According to Article 65 of the Insurance Law: "The insurer may directly compensate the third party for the damage caused by the insured under liability insurance in accordance with the provisions of the law or the contract. After the insured of liability insurance causes damage to a third party, and the insured's liability for compensation to the third party is determined, the insurer shall directly compensate the insurance money to the third party at the request of the insured.
Extended data:
The liability limit for each accident shall be determined by the insured and the insurer through negotiation according to the grades of 50,000 yuan, 6,543.8+0,000 yuan, 200,000 yuan, 500,000 yuan, 6,543.8+0,000 yuan and 6,543.8+0,000 yuan when signing the insurance contract, but the maximum shall not exceed 6,543.8+0,000 yuan. The maximum compensation limit of third party liability insurance for each accident should be determined according to different vehicle types. The determination method is as follows:
1. In different regions, the maximum compensation limit for motorcycles and tractors is divided into four grades: 20,000 yuan, 50,000 yuan, 6,543.8+10,000 yuan and 200,000 yuan; The selection principle of the maximum compensation limit for each accident of motorcycles and tractors is different in different regions, which is consistent with the division of the sales areas of fixed insurance policies for motorcycles and tractors in the Regulations on Automobile Insurance Rates.
2. The maximum compensation limit of automobile third party liability insurance other than motorcycles and tractors is divided into six grades: 50,000 yuan, 6.5438+10,000 yuan, 200,000 yuan, 500,000 yuan, 6.5438+10,000 yuan, and 6.5438+10,000 yuan, with the maximum not exceeding 6.5438+10,000 yuan.
3. In case of an insured accident when the main vehicle is connected with the trailer, the insurer shall be liable for compensation within the limit of the main vehicle liability. When an insurance accident occurs, the liability for compensation caused by the trailer should be regarded as the liability for compensation caused by the main vehicle. The sum of the amount of compensation paid by the insurer to the trailer and the main vehicle shall be limited to the compensation limit of the main vehicle.
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