today to tell you about third party liability insurance commercial vehicle insurance and third party liability insurance business, referred to as the three insurance or liability insurance, accident compensation Is simply the loss of third-party insurance thIs insurance Is very important, because the impact of these luxury Cars and pedestrians amount of compensation Is very high, far more than pay high insurance liability limits, so the three to pay high insurance rIsk as the most powerful supplement. Maximum compensation limit per accident
third party liability insurance shall select OK, determined as follows depending on the type of vehicle.
First, in different regions, the maximum for motorcycles, tractors four grades, 2 million, 5 million, 100,000 yuan and 200,000, Moto Car, the maximum compensation limit per accident tractor, because different areas of their choice principle Is different, consIstent with the regulations relating to Automobile insurance rates motorcycles, tractors open policy divIsion sales area, following Guangdong, Fujian, Zhejiang and Jiangsu provinces, municipalities, California, New York, Tianjin, Chongqing, municipalities New York, Xiamen, Ningbo, Qingdao, Dalian, provincial capital cities, capital city of the Autonomous communities belong to a category, select a minimum $ 50,000 in other regions belonging to class b, the lowest select two million.
Second, the maximum for other motor vehicle third party liability insurance in addition to motorcycles, tractors are divided into the following grades, $ 50,000, $ 100,000, $ 150,000 20 million, 30 million, 50 million, 1 million yuan(CNY)(CNY) and 100 million yuan(CNY)(CNY) and up to no more than 1000 million, for example, the following six buses 5 and RMB 100,000 $ 150,000 $ 200,000 30 million, 50 million, $ 1 million and 1 million more than not more than 10 million yuan(CNY)(CNY), etc. grades, for the insured and the insurer when the insured consultations among themselves select OK.
Third, the insurance when the accident occurred when the trailer Is connected to the main Car, the insurance company liable for damages within the limits of liability of the main Car, the occurrence of an insured event, the liability arIsing regarded as the main trailer liability arIsing Car, the insurance company for the amount of compensation and trailer liability and liability of the negative primary Car, the Car to the main limits of liability Is limited.
how to understand above paragraph it? After the trailer Is insured with the main Car seen as a whole, it IsRefers to the main truck and trailer must be insured against third party liability insurance and Is the main vehicle towing a trailer! Regardless of whether the liability Is caused by the trailer, were deemed caused by the main Car, the total liability third party liability insurance has been the main vehicle limited liability limits, the main trailer Car insurance in different insurance companies, after the occurrence of an insured event the insurer should be the main contractor on the insurance company claims the Car, should also provide the main vehicle, trailer their insurance policy, two insurance companies apportion compensation in accordance with the proportion of third party liability insurance premiums on the policy stated charged.
three circumstances under which insurance does not pay it?
First, the insured vehicle resulting in the following personal injury or property damage
A, the casualties life insurance people extremely family members, all or on behalf of loss of possession of the property, which Is the old terms of the notes, the following new clause comment, the insured and their family members, are allowed to drive the insured person and their family members to use all tenants, management, transportation or hosted loss of property, loss of property and thIs Car, allowed the insurer, the insured driver, the vehicle board staff of personal injury or death.
we can see, the new terms in thIs description canceled personal injury or death of their family members, which means parents like their children in a collIsion when reversing, reversing when the husband and wife collIsion their spouse or their parents, brothers and sIsters of the case, the three insurance Is to be paid to the victims of these.
were the subject of another collIsion can be insured dIscretion loss of vehicle insurance, such as A and B two vehicles insured with two men in a unit, but also in financial accounting Is the same accounting unit, two vehicles were insured against third party liability insurance alone, a and B two vehicles collided causing the two vehicles damaged in varying degrees, no compensation insurer, and if a and B are two vehicles insured the same unit, but also in the financial accounting Is the same accounting unit, armored vehicles insured loss of vehicle insurance and third party liability insurance. B single Car insured third party liability insurance, two vehicles A vehicle collIsion loss of $ 10,000, the loss of the vehicle B 5,000, primary responsibility for armored vehicles, bear 70% of the responsibility, to assume responsibility for Car B 30% negative secondary responsibility compensation approach Is the insurer for compensation of loss of vehicle armored vehicles 7,000 yuan, B loss of all Cars and armored vehicles should bear 30% of the financial responsibility should be excludedCompensation.
b, personal injury or damage to property of other persons present on board, all the personnel and property of thIs Car, referring to the moment the accident occurred, all the people on thIs insurance vehicle and property, including thIs time the driver in the Car here, including when the vehicle Is running or the vehicle Is not stable, non-normal people get off, and cranes are lifting property.
Second, following losses and expenses, the insurer pays compensation.
a, insured vehicle accidents, the insured or a third party resulting in the closure suspended, power, water supply, gas stop, stop, communication interruption losses, as well as each other kinds of indirect losses, insurers do not responsible for compensation. In short, how to confirm the direct and indirect losses, insurance companies generally only recognized losses generated when the accident happened, as the losses caused by the three follow-up, insurance companies generally do not recognize, but it Is for personal follow-up treatment costs It Is approved, but only if these medical expenses must be treated the dIsease caused by thIs accident.
b, the spirit of any damage, whether or not the law should be undertaken by the insurer for compensation, the insurance companies are not paid.
Finally, to remind everyone that the three insurance deductible of 20%, provided that full liability to pay, so after three insurance must purchase insurance to buy the three do not count deductible, so each accident liability insurance company in the range of one hundred percent of the debts.