Who is "it", why is "it" so effective, and why is "it" so good? Because "it" is a compulsory traffic insurance, a country stipulates that you must take out car insurance every year. Don't want to run on the road without it, you will deduct points if you catch it. Deduction of money and deduction; minor accidents on the road, compulsory traffic insurance is easier and more convenient to solve, and the cost is low.
Everyone who owns a car will insure his car every year to protect himself and others on the road for personal and property safety. There are two types of auto insurance, commercial insurance and compulsory traffic insurance. Commercial insurance decides what you want to invest in, and no one will care if you don't invest. Compulsory traffic insurance is different. Compulsory traffic insurance does not. Many people will take care of you. Not only will the car be in charge, but the car will be deducted and money will be deducted. In some areas, 1 point and 200 yuan will be deducted if the compulsory traffic insurance sign is not pasted in accordance with the regulations.
Why compulsory insuring compulsory traffic insurance
It can be understood like this:
1. There is no way to drive on the road without insurance.
2. The state is used to protect the personal and property losses of traffic accident victims.
3. Reduce the property loss of the insured car owner (pay the victim's property loss and personal injury medical expenses).
4. The number of claims is not limited, and multiple claims can be settled within one year without exceeding the claim amount.
Characteristics and costs of compulsory traffic insurance
Compulsory traffic insurance has obvious characteristics: wide coverage, small exemption scope, unlimited number of claims, no deductibles and deductible rates, and relatively low cost for minor accidents through compulsory traffic insurance.
Compensation costs
Compensation costs: Compensation costs for compulsory traffic insurance total 122,000 yuan, and compensation is divided into responsible and non-responsible.
Disclaimer content
Except for deliberately causing traffic accidents, compulsory traffic insurance cannot refuse compensation in most cases. However, in the following cases, the rescue expenses shall be advanced within the liability limit of compulsory traffic insurance and have the right to recover compensation from the victim:
1. Driving without a license, drunk driving, etc., do not belong to the insured because they do not meet the legal driving conditions;
2. Steal a motor vehicle.
Money saving tips for minor traffic accidents
In the event of a minor accident, many car owners often choose to be private because they are afraid of trouble or feel that it is troublesome to report insurance. In fact, it is very convenient to deal with it quickly, and it can save as little as a few hundred yuan to as much as 2,000 yuan.
If the injury is not serious, paying compensation through compulsory insurance is a better way to save money. As long as there are no more than two ordinary accidents and no one is injured, the compulsory traffic insurance will not rise. This is equivalent to the cost of repairing the car to others, and has not been paid, because no matter what, the annual compulsory insurance costs are to be paid.
How to settle a claim quickly
For some minor accidents, quick settlement of claims is a time-saving and labor-saving thing. Here is how to settle claims quickly.
The basic process of fast handling of traffic accidents
1. After the accident, when you are on your own safety, turn on the double flash to place a warning sign. Ordinary highway warning signs are placed 50 meters behind the accident vehicle, and highway sections are placed 150 meters behind the accident vehicle.
2. After setting up the warning signs, take photos of the accident scene to obtain evidence. Pay attention to the shooting including: scratching parts, panoramic photos including license plates, close-up and far-out photos, location of the line marking and marking of the line accident, traces of the vehicle, the vehicle license plate number of the other party, and the other party's certificate.
3. After taking photos for evidence, transfer the vehicle to a location that does not affect the traffic, call the insurance company to report the case, feedback the details of the accident, and obtain the report number.
4. Fill in the agreement for quick handling of the accident. You can also indicate the accident situation, the information of both parties, and clarify the responsibility for the accident. Finally, the parties involved in the accident can sign on the paper.
5. After completing the quick handling process at the accident site, the parties involved in the accident can go to the designated damage point to determine the damage. After the damage assessment is completed, the vehicle is repaired.
Write at the end
Many people know that compulsory traffic insurance must be insured every year, and many car owners are "worry-free" on the road by only insuring compulsory traffic insurance, but how many people can make good use of compulsory traffic insurance. After the accident, many people think that the problem is not big, and the problem is solved within two or three hundred, and there is no need to take insurance treatment. In fact, most people film the time cost too much. When it is not busy, it is possible to quickly settle claims through compulsory insurance. The cost is lower, and it will only go up by 10% after two insurances (if there is no violation of the law). The 10% fee is 95 yuan. Give the victim the cost of repairing a car within 2,000 yuan. It can be solved without spending more or 95 yuan. Why not do it?
Even if the compulsory traffic insurance is a very practical type of insurance, its biggest role is to protect the loss of the victim caused by the road traffic accident of the motor vehicle. However, even if there is such an insurance underpinning, it cannot be arbitrary. A traffic accident, no matter the size or whoever is responsible, will bring helpless consequences and costs to both parties. Driving safely and reducing traffic accidents is what every driver should do.
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