"Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance Regulations" stipulates that compulsory traffic accident insurance is for the personal injury, death and property damage of the victim (excluding the vehicle personnel and the insured person) caused by the road traffic accident of the insured motor vehicle, within the limit of liability Compulsory liability insurance to indemnify within. When it comes to the compensation scope of compulsory traffic insurance, car owners should be more concerned about the compensation limit of compulsory traffic insurance. So, how is the compulsory traffic insurance paid? Zhuo Jiehang second-hand car will introduce the compensation limit of the compulsory traffic insurance for you in detail.
At present, compulsory traffic insurance implements a unified liability limit across the country. After a traffic accident occurs, any loss caused to a third party (except the car and the people on the car), regardless of whether it is responsible or not, is covered by the compulsory traffic insurance. The limit of liability is divided into the limit of compensation for death and disability, the limit of compensation for medical expenses, the limit of compensation for property damage, and the limit of compensation for the insured who is not liable in road traffic accidents.
How is the compulsory traffic insurance paid? (1) The limit of compensation for which the insured is responsible: the maximum limit of compensation: 122,000.
1. The limit of compensation for death and disability is 110,000 yuan;
2. The limit of compensation for medical expenses is 10,000 yuan;
3. The limit of compensation for property damage is 2,000 yuan
How is the compulsory traffic insurance paid? (2) The limit of compensation for which the insured is not liable: the maximum limit of compensation: 12,100.
1. The limit of compensation for dea
"Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance Regulations" stipulates that compulsory traffic accident insurance is for the personal injury, death and property damage of the victim (excluding the vehicle personnel and the insured person) caused by the road traffic accident of the insured motor vehicle, within the limit of liability Compulsory liability insurance to indemnify within. When it comes to the compensation scope of compulsory traffic insurance, car owners should be more concerned about the compensation limit of compulsory traffic insurance. So, how is the compulsory traffic insurance paid? Zhuo Jiehang second-hand car will introduce the compensation limit of the compulsory traffic insurance for you in detail.
At present, compulsory traffic insurance implements a unified liability limit across the country. After a traffic accident occurs, any loss caused to a third party (except the car and the people on the car), regardless of whether it is responsible or not, is covered by the compulsory traffic insurance. The limit of liability is divided into the limit of compensation for death and disability, the limit of compensation for medical expenses, the limit of compensation for property damage, and the limit of compensation for the insured who is not liable in road traffic accidents.
How is the compulsory traffic insurance paid? (1) The limit of compensation for which the insured is responsible: the maximum limit of compensation: 122,000.
1. The limit of compensation for death and disability is 110,000 yuan;
2. The limit of compensation for medical expenses is 10,000 yuan;
3. The limit of compensation for property damage is 2,000 yuan
How is the compulsory traffic insurance paid? (2) The limit of compensation for which the insured is not liable: the maximum limit of compensation: 12,100.
1. The limit of compensation for death and disability is 11,000 yuan;
2. The limit of compensation for medical expenses is 1,000 yuan;
3. The limit of compensation for property damage is 100 yuan.
How is the compulsory traffic insurance paid? (3) Detailed explanation of specific expense categories
1. Death and disability compensation items include: funeral expenses, death compensation, transportation expenses for the victim’s relatives handling funeral matters, disability compensation, disability assistive device expenses, nursing expenses, rehabilitation expenses, transportation expenses, living expenses of dependents, Accommodation expenses, lost wages, mental damage compensation borne by the insured according to court judgment or mediation.
2. Medical expenses compensation items include: medical expenses, diagnosis and treatment expenses, hospitalization expenses, hospital food subsidies, necessary and reasonable follow-up treatment expenses, plastic surgery expenses, and nutrition expenses.
3. Compensation items for property damage include: direct loss and indirect loss.
Direct property loss refers to the direct loss of property interests caused by road traffic accidents. It usually includes the loss of vehicles, carry-on property, loss of on-board cargo, on-site rescue, and aftermath treatment.
Indirect property loss refers to the indirect loss of property interests caused by road traffic accidents, usually including outage and other losses. The victim can claim compensation if he can prove that the expected indirect economic benefits have suffered losses.
In addition, when making a claim for compulsory traffic insurance, the insurance company must provide relevant procedures, so you should ensure that the materials are complete, so as not to cause inconvenience to your claim due to loss.
