As a result, I accidentally hit a car that was about to reverse into the warehouse.
? Pockmarked Wang panicked and drove for several years, but it was a traffic accident or a big girl sitting in a sedan chair-this is the first time, what can I do?
When I bought insurance last year, I didn't have enough money, so I finally bought a strong insurance by scraping together. Did not buy third party liability insurance.
There is only one compulsory insurance, only compulsory insurance! ?
Alas, this is really a leak in the house, and it rains all night, and the ship is caught in the wind later!
How? . .
Another shopkeeper looked at Pockmarked Wang, lazily vomited a bunch of smoke rings in the air and slowly put out the fire.
Throw away your cigarette butts and walk slowly out of the car. . .
Another car owner walked up to Pockmarked Wang, patted Pockmarked Wang on the shoulder with his hand and jokingly said, "Big Brother, that girl was quite hot just now." Then he raised his eyebrows, his mouth slightly tilted, touched his chin with his hand, squeezed out a polite smile and said, "I know, I know, it's delicious."
Pockmarked Wang sighed helplessly: "Alas. . . "
Before coming to the car, they repeatedly checked the loss of the car, and finally determined that the other car had a slight collision and the loss was 1.200 yuan.
Wang Mazi was scolded by the other boss, and he was very angry.
? What's even more annoying is that this 1200 yuan is also a big expense!
What's more. . .
I only have one compulsory insurance. Is it enough? What should I do about it?
Suddenly I thought of the story about compulsory insurance that Bai had told myself before, and my thoughts began to turn back.
It was introduced like this at that time. . .
. . . . . .
From September 19, 2020, after the comprehensive reform of auto insurance, the familiar total liability limit of compulsory insurance increased from122,000 yuan to 200,000 yuan, and the insured money did not increase, but the protection increased.
? Today, we will open the underwear of compulsory insurance and talk about the personal situation of compulsory insurance from three aspects: liability limit/insurance responsibility/growth experience.
It was a stormy night with a strong wind. I saw a flash of lightning across the dark night sky, and a thousand-year-old ginkgo tree with deep leaves was split in half with a bang. It was lightning and thunder, and the sudden rain hit a corner.
Suddenly, a god shone on the earth and a dragon appeared. At this time, wow, I was born, and then. . .
I don't have any Arabic numerals in my heart! Make a good introduction, from
It's no trouble to explain it from three aspects: limitation of liability/insurance liability/growth experience.
People are just brewing emotions and bedding, and I began to enter the text.
1
liability limit
The limitation of liability in the compulsory insurance contract refers to the maximum amount of compensation that the insurer bears for the personal injury and property loss of all victims in each insurance accident when the insured motor vehicle has a traffic accident.
Have the responsibility to pay compensation
Limit of compensation for death and disability: 65,438 yuan+0.8 million yuan.
Compensation limit for medical expenses: 1.8 million yuan.
Limit of compensation for property losses: 2,000 yuan.
No liability compensation
Limit of compensation for death and disability: 65,438 yuan +0.8 million yuan.
Medical expenses compensation limit: 1, 800 yuan RMB.
Limit of compensation for property losses: 100 yuan.
However, what do you mean by this pile of nouns? ?
Next, let's talk about these familiar and unfamiliar words.
translate freely
0 1
Death and disability compensation limit
Refers to the maximum amount of compensation borne by the insurer for the death and disability expenses of all victims in each insured accident when the insured motor vehicle has a traffic accident. Death and disability expenses include funeral expenses, death compensation, transportation expenses incurred by the victim's relatives in handling the funeral, disability compensation, assistive devices, nursing expenses, rehabilitation expenses, transportation expenses, living expenses of the dependents, accommodation expenses, lost time, spiritual damages paid by the insured according to court judgment or mediation, etc.
02
Medical expenses compensation limit
Refers to the maximum amount of compensation borne by the insurer for the medical expenses of all victims of each insured accident when the insured motor vehicle has a traffic accident. Medical expenses include medical expenses, medical expenses, hospitalization expenses, food subsidies for hospitalization, necessary and reasonable follow-up treatment expenses, cosmetic expenses, nutrition expenses, etc.
03
Limit of compensation for property losses
Refers to the insured motor vehicle traffic accident, the insurer for each insurance accident all the victims of the maximum amount of compensation.
2
insured liability
extent of compensation
Within the territory of People's Republic of China (PRC) (excluding Hong Kong, Macao and Taiwan), if the insured has a traffic accident in the process of using the insured motor vehicle, causing personal injury or property loss to the victim, the insured shall be liable for damages according to law, and the insurer shall be responsible for compensation for each accident within the following compensation limits according to the stipulations of the traffic insurance contract.
