relatively large, especially the expensive repair cost of luxury cars, which will cause a greater economic burden to the perpetrators. At this time, it is often not enough to rely on the basic protection of compulsory insurance, and the third-party liability insurance of commercial auto insurance is needed as a supplement. Therefore, it is recommended that the owner buy a three-person insurance when the wallet is sufficient, and must choose a high amount.
★ Give an example
A car owner accidentally hit a million luxury cars, causing the luxury cars to be damaged. After investigation, it was finally determined that the car owner was fully responsible and was claimed 800,000 repair fees. However, the owner of A only bought 200,000 three-way insurance, and finally he had to pay for the rest of the repairs out of his own pocket. So there are so many luxury cars on the road, it is necessary to buy a high three-insurance policy.
3. Car personnel insurance: If the compensation is for the people in the car in the accident, the amount should be as high as possible.
If an accident occurs in the use of the insured motor vehicle, causing personal injury or death to the personnel on board, the personnel on board shall be liable for damages according to law.
For small partners who often have colleagues and friends in the car, the on-board personnel liability insurance is responsible for the risk of personal injury and death of drivers and passengers in the car, which is also worth recommending.
★ Give an example
A friend hitchhiked and had an accident, and the two sides went to court. It's just about money. You should learn to pass these risks on to the insurance company, not the driver, so that you can't afford to get hurt.
According to the law, the carrier has the legal obligation to deliver the passengers safely to their destination, whether they are paid or free.
(Source: Photo Network)
03
Other types of commercial auto insurance
1. Double the legal holiday limit.
If an accident within the scope of motor vehicle third-party liability insurance occurs when the insured motor vehicle is used during legal holidays, and it is confirmed by the public security department or the insurer, the liability limit applicable to the insured motor vehicle third-party liability insurance shall be doubled on the basis specified in the insurance policy.
For friends who often use cars on holidays, doubling the legal holiday quota is not expensive, and it can also bring double protection to the three insurances, which is still very cost-effective.
★ For example:
More people go out on holidays, and more road killers. Lao Li is worried about what he should do. To be on the safe side, old Li Can bought an extra double insurance for legal holidays, which is more secure and won't shake his hand when driving.
2, additional medical expenses liability insurance.
For the medical expenses borne by the insured to the third party or passengers in the car in accordance with the laws of People's Republic of China (PRC) (excluding the laws of Hong Kong, Macao and Taiwan), the insurer shall be responsible for compensation for the part that exceeds the clinical diagnosis and treatment guide for road traffic accident victims and the similar medical expenses standard of the national basic medical insurance.
★ For example:
After all, Lao Li accidentally had an accident. Although there are third-party liability insurance and vehicle personnel liability insurance, the compensation for personal injury is based on the medical insurance standard. If the medical expenses are not covered by medical insurance, the insurance will not compensate. In fact, many medical insurances are irresponsible.
3. Additional wheel separate loss insurance
During the use of the insured motor vehicle, due to natural disasters and accidents, no other parts of the insured motor vehicle suffered losses, and only the wheels (including tires, wheels and hubcaps) suffered separate direct losses.
★ For example:
Lao Li raced on the expressway, and one wheel flew alone, but Duff's life stopped safely, with no other losses and no scratches on the chassis. Have you paid the car damage insurance? No compensation!
In case of natural disasters and accidents, if only the wheel is damaged alone, one of the tire, hub and hub cover is damaged alone, and the other parts of the vehicle are not damaged, then the car damage insurance will not be paid. What should Lao Li do? You should buy additional wheel loss insurance in advance, of course, the natural wear and tear of wheels or the theft of wheels will not be compensated.
4. Additional new equipment loss insurance.
Due to an accident within the scope of motor vehicle loss insurance, the newly added equipment on the vehicle is directly damaged.
★ For example:
Lao Li worked hard to move bricks every day, and finally turned over and became rich and sang songs. He not only bought a private car worth 300,000 yuan, but also added a car stereo. When he was listening, there was a bang. Will the car stereo break down? No compensation!
What should Lao Li do? You should buy extra insurance for the loss of new equipment in advance.
5. Additional body scratch loss insurance
During use, the car body has no obvious scratch loss and no obvious collision marks.
★ For example:
Lao Li scraped the pillar next door when reversing in the basement, and the car body was scratched, so he was paid for the car damage. However, Lao Li went out on holiday and there was no collision on the road. He went home happily, but never expected that the paint on the surface of his car was scratched like painting. Do you pay for car damage insurance? No compensation?
What should Lao Li do? You should buy extra insurance against body scratch loss in advance.
6. Compensation insurance for extra expenses during the repair period.
In the event of an accident within the scope of motor vehicle loss insurance, which causes the insured motor vehicle body to be damaged or stopped, the insurer shall, in accordance with the insurance contract, compensate the insured for the expenses during the repair period as a scooter fee or make up for the stop loss within the insured amount.
★ For example:
Lao Li's car has been repaired for a week and can't be shipped. Will Lao Li compensate for the loss of income during the maintenance period? What if Lao Li doesn't pay?
Compensation insurance for extra repair period should be purchased in advance. The number of days insured and the daily compensation amount can be determined through consultation at the time of insurance, and the maximum compensation can be 90 days.
7. Vehicle additional cargo liability insurance
The accident caused direct damage to the goods carried by the insured motor vehicle.
★ For example:
Lao Li drives a big truck to pull bricks for others and turn over the goods. Car damage insurance only compensates for the direct loss of the car. Do you lose the bricks? What if Lao Li doesn't pay? You should buy extra cargo liability insurance in advance.
8. Additional liability insurance for mental damage
In the event of an accident within the scope of insurance liability agreed by the insured main insurance, resulting in personal injury or death to a third party or people on board, the victim requests compensation for mental damage, and the insurer pays the compensation for mental damage already paid by the insured or the insured motor vehicle driver according to the court judgment and insurance contract.
★ For example:
After the traffic accident, the court ruled that Lao Li needed to pay mental consolation money, but the third party liability insurance, vehicle personnel liability insurance and personal injury compensation did not include mental consolation money.
What should Lao Li do? You should buy additional liability insurance for mental damage in advance.
9. Additional special terms of absolute franchise.
If the insured motor vehicle has an insured accident agreed in the main insurance, the insurer shall deduct the deductible agreed in these special terms after calculating the indemnity according to the main insurance agreement.
Insurance is not recommended!
★ For example:
You can choose an insurance company to pay a certain percentage, which can be 5%, 10%, 15% or 20%. At this time, the main insurance claims are discounted in proportion, and the main insurance premium can also be reduced in proportion.
10, additional special terms except engine water damage.
In the process of use, the insurer is not responsible for compensation for direct damage to the engine caused by water entering the engine.
Insurance is not recommended!
★ For example:
Previously, the damage of wading engine was not covered by car damage insurance. Water-related insurance increases liability and insurance premium. Now wading liability is included in car damage insurance. This additional insurance is to reduce liability and insurance premium. If you buy this additional insurance, the insurance premium can be reduced, but if the engine breaks down, the insurance will not pay.
1 1, additional special terms and conditions for value-added services of motor vehicles
It includes four independent special terms: special terms for road rescue service, special terms for vehicle safety inspection, special terms for driving service and special terms for inspection service. The insured may choose to insure all or part of the special terms.