A, multiple choice

1 according to the motor vehicle insurance the main clauses of the company to implement the provisions of, for the following reasons ( ) vehicle losses, generally do not bear the obligation of reparation.

Nuclear radiation A. nuclear reaction, nuclear pollution

B. rim damage alone

C. impairment loss

D. the above answers are correct

2, which of the following is a non operating car damage insurance liability exemption: ()

     A, fire    B, spontaneous combustion,  C, earthquake    D, lightning

3 car insurance is one of the elements of insurance contract. Include.) content.

A. insured, the insured and the driver situation  B. automobile insurance situation  C. insurance and deadlines, special agreement  D. has the right answer

4 about car insurance claims are correct (description  ).

A. auto insurance claim insurance companies say

B. auto insurance refers to insurance car in the risk of accidents, the insurer on the basis of the agreement of the contract of insurance of the insured claims processing behavior  

C. auto insurance claims related to the rights and obligations of both parties of insurance contract, is an important content of the insurance business  

D. in recent years, due to the structural performance of modern automobile is becoming more rational, the proportion of traffic accidents caused by the vehicle itself reason showing a downward trend, caused by human factors accidents are increasing rapidly. This change has increased the difficulty of automobile insurance claims

5, the principle of insurance claims, "fair and reasonable" principle refers to the insurer shall do in claims ( ).

A. active, rapid, accurate, reasonable  B. heavy contract, keeping promises C. seek truth from factsD. accurately and timely

Automobile insurance (in 7  ).

A. insured and the insured name must be the same B. insurance is not correct

C. the applicant has insurable interest in the subject-matter insured must be  D. insured and the insured units, fill in name abbreviation  

8 in the automobile insurance claims, including principles ( ).

A. heavy contract, keep credit principle  B. adhere to the principle of seek truth from facts  C. as little as possible to compensate for the losses D active, rapid, accurate, reasonable principle  

9 according to the motor vehicle insurance the main clauses of the company to implement the provisions of, for the following reasons (  ) vehicle losses, generally do not bear the obligation of reparation.

A. violates the "Regulations" the road traffic management related motor vehicle loading provisions

The corrosion of B. by the vehicle cargo

Nuclear radiation C. nuclear reaction, nuclear pollution

D. impairment loss

Including 10 car insurance general provisions in case (single car  ).

A. number, label type, engine number, chassis number, VIN code

B. vehicle type, vehicle seat / tonnage, color, initial registration date

Using the properties of C. vehicle and driving area

All of above D.

The vehicle damage insurance in accordance with the (11  Methods to determine insurance amount).

A. new car purchase price  The practical value of B.  C. negotiated price  D. above all wrong

12 the relevant insurance underwriting exposition is correct ( ).

A. insurance underwriting refers to the insurer of risk identification, assessment, pricing, and confirm the policy conditions, a kind of behavior to choose insured underwriting

B. underwriting aims to develop a profit and maintain insurance business

C. is an important part of the business of underwriting quality assurance insurance company insurance business process

All of above D.

13 customers were reported after the accident the way (  ).

A. the door  B. phone  C. fax report  All of above D.

The general situation of property loss 14 in traffic accidents (only including  ).

The direct loss of A. vehicles, property;

B. spot rescue casualties aftermath disposal costs;

C. shutdown, closure property of indirect loss caused by.

D. parking fees, fines

15 insured commercial third party liability insurance vehicle when reversing the car owners will break her contract factory, (  ) belongs to the responsibility of insurance.

A. must be  B. is not  C. does not necessarily  D. should be a concrete analysis of concrete conditions

16, to pay the insured vehicle following (strong insuranceTraffic accident), cross strong insurance is not responsible for compensation.

A, caused by overloading the accident  B C, the victim intentionally, drunk driving  D, the insurance accident happens in the vehicle after the escape

17, ( ) on the insurance has no insurable interest in the subject-matter, the insurance contract shall be invalid.