Victims in compulsory insurance contracts
The victim in the compulsory insurance contract refers to the person who suffers personal injury or property loss due to the traffic accident of the insured motor vehicle, but does not include the personnel on the insured motor vehicle and the insured.
Propulsion and recovery
If the insured motor vehicle is involved in a traffic accident under any of the circumstances (0 1) to (04) of this article, and the victim is injured and needs to be rescued, the insurer shall verify it according to the Guidelines for Clinical Diagnosis and Treatment of Traffic Accident Personnel organized by the competent health department of the State Council and the national basic medical insurance standard after receiving the written notice from the traffic management department of the public security organ and the list of rescue expenses issued by the medical institution.
For the rescue expenses that meet the requirements, the insurer shall pay in advance within the compensation limit of medical expenses. If the insured is not responsible in a traffic accident, the insurer shall pay in advance within the compensation limit for medical expenses without responsibility.
For other losses and expenses, the insurer is not responsible for advance payment and compensation.
0 1
The driver has not obtained the driving qualification.
02
The driver was drunk.
03
The accident occurred during the theft and robbery of the insured motor vehicle.
04
The insured intentionally caused a traffic accident.
The insurer has the right to recover the salvage expenses paid in advance from the injurer.
translate freely
Explain that the rescue expenses in the compulsory insurance contract refer to the medical expenses incurred when the insured motor vehicle has a traffic accident and the victim is injured, and the medical institution takes necessary treatment measures for the victim whose vital signs are unstable and stable but will endanger his life if he does not take treatment measures, or lead to disability, organ dysfunction, or obviously prolong the course of the disease. Refer to the Guidelines for Clinical Diagnosis and Treatment of Trauma in Traffic Accidents organized by the competent health department of the State Council and the national basic medical insurance standard.
three
Growing experience
2006/7/ 1
The Road Traffic Safety Law, which came into effect on May 1 2004, first proposed "to establish a compulsory motor vehicle third-party liability insurance system and a social assistance fund for road traffic accidents". On March 2 1 2006, the State Council promulgated the Regulations on Compulsory Traffic Insurance, and the compulsory third-party liability insurance for motor vehicles was replaced by compulsory traffic insurance. This regulation was implemented on July 1 2006.
0 1
Liability limit of compulsory insurance for motor vehicle traffic accident liability (before February 2008 1)
Motor vehicles bear the responsibility for road traffic accidents?
? Limit of compensation for death and disability: 50,000 yuan
Limit of compensation for medical expenses: 8,000 yuan.
Limit of compensation for property losses: 2,000 yuan.
Motor vehicles are not liable for road traffic accidents?
Limit of compensation for death and disability: 1 10,000 yuan.
Medical expenses compensation limit: 1, 600 yuan RMB.
Limit of compensation for property losses: 400 yuan RMB.
02
Liability limit of compulsory insurance for motor vehicle traffic accident liability (after February 2008 1)
Motor vehicles bear the responsibility for road traffic accidents?
Limit of compensation for death and disability: 1 1 ten thousand yuan.
Medical expenses compensation limit: 1 10,000 yuan.
Limit of compensation for property losses: 2,000 yuan.
Motor vehicles are not liable for road traffic accidents?
Limit of compensation for death and disability: 1 1 1,000 yuan.
Compensation limit for medical expenses: 1 1,000 yuan.
Limit of compensation for property losses: 100 yuan.
03
Liability limit of compulsory insurance for motor vehicle traffic accident liability (after September 2020 19)
Motor vehicles bear the responsibility for road traffic accidents?
Limit of compensation for death and disability: 65,438 yuan+0.8 million yuan.
Compensation limit for medical expenses: 1.8 million yuan.
Limit of compensation for property losses: 2,000 yuan.
Motor vehicles are not liable for road traffic accidents?
Limit of compensation for death and disability: 65,438 yuan +0.8 million yuan.
Medical expenses compensation limit: 1, 800 yuan RMB.
Limit of compensation for property losses: 100 yuan.
Thought of here, pockmarked Wang suddenly understood that 1200 yuan is a piece of cake, and the compulsory insurance is enough.
Thinking of this, I took out my cigarette, lit one calmly, and looked at each other with disdain between my eyebrows.
Can I pay compulsory insurance under any circumstances?
Still. . . Some cases are not compensable?
Can I pay for driving to see beautiful women?
Thought of here, Lao Wang fell into deep thinking. . .
If you have any questions, please correct me and provide your valuable advice.
You are also welcome to share your or your friends' stories, happy or malicious. Maybe your story is an accident that others are experiencing.
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