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Charging standard of 2018 auto traffic insurance compensation scope of 2018 Auto Traffic Insurance

Charging standard of 2018 auto traffic insurance compensation scope of 2018 Auto Traffic Insurance

4hw.com.cn: Automobile compulsory insurance is a kind of insurance that the government departments stipulate that motor vehicles must buy. The price is also uniformly stipulated. It is a compulsory insurance system. Do you know the charging standard of 2018 compulsory insurance? What are the compensation scope of automobile compulsory insurance in? Next together.

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 traffic insurance is: the final premium of compulsory traffic insurance = the basic premium of Compulsory Traffic 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 road traffic accident occurred once in the previous year with responsibility not involving death 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.

When there is responsibility, the maximum compensation for the property loss of the three parties is 2000 yuan, the maximum compensation for the medical expenses of the three parties is 10000 yuan, and the maximum compensation for the 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.