Charging standard and compensation scope of automobile traffic insurance in 2018
4hw.com.cn: compulsory traffic insurance is a kind of insurance that the state government stipulates that the owner must buy for the motor vehicle, and its price is also regulated by the state. The full name of compulsory traffic insurance is "compulsory liability insurance for motor vehicle traffic accidents". It is a compulsory liability insurance that the insurance company makes compensation within the limit of liability for the casualties and property losses of the victims (excluding the vehicle personnel and the insured) caused by the road traffic accidents of the insured motor vehicle. Compulsory insurance is the first compulsory insurance system in China. The premium is set by the national unified charging standard, but the price of compulsory insurance is different for different car models. The main influencing factor is' number of car seats'.
2018 compulsory insurance charge standard
The cost of compulsory insurance generally ranges from several hundred yuan to one thousand yuan. However, the specific payment depends on your last year's accident situation, not necessarily the decrease, but the increase or decrease depends on the previous year's accident situation and traffic violations. The rate is floating.
The calculation method of the final premium of compulsory insurance is as follows: the final premium of compulsory insurance = the basic premium of compulsory insurance & times; (1 + the floating rate associated with road traffic accidents a).
A1 no responsible road traffic accident occurred in the previous year - 10%
A2 no responsible road traffic accident occurred in the last two years - 20%
A3 no responsible road traffic accident occurred in the last three or more years - 30%
A4. One road traffic accident occurred in the previous year with responsibility and no death involved 0%
A5 two or more responsible road traffic accidents in the previous year 10%
A6 30% of responsible road traffic fatalities in the previous year
What are the scope of compensation for small vehicle traffic insurance
All losses caused to the third party (except for the vehicle and the people on the vehicle), whether or not they are responsible, are covered by compulsory insurance.
In case of liability, the maximum compensation for property loss of the three parties is 2000 yuan, the maximum compensation for medical expenses of the three parties is 10000 yuan, and the maximum compensation for death and disability of the three parties is 110000 yuan. When there is no liability, the maximum compensation for property loss of the three parties is 100 yuan, the maximum compensation for medical expenses of the three parties is 1000 yuan, and the maximum compensation for death and disability of the three parties is 11000 yuan.
Medical expenses include: medical expenses, diagnosis and treatment expenses, hospitalization expenses, hospitalization food subsidies, necessary and reasonable follow-up treatment expenses, cosmetic expenses and nutrition expenses.
The death and disability expenses include: funeral expenses, death compensation expenses, transportation expenses for handling funeral matters, disability compensation, disability auxiliary equipment expenses, nursing expenses, rehabilitation expenses, transportation expenses, living expenses of the dependants, accommodation expenses, work delay expenses, and mental damage consolation expenses caused by judgment or mediation.
When buying commercial insurance, it is suggested to buy commercial three liability insurance, vehicle damage insurance, vehicle personnel liability insurance and no deductible insurance. Three liability insurance is a supplement to compulsory traffic insurance. In case of vehicle damage insurance, this vehicle shall be protected. The personnel insurance on the vehicle shall cover the people on the vehicle. If it is not enough for deductible, you can make full compensation when you are fully responsible.