【The owner's family car knowledge】There are many types of car insurance and many clauses. Many car owners do not know what the functions of various insurances are and what conditions are applicable. When I applied for compensation after an accident, I was completely dumbfounded in the face of various reasons for refusal. It's true that when the book is used, there is less hatred, and when it is almost used, you will be stupid. This article will use real cases to tell you what is the liability insurance for the personnel on the vehicle.
● What is the liability insurance for persons on board
Vehicle personnel liability insurance is a type of automobile insurance that the insurance company compensates for the injuries and deaths caused by accidents caused by the driving and riding of the car. In other words, when you drive a friend or family member in a traffic accident, the insurance company will compensate for funeral expenses, casualty compensation, medical expenses, and lost work expenses.
For all car owners, there are two things that must be remembered for the liability insurance for the personnel on the car. 1. Personal injuries or deaths suffered by the people on the car while getting
【The owner's family car knowledge】There are many types of car insurance and many clauses. Many car owners do not know what the functions of various insurances are and what conditions are applicable. When I applied for compensation after an accident, I was completely dumbfounded in the face of various reasons for refusal. It's true that when the book is used, there is less hatred, and when it is almost used, you will be stupid. This article will use real cases to tell you what is the liability insurance for the personnel on the vehicle.
● What is the liability insurance for persons on board
Vehicle personnel liability insurance is a type of automobile insurance that the insurance company compensates for the injuries and deaths caused by accidents caused by the driving and riding of the car. In other words, when you drive a friend or family member in a traffic accident, the insurance company will compensate for funeral expenses, casualty compensation, medical expenses, and lost work expenses.
For all car owners, there are two things that must be remembered for the liability insurance for the personnel on the car. 1. Personal injuries or deaths suffered by the people on the car while getting off the car will not be compensated; 2. People outside the insured seat will not be compensated;
● No compensation for injuries when getting out of the car for inspection or tire replacement
In the above case, the reason for the insurance company's refusal to compensate is sufficient. This is because it is clearly stated in the vehicle personnel liability insurance that the personal injury or death suffered by the vehicle personnel while getting off the vehicle is one of the exemption clauses.
● No compensation for deaths and injuries caused by people on board jumping off the car
When watching movies, I often see those action superstars suddenly performing thrilling stunts of jumping and escaping in the drag racing. So what happens when this happens in reality?
In this case, before the vehicle accident, Mr. Wang belonged to the occupant of the vehicle. But when the accident happened, Wang jumped from the car to the bottom of the car and was crushed to death by the car. This was an accident that occurred under the car. At this time, Wang no longer belonged to the person in the car. It is no longer applicable to vehicle personnel insurance.
● People who are stabbed under the car repairing the car will not be compensated
As mentioned earlier, the on-board personnel liability insurance must be in the car to be effective, so the following case is also not within the scope of the on-board personnel insurance claims.
The same is because the people on board got out of the vehicle, so they got out of the scope of compensation for liability insurance for people on board. However, in the end, the insurance company settled the claims according to the third party liability insurance, which was a blessing in the misfortune.
● To be compensated for being thrown out of the car and causing casualties
In the previous case, if the person on the vehicle jumped and escaped, it was not covered by the claim. So if in the course of the accident, the people on the car were thrown out of the car due to the violent rollover of the car, would it be considered as covered by this insurance? The answer is yes. The following is a real case:
● Injury to 3 people in the car, the insurance company only compensates one person
Ms. Zhang bought a new car in March of this year. When buying insurance, she took into account that she usually drives by herself and does not carry people. Therefore, in order to save money, I only bought a passenger liability insurance for one seat. Unexpectedly, a trip with two friends had an accident. All 3 people in the car were injured. Afterwards, the insurance company only compensated Ms. Zhang.
The number of insured seats must be specified when purchasing liability insurance for persons on board. In the event of an insured incident, the insurance company only assumes the responsibility for the number of insured seats. Therefore, in the above case, no matter how many people were injured at the time of the accident, the insurance company only compensates for the loss of one person. The editor recommends that all car owners purchase on-board personnel liability insurance according to the number of seats in the car, and pay a little more to give family and friends who ride in your car an extra protection.
The above cases can be said to be some very unexpected accidents, and there is a basis for insurance companies not to compensate. If you want to protect yourself and the people in the car, it is recommended to purchase personal accident insurance. Then all the accidents that happen to you have a basis for settlement. The following is the difference between onboard personnel liability insurance and personal accident insurance:
| The difference between on-board personnel liability insurance and personal accident insurance |
| Guarantee object |
The person in the seat |
Appoint someone |
| Accident scope |
Accidental injury occurred when using the vehicle. |
All accidental injuries |
| Scope of compensation |
It belongs to the funeral expenses, casualty compensation, medical expenses and lost work expenses that the car owner needs to bear. |
Death, disability and medical expenses, some also include value-added services such as emergency rescue and advance payment. |
| Price level |
The driver's seat is about 40 yuan per 10,000 yuan, and the other seats are about 25 yuan per 10,000 yuan |
About 10 yuan per 10,000 yuan |
Summarize:We cannot control the occurrence of accidents, but we can control the aftermath of accidents, so we have purchased insurance. After the insurance is purchased, it is necessary for the car owner to simply understand the terms of the insurance, because it will help you quickly find an effective way to settle claims after an accident. It is especially important to provide on-board personnel liability insurance to protect themselves and their family and friends in the vehicle.
Related recommended reading:How much do you know about third party liability insurance? Four points of knowledge for car owners https://news.16888.com/a/2014/0210/333268.htmlQuick handling of minor incidents? Six tips for handling accidents quickly https://news.16888.com/a/2014/0210/333341.html
