Compulsory insurance is a kind of insurance that must be purchased in automobile insurance. Do you know what compulsory insurance is? What is the charge standard and compensation scope of compulsory insurance? If you have a car, please come and have a look.
What is compulsory insurance?
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'.
How much does it cost for car delivery?
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. So after knowing 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.
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 good driving record after drinking, he / she can get the discount of compulsory insurance premium; and for the owner who often has accidents or even alcohol driving record, he / she will find his compulsory insurance premium when he / she continues to pay compulsory insurance in the second year A lot more.
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, stipulating that the payment of compulsory insurance will increase by 10% - 60% in the next year for the verified vehicles driven by drivers 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.
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.