A, the insuredB, the beneficiary  C D, the insurer, the insured

18, the storm blew down the wire rod close to the warehouse, so that the wire rod short circuit caused by sparks, ignited the house, causing inventory property loss. According to the principle of proximate cause, proximate cause is (loss of property )

The collapse of A, wire rod  B, short circuit  C, the storm   D, the house is on fire

19, belonging to the vehicle damage insurance liability insurance coverage is ()

A, occurs only tire, rim, wheel cover separately, tire, rim damaged B, hub cover arbitrary two joint damage C, tire, wheel rim, wheel cover three of common damage to the D, the answers are not right

20, the following does not belong to the family car insurance responsibility range is ( )

A, storm, tornado;  B, external object falling, falling; C, fire, explosion; D, unexplained spontaneous combustion and fire losses

21 about vehicle damage description is correct (  ).

A. repair is limited to the vehicle damage caused by the accident  

B. can repair parts, repaired as far as possible, do not replace the new parts at random  

The indirect costs of C. caused the accident

D. to accurately determine the man hour cost

22, the insurer after receiving the report () hours without investigation and not to accept the advice, causing the loss of property could not be determined, damage, loss, accident certificate photos list and repair invoices as compensation adjustment according to provide the insured property.

A, 24  B, 36  C, 48   D, 72

23, the liability exemption refers to the insurer in accordance with the provisions of the law or contract, does not assume insurance responsibility, the insurance liability ()

A, B, defines the limit  C, determine D, expand

24, in the commercial third party liability insurance, the maximum amount each accident insurance liability (called   )

A. insurance amount B. liability insurance The C. limit of indemnity D. liability

25, motor vehicle insurance contract ( Form

    A, the insurance clauses, insurance policy   B, the insurance clauses, insurance policyC, insurance, insurance, insurance policy, a single batch   D, the insurance clause insurance policy. endorsement and special agreement

26 according to the motor vehicle insurance the main clauses of the company to implement the provisions of, for the following reasons () vehicle losses, generally do not bear the obligation of reparation.

A. earthquake  B. impairment loss  C. rim damage alone  D. robbery and steal

27 the following business need to revise procedures is (  ).

A. insurance vehicle during the period of insurance as a gift  B. change the use of the  C. adjust the amount of insurance  D. vehicle vehicle insurance business during the period of insurance

28 car insurance insurance liability is (  ).

A. responsible for compensation due to quality of the automobile caused the loss of vehicle

B. responsible for compensation because of quality of the automobile caused third loss

C. is responsible for the compensation insurance car owner or driver for driving the automobile insurance traffic accidents caused by loss of vehicles

D. the above answers are correct

29 in the insurance claims process should be guided by the principle of ( ).

A. allocation principle  B. subrogation  C. subrogation  D. the principle of proximate cause

30 China's current management mode in auto insurance rates for (  ).

A. completely from the vehicle rate model  B. completely from the rate model  The C. model from the car and the combination of rate  D. from the car to and from the combination of people, and consider the human factor very detailed rate model

Is not the right 31, damage repair (general principles )

A, which does not affect the use of performance and not to affect the appearance quality, and the use of simple technology can be recovered, to repair.

B, more than two types of repair the technical level of enterprises cannot be repaired or can not guarantee the quality after repair should be replaced in the process.

C, when parts repair costs more than or equal to the cost of replacement parts should be replaced.

D, replacement parts specifications can be higher than the original car accident insurance before assembly brand, specifications.

32, the accident vehicle basic requirements pictures   shooting) can reflect the vehicle.

  A , 30 B, 40 C , 45 D, 60

33, the current vehicle pilfer rush to deal with an emergency clause, the insured motor vehicle theft, robbery, snatch after be or get out of danger at or above the county level public security criminal investigation departments registration certificate, full () not found the whereabouts of the whole car loss.

   A, 30 days  B, 45 days  C, 60 days   D, 90 days

In 34 auto insurance claims (meaning  ).

