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. Now let's see what is the compensation scope and what is the price?
What is compulsory traffic insurance? The full name of compulsory traffic insurance is "compulsory liability insurance for motor vehicle traffic accident". It is a compulsory liability insurance that the insurance company compensates for the casualties and property losses of the victims (excluding the vehicle personnel and the insured) caused by the road traffic accident of the insured motor vehicle within the liability limit. 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'.
How much does the car cost to pay for the insurance? It is understood that the same model, the national implementation of a unified price. Both Chery QQ and BMW Benz Porsche Cayenne belong to passenger cars with six seats or less. In the first year, the premium for compulsory insurance is 950, and then it changes according to the above situation. Now that you know the price of the car delivery compulsory insurance, what do you know about the compensation scope of the car delivery compulsory insurance? Let's take a look at it.
For the most common private cars with less than 6 seats, the compulsory traffic insurance for the first year of a new car is 950 yuan. Generally speaking, the cost of compulsory insurance in the first year is fixed. The cost of compulsory insurance for cars with less than 6 seats is 950 yuan. If there is no responsible road traffic accident in the first year, the insurance premium of compulsory traffic insurance can be reduced by 10%; if there is no accident in two consecutive years, it can be reduced by 20%; if there is no accident in three consecutive years or more, it can be reduced by 30%. Therefore, if the owner can drive safely, the cost of compulsory insurance will be greatly reduced in the next year. On the contrary, the rate of compulsory insurance will rise. If there are two responsible road traffic accidents in the last year, the compulsory insurance rate will increase by 10%, and if there is a responsible death accident, it will increase by 30%. The reason why Yu's insurance cost will rise is that he had two accidents in the first year.
Since the second insurance year, the premium price of small car compulsory insurance is a floating price related to the occurrence of road traffic accidents of car owners and whether they have drunk driving records. According to the principle of rewarding the superior and punishing the inferior, if the owner is a civilized driver, who has no responsible road traffic safety accident, and has no driving record after drinking, he can get the preferential payment of compulsory insurance premium; and for the owner who often has accidents, even alcohol driving record, he will find his compulsory insurance premium when he continues to pay compulsory insurance in the second year A lot higher.
The Ministry of public security and the CIRC have issued a notice on the official website, stipulating that the premium for compulsory insurance will increase by 10% - 60% in the next year if the driver drives the verified vehicle after drinking alcohol. According to the standard premium of 950 yuan for ordinary family use 5-seat sedan, if the owner has an illegal act of driving after drinking, the premium of compulsory insurance will rise by 10% - 30% in the next year; if there are more than two illegal records of drunk driving, or serious traffic accidents such as death, the premium will rise by 60% at the maximum limit, reaching 1520 yuan, increasing nearly 600 yuan.
2018 compulsory insurance charge standard
Drunk driving, how much is the next year's renewal of compulsory insurance? The Ministry of public security and the CIRC have issued a notice on the official website, which stipulates that the next year's payment of compulsory insurance will increase by 10% - 60% for the driver driving the verified vehicle after drinking alcohol. According to the standard premium of 950 yuan for ordinary family use 5-seat sedan, if the owner has an illegal act of driving after drinking, the premium of compulsory insurance will rise by 10% - 30% in the next year; if there are more than two illegal records of drunk driving, or serious traffic accidents such as death, the premium will rise by 60% at the maximum limit, reaching 1520 yuan, increasing nearly 600 yuan.
The scope of compensation for car compulsory insurance refers to the scope of compensation for car compulsory insurance, regardless of whether it is responsible for the loss caused to the third party (except for the car and the person on the car).
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.