According to Article 21 of the Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance, if a road traffic accident of an insured motor vehicle causes personal injury, death or property loss to the victims other than the vehicle personnel and the insured, the insurance company shall make compensation within the limits of the compulsory motor vehicle traffic accident liability insurance according to law. The loss of road traffic accidents is caused by the victim intentionally, and the insurance company will not compensate.
Article 22 Under any of the following circumstances, the insurance company shall pay the rescue expenses in advance within the liability limit of compulsory insurance for motor vehicle traffic accident liability, and shall have the right to recover from the injured person:
(a) the driver has not obtained the driving qualification or is drunk;
(two) the insured motor vehicle was stolen during the accident;
(3) The insured intentionally creates a road traffic accident.
Under any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, causing property losses to the victim, the insurance company shall not be liable for compensation.
First, Insurance is a Chinese word, the pinyin is b m 4 o xi m 4 n, and the English is insurance or insurance, which is meant to be safe and reliable; Later extended into a security mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.
2. Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer assumes the responsibility of compensation for the property losses caused by the possible accidents agreed in the contract, or the insured assumes the responsibility of paying the insurance premium when he dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
1, from an economic point of view, insurance is a financial arrangement for sharing accident losses; From the legal point of view, insurance is a kind of contractual behavior, a contractual arrangement in which one party agrees to compensate the other party for its losses.
2. From a social point of view, insurance is an important part of the social and economic security system and a "delicate stabilizer" for social production and social life. .
3. From the perspective of risk management, insurance is a method of risk management.
Commercial insurance can be roughly divided into: property insurance, personal insurance, liability insurance, credit insurance, subsidized insurance and marine insurance. Large categories are classified according to the scope of insurance coverage, and small categories are classified according to the types of insurance subject matter. According to the insurance coverage, it is divided into: personal insurance, property insurance, liability insurance and credit guarantee insurance. The subject of insurance is the subject of the insurance contract, including only the applicant and the insurer.