A. claims that the basic functions of auto insurance has been implemented  

B. claims to recover the insured's production, the life stability  

C. claims can be found and inspection car insurance work  

D. claims to obtain improper benefits

 35, in the automobile brake system failure caused the accident caused a fatal car crash event, is the risk factor is ( ).                                            

A, brake failure  B, a car accident C, the vehicle damage D, casualties

 

 The scope of the 36, equity transfer principle is ( )

A, a property insurance contract  B, a life insurance contract

C, the life insurance contract  D, accidental injury insurance contract

 37, in the vehicle damage insurance in the actual value of the insured, the insurance vehicle is a new car purchase price minus the depreciation price, according to the provisions of the motor vehicle insurance clauses, generally about depreciation limit is ( ).

The highest A depreciation does not exceed the amount insured new car to purchase price of 30%

The highest B depreciation does not exceed the amount insured new car to purchase price of 50%

The highest C depreciation does not exceed the amount insured new car to purchase price of 80%

The highest D depreciation amount does not exceed 100% of the insured car purchase price

38, drunk driving standard refers to the blood alcohol concentration (100ml   )

 A, less than 80mg    B, more than 20mg      C, more than 60mg

 D, less than 60mg    E, less than 80mg is greater than or equal to 20mg

Under relevant provisions of 39, motor vehicle insurance, the car hit the loss of cargo, which belongs to the ( ) responsibility.

Underwriting A: vehicle third party liability exemption B: vehicle third party liability

C: car loss danger from D: vehicle damage insurance underwriting

40, a world of snow, a pedestrian was A, B two car crash death, after the traffic police investigation, the accident was due to the A driver caused by drunk driving. Is the proximate cause is a pedestrian deaths (  ).

A. snow B. drunk driving

C. A D. B vehicle collision impact

41, in the motor vehicle insurance, for the () loss of vehicle insurance, third party liability insurance and other insurance accident of motor vehicles occurred for the cause of the compensation, in accordance with the deductible amount according to assume responsibility for compensation within the limit prescribed, the insurer is responsible for compensation. 　

A, vehicle liability insurance, no fault liability insurance B

C, the vehicle to stop loss insurance D, irrespective of percentage of special risks

42, the insured motor vehicle insurance additional () motor vehicle insurance in the use process, the car is broken glass alone, according to the actual loss compensation insurance.

A, vehicle cargo liability insurance B, breakage of glass

C, the vehicle to stop loss insurance D, new equipment increased risk of loss

43, to pay the insured vehicle following (strong insuranceTraffic accident), cross strong insurance is not responsible for compensation.

A. caused by overloading the accident               

B. insurance accident happens in the vehicle before all the people have changed, and not before the accident to the insurance company

C. insurance accident happens in the vehicle after the escape

D. above is incorrect

44, Lee insured insurance amount to 200000 yuan of motor vehicle insurance vehicle damage insurance. All the losses caused by vehicle insurance in the insurance period a Lee unilateral accident. The actual value at the time of the accident vehicle is 150000 yuan. If no salvage value, the insurer shall be the amount of compensation is (  ).

A. $102000 B. $127500C. $136000 D. $162300

 

45, Zhang insurance compensation limit for 200000 yuan of the motor vehicle third party liability insurance. During the period of insurance, the insurance vehicle hit a pedestrian, the pedestrian has become a vegetable, Zhang take compensation Liability Insurance Company paid 150000 yuan. Soon after, Zhang drove and crashed into a telephone booth, take full responsibility of vehicle insurance, compensation for loss of 100000 yuan of telephone booth. If the different responsibility deductible franchise is respectively 20%, 15%, 10%, 5%, for the accident insurance should be compensation ( ).

A.0 million                B.5 million

C.8 million              D.10 million

46 motor vehicle insurance claims should be resolutely implement (The character of the claims principle).

A, active, fast, accurate, reasonable

B, active, fast, accurate, reasonable

C, active, high speed, accurate, legitimate

D, active, fast, accurate, legitimate

47, the insured or the insured motor vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, on the basis of motor vehicle insurance current (main risks) clauses, accident liability ratio mainly responsible for (Fang Cheng ).

A, 60%  B, 70%  C, 80%  D, can be determined in consultation, 60%, 70%, 80% may

48, are the following losses and costs of vehicle insurance, the insurer shall not be liable for. ( )

A, fault B, overturning C, landslideD, riots

3, the loss of broken glass separate insurance. (  )

A, front and rear windshield glass B, the skylight glass About C, window glassD, the above answers are correct

49, all accidents will be out of existence, according to the actual situation, generally divided into (  ).

The original A. site B. changes the scene C. recovery site The D. second site

50, vehicle damage should pay attention to the difference between the accident and non accident caused by the loss, the general can be judged according to the accident site traces, below is correct (  )

The collision site A. of the accident, the general off patent.

The collision site B. of the accident, general metal marking new.

The collision site C. of the accident, the general has oil.

The collision site D. of the accident, general rust. _

51, the applicant may terminate the compulsory motor vehicle traffic accident liability insurance contract, except for any of the following circumstances: (     )           

A. the insured motor vehicle is in accordance with the cancellation of registration      B. the insured motor vehicle shall stop

C. the insured motor vehicle by public security authorities confirmed loss  D. motor vehicle accident

52, the following losses and expenses, cross strong insurance is not responsible for compensation and pay to have: (    )

   A, intentionally caused by the victim of the traffic accident loss

    B, the insured property and the insured motor vehicle property loss

   C, insured motor vehicle traffic accidents, resulting in the victim closure, suspended, power, water, gas stop, stop, communication or network outages, data loss, voltage change caused by the loss of property and the victim due to market price changes caused by the depreciation, repair because the value loss and other indirect losses;

    D, caused by traffic accident arbitration or litigation expenses and other related expenses.

53, which belongs to the spontaneous combustion risk of loss of liability exemption (  )

    A, the insured vehicle in use process, because of violation of the rules of safe operation of the vehicle artificial direct supply, high temperature baking losses

    B, due to spontaneous combustion caused only circuit, circuit, fuel supply system loss   All C car, carrying goods caused by self ignition burned   D, the insurer is intentional acts or violations caused the loss of vehicle insurance

54, the following a car accident surveying points, the error is (   )

A, the first field is a field survey to simulate a few photos, accident is consistent and has nothing to do with me.

B, the old thing anyway, recovery, many change some parts does not matter.

C, 4S shop repair list certainly no problem, copy on the line.

D, I can add significant loss, loss of vehicles can edge trimming set.

56, the loss of broken glass separate insurance. (   )

A, front and rear windshield glass       B, the skylight glass

About C, window glass        D, reversing the lens

Basic function, insurance (57)

   A, loss prevention           B, compensation for loss

   C, the payment of the insurance benefits         D, the insurance investment

The insurance amount of 58, the vehicle damage insurance, usually by ( )

   A, the new car purchase price          B, the actual value

   C, the insurance parties through negotiation  D out of the prevailing market price

Two, to fill in the blanks

1, a car only in our company for insurance to pay strong, March 5, 2008, the car and the B, C vehicle collision accidents, causing a loss of 3000 yuan, car B car loss 7000 yuan, C car nondestructive. The traffic police to deal with, a car full responsibility in the accident, ethylene, propylene car without responsibility. According to them, the B car insurance to pay strong delinking insurance, car insurance to pay strong C in the days of the insurance companies, according to the cross strong insurance practice, our company should compensate for a car (  ). No duty generation paid is done in the duty of your car insurance.

2, have claims by case, can can (  Link (launched) The task of loss revision).

3, pending claims is not a report (()) case.

4, the rescue vehicle damage insurance vehicle road accident losses and expenses in hauling, if the rescue vehicle is insured themselves or others sent rescue duty, (  ), if the rescue vehicles are paid services, then ( ).

5, because of the insurance accident damage to the third party property, should try to repair. Repair of the insured person shall, jointly with the insurer examination, consultation project, and cost of the repairs. Otherwise, the insurer has the right to ( ); can not be re approved, the insurer has the right to (   ).

Accident insurance used to connect 6, the main vehicle and the trailer, third party liability insurance compensation amount to ().

7, cross strong insurance contract in the victim is a result of the insured motor vehicle traffic accidents suffered casualties or property losses, but does not include the insured motor vehicle ( (,)  ).

8, the family car insurance clause insurance, travel accident insurance in terms of area, travel outside the region, increase the franchise ( ).

The insurance amount of 9, the vehicle damage insurance, usually by the insured of the insured motor vehicle ( (when), according to the insurance of the insured motor vehicle ( ), motor vehicle insurance in the insured's (  ), determine.

10, do not belong to the insurance liability, the insurer shall ratify since the day make ( Within the insured) denied compensation issued notices, and the reasons.

11, the highest vehicle depreciation amount should not exceed new car to purchase price (  ).

12, the business rules for automobile insurance clauses, many accidents during the period (except for natural disasters caused by accidents, franchise (from)  To increase (time)  ), but shall not exceed a total of (  ).

14, data collection can be (link   And () ) operation.

15, if the statement generation found wrong, can be in (  (,)  ), re adjustment; if you have submitted claims, required by the (  After the return, modified).

16, if the recovery does not sponsor in the filing, in (  ) choose to initiate recovery task.

17, motor vehicle theft and robbery, the whole car loss occurs, the insured fails to provide the "motor vehicle driving permit", "motor vehicle registration certificate", vehicle origin certificate, proof of vehicle purchase tax payment or tax exemption certificate, each missing a, increase the franchise ().

18, body scratch damage insurance clauses (each compensation practice ) franchise.

19, a mechanical and electrical company crown car insurance in the insurance company and the third party liability insurance, accidentally hit the electromechanical company entrance door, door cause loss of 4000 yuan, I handed over the strong and Commercial Co should pay   ).

21, the motor vehicle insurance insurance contract (    ) insurance contract, the contract is that both parties in conclude when insurance contract not predetermine the insured value, but according toAccident insurance The subject of the actual value insurance occursDetermine the insurance value of an insurance contract.

22, vehicle theft occurred partial loss, the insurance amount in according to the actual repair costs calculation of compensation, but not over the insurance accident of the insured motor vehicle ( ).

23, the car personnel liability insurance accident responsibility assume all the franchise for   )Cargo liability insurance, compensation shall every time ) franchise.

24, the new increase equipment, refers to the insured motor vehicle factory original facilities, equipment and facilities, the insured added, the franchise for the corresponding () provisions shall prevail.

25, collection of insurance risk and disperse should have two conditions: (what  (,) )

26, motor vehicle insurance (including  (,)  (,)  )

The 27 risk is refers to the social and natural exists objectively people constantly alert and worries, may be due to ( ), caused by damage to social wealth, and influence the life safety of people (  ).

28, insurance: refers to the insured (according to the ) pay insurance premium to the insurer, the insurer for $and agreed ( ) assume compensation insurance liability accidents caused by the loss of property, or when the insured person death and disability disease or reached the age for the duration of the contract agreement, undertake to pay the insurance business insurance liability.

29, motor vehicle insurance contract refers to a contract of insurance (  ). The object of motor vehicle insurance contract refers to (  ) (specifically in the interests of property, income interest, liability interest and cost benefit four aspects).

30, in the motor vehicle insurance contract, the insured automobile people generally refers to the motor vehicle ( The () or ) people, is also the driving license the registered owner.

31, motor vehicle insurance mark: refers to the motor vehicle ( (and related) ).

Three, judge

The traffic accident happened 1, between motor vehicles, the faulty party shall bear the responsibility. ()

In 2, after insurance accident, the insured and the insurer shall determine the insurance vehicle repair project, and cost, can choose the garage, can also choