Understand what and how to compensate for compulsory traffic insurance
Mr. 2 was involved in a traffic accident with others while driving a vehicle, and according to the determination of the traffic police department, Mr. 2 was primarily responsible for the accident. Mr. 2 purchased compulsory traffic insurance for the vehicle, so what is the general liability of compulsory traffic insurance in the accident?What is mycoplasma pneumonia The so-called compulsory traffic insurance refers to: compulsory insurance for motor vehicle traffic accident liability. In a motor vehicle traffic accident, the personal injury and property damage caused to a third party other than the vehicle personnel and the insured belong to the scope of compensation for compulsory traffic insurance, and the compulsory traffic insurance implements unified insurance terms and basic insurance rates. Attention should be paid to:Compulsory traffic insurance compensates for the loss of "third parties" other than the personnel and the insured (referring to the insured and the legal driver allowed by the policyholder), that is, the person and the insured of the vehicle, whether it is personal injury or property loss.
The scope of specific compensationCompulsory traffic insurance compensation is generally divided into three parts: death and disability expenses, medical expenses, and property damage expenses. Among them, death and disability expenses include nursing expenses, lost work expenses, disability compensation, death compensation, funeral expenses, living expenses of dependents, solatium for mental damages, medical assistive devices, and transportation expenses. Medical expenses include medical expenses, hospital meal subsidies, nutrition expenses, and follow-up expenses. Property damage expenses protect third party property damage caused by traffic accidents.
Limits of compensation:The liability limits for compulsory traffic insurance claims are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured's lack of liability in road traffic accidents. The limit of compensation for death and disability is $180,000, the limit for medical expenses is $18,000, and the limit for property damage is $2,000. If the motor vehicle party is found to be the non-responsible party, the compensation limit for non-liability under the compulsory traffic insurance is 18,000 yuan for death and disability expenses, 1,800 yuan for medical expenses, and 100 yuan for property damage.
Order of compensation:If the damage caused by a traffic accident of a motor vehicle is the responsibility of the motor vehicle, the insurer underwriting the compulsory traffic insurance shall first compensate within the liability limit of the compulsory traffic insurance;The shortfall shall be compensated by the insurer underwriting the commercial motor vehicle insurance in accordance with the provisions of the insurance contractIf it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.
Disclaimer:
1. If the loss of a motor vehicle traffic accident is intentionally caused by the victim, the insurance company that underwrites the compulsory traffic insurance does not need to compensate.
2. The driver has not obtained the driving qualification or has not obtained the corresponding driving qualification, is drunk, takes the national controlled psychotropic drugs or high-quality products and drives a motor vehicle after driving a traffic accident, the insured and the driver intentionally cause a traffic accident, and the insured motor vehicle is stolen and robbed during the accidentThe insurance company that underwrites the compulsory liability insurance is only required to compensate the victim for personal injury.
3. The motor vehicle is modified during the validity period of the compulsory traffic insurance contract, and the nature of use is changed, resulting in an increase in the degree of danger, after a traffic accidentInsurance companies that underwrite compulsory liability insurance are not exempt from compensation
4. The driver of the motor vehicle escapes after a traffic accidentThe insurance company that underwrites the compulsory liability insurance cannot deduct the deductible
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