How to compensate for car accident compulsory traffic insurance
In recent years, with the increase in vehicle ownership and frequent traffic accidents, the issue of compulsory traffic insurance claims has become the focus of public attention. Compulsory traffic insurance (compulsory traffic accident liability insurance for motor vehicles) is a compulsory insurance stipulated in our country's laws and is designed to protect the legitimate rights and interests of victims in traffic accidents. This article will introduce in detail the compensation scope, process and precautions of compulsory traffic insurance to help car owners better understand the claims rules.
1. Compensation scope of compulsory traffic insurance
Compulsory traffic insurance mainly provides compensation for personal casualties and property losses in traffic accidents, specifically including the following:
| Compensation items | Limit of compensation | Description |
|---|---|---|
| Death and disability compensation | 180,000 yuan | Including funeral expenses, death compensation, disability compensation, etc. |
| Medical Expense Compensation | 18,000 yuan | Including medical expenses, diagnosis and treatment expenses, hospitalization expenses, etc. |
| property damage compensation | 0.2 million yuan | Including vehicle maintenance costs, property damage, etc. |
It should be noted that the compensation limit of compulsory traffic insurance is calculated item by item, and only the losses of third parties (other than the vehicle personnel and the insured) are compensated.
2. Compulsory traffic insurance claims settlement process
After a traffic accident occurs, the car owner needs to apply for a compulsory traffic insurance claim according to the following steps:
| steps | Specific operations |
|---|---|
| 1. Report a crime | Immediately dial 122 to call the police and notify the insurance company |
| 2. On-site processing | Cooperate with the traffic police investigation and retain on-site evidence |
| 3. Submit materials | Provide accident certificates, medical documents, etc. to insurance companies |
| 4. Loss determination and compensation | The insurance company assesses the loss and determines the amount of compensation |
| 5. Receive compensation | The insurance company pays the compensation to the victim or insured |
3. Things to note when settling compulsory traffic insurance claims
1.Report the case promptly: The accident must be reported to the insurance company within 48 hours after the accident, otherwise it may affect the claim settlement.
2.Keep evidence: Take photos and videos to retain on-site evidence, and properly keep medical bills and other materials.
3.Avoid being private: Accidents involving casualties are not recommended to be kept private and must be handled through formal procedures.
4.Responsibility determination: The accident liability determination letter issued by the traffic police is an important basis for compensation.
4. The difference between compulsory traffic insurance and commercial insurance
| Comparative item | Compulsory traffic insurance | Commercial insurance |
|---|---|---|
| nature | compulsory purchase | voluntary purchase |
| Compensation objects | third party | Can include the vehicle and its occupants |
| Limit of compensation | Sub-item limit (total 200,000) | Pay the full amount insured |
5. Frequently Asked Questions
Q: What should I do if the other party is fully responsible but has not purchased compulsory traffic insurance?
A: You can apply for advance payment from the Road Traffic Accident Social Assistance Fund, or make a claim through legal channels.
Q: Can compulsory traffic insurance cover the damage to my own car?
A: No, compulsory traffic insurance only compensates for third-party losses. You need to purchase car damage insurance to protect your own vehicle.
Q: Does compulsory traffic insurance cover drunk driving accidents?
A: The insurance company will advance the rescue costs within the limit of liability, but has the right to recover compensation from the perpetrator.
From the above analysis, it can be seen that compulsory traffic insurance is the most basic protection in traffic accidents, but the compensation limit is limited. It is recommended that car owners purchase additional commercial third party insurance, car damage insurance, etc. according to the actual situation to obtain more comprehensive protection.
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