【Car owner's home car knowledge】Mr. Chen, who lives in District 27, recently increased the coverage of commercial three-part insurance from the original 100,000 yuan to 500,000 yuan when renewing his car. When talking about why the insured amount was increased, Mr. Chen said that some time ago, his friend hit someone by driving, and spent more than 400,000 yuan on various medical expenses and disability expenses, not counting other miscellaneous expenses. The insurance company compensated 200,000 yuan based on the insurance amount of the three parties, and his friend paid for the remaining 200,000 yuan out of his own pocket. My friend’s experience is a lesson from the past, so he wants to spend more money to insure and buy peace of mind.
The reporter learned that the increasingly complex car use environment and the improvement of personal injury compensation standards have led many car owners to consciously increase the insurance amount of commercial three-party insurance, from the previous one with a coverage of 100,000 yuan, and gradually transitioning to the current coverage of 200,000 yuan or 300,000 yuan.
[调查] Car owners' insured amount of 100,000 yuan has been increased to more than 200,000 yuan
Third-party liability insurance refers to the insurance vehicle causing personal injury or direct property losses caused by an accident, and the insurer shall compensate in accordance with the provisions of the insurance contract. According to regulations, the maximum compensation limit for each accident of third-party liability insurance is divided
【Car owner's home car knowledge】Mr. Chen, who lives in District 27, recently increased the coverage of commercial three-part insurance from the original 100,000 yuan to 500,000 yuan when renewing his car. When talking about why the insured amount was increased, Mr. Chen said that some time ago, his friend hit someone by driving, and spent more than 400,000 yuan on various medical expenses and disability expenses, not counting other miscellaneous expenses. The insurance company compensated 200,000 yuan based on the insurance amount of the three parties, and his friend paid for the remaining 200,000 yuan out of his own pocket. My friend’s experience is a lesson from the past, so he wants to spend more money to insure and buy peace of mind.
The reporter learned that the increasingly complex car use environment and the improvement of personal injury compensation standards have led many car owners to consciously increase the insurance amount of commercial three-party insurance, from the previous one with a coverage of 100,000 yuan, and gradually transitioning to the current coverage of 200,000 yuan or 300,000 yuan.
[调查] Car owners' insured amount of 100,000 yuan has been increased to more than 200,000 yuan
Third-party liability insurance refers to the insurance vehicle causing personal injury or direct property losses caused by an accident, and the insurer shall compensate in accordance with the provisions of the insurance contract. According to regulations, the maximum compensation limit for each accident of third-party liability insurance is divided into seven levels: 50,000, 100,000, 150,000, 200,000, 300,000, 500,000, and 1 million yuan.
"At present, the insurance amount of our store customer three-party insurance is mainly 200,000 yuan, accounting for about 80% of all insured customers." Zhai Yaqin, insurance manager of Changan Ford Henan Dongcheng Tiandao Store, told reporters that in the past few years, most of the insurance amount of commercial three-party insurance for customers was still about 100,000 yuan, and it has gradually increased from 200,000 yuan since last year.
Staff from the Auto Insurance Department of Ping An Property Insurance Henan Branch also confirmed to reporters that the insurance amount of car owners' commercial three-party insurance has indeed increased a lot compared with the previous two years. "From the insurance amount of our company's customers, 100,000 yuan was the mainstream in the past few years, but now it has been mainly transitioned to 200,000 or 300,000 yuan, and there are also many customers who choose three-party insurance coverage of more than 500,000 yuan."
It is worth mentioning that since the three-party insurance is a commercial insurance that is not mandatory to purchase, many car owners have not even purchased the insurance, but have only purchased compulsory traffic insurance and are "running naked".
[算账] Insurance of 200,000 yuan may not be enough to compensate
Although many car owners have begun to consciously increase the insurance amount of the three-party insurance, the "mainstream" insurance amount of 200,000 yuan is now a bit insufficient.
Nowadays, more and more high-end cars and luxury cars are running on the road. If you accidentally "encounter" a luxury car with a total of more than one million yuan, the amount of the accident may be relatively high, even exceeding the three-party insurance amount you have insured. In the "Rolls-Royce Sky-Royce Kiss" incident that was hyped last year, an Accord sedan collided with a black Rolls-Royce worth 12 million yuan. The Rolls-Royce was just a little broken on the wheels and the right door was scratched. But the friend of the owner of the luxury car offered a sky-high compensation of 2 million yuan on the spot. After this incident was reported, it attracted great attention from drivers. Although the 4S store has determined the damage and the Accord owner who is fully responsible will only pay 350,000 yuan in repair fees, since the Accord owner only purchased 200,000 yuan in three-part insurance, the insurance company compensated 162,000 yuan, and the Accord owner also needs to pay 188,000 yuan out of his own pocket, which is equivalent to paying a brand new Accord car.
The amount of personal injury compensation caused by traffic accidents has been soaring in recent years, and the amount of personal injury compensation in many cities has soared to more than 500,000 yuan. According to the reporter, the compensation standard for personal injury in traffic accidents in our province is as follows: If a urban resident dies in a traffic accident and the vehicle is fully responsible, the amount of compensation needs to be 20,442 (per capita disposable income in urban areas in our province) × 20 (years) = more than 408,800 yuan, plus funeral expenses of 17,000 yuan, mental comforts, etc., 30,000 to 50,000 yuan, so the total amount of compensation needs to be 450,000 to 480,000 yuan. If you have a rural household registration, the amount of compensation required is 200,000 to 220,000 yuan after calculation based on the standards of per capita disposable income in rural areas. This does not consider other expenses such as the living expenses of the dependent.
[保费] The insurance amount of 200,000 yuan is not much different from 500,000 yuan
So, how much is the difference in the premiums of the three insurances at levels 100,000 yuan, 200,000 yuan and 500,000 yuan?
The reporter learned from an insurance company that the benchmark premium for insurance insurance (including deductibles) for the three-way insurance is 100,000 yuan, 1015 yuan, 200,000 yuan is 1258 yuan, 300,000 yuan is 1421 yuan, 500,000 yuan is 1705 yuan, and 1 million yuan is 2220 yuan. In other words, the premium difference between the three-part insurance with an insured amount of 500,000 yuan and the insurance with an insured amount of 200,000 yuan is only 447 yuan, while the premium difference between the 500,000 yuan and 100,000 yuan is only 690 yuan.
In this regard, lawyer Li Lei from Jinbo Law Firm suggested that the compensation standard for personal injury has been greatly improved compared with previous years. In addition, there are more and more luxury cars on the street, and the insured amount of 100,000 yuan or 200,000 yuan is likely to be insufficient to compensate after an accident. Therefore, it is recommended that novices with insufficient driving experience can set the coverage of commercial three-part insurance at 500,000 yuan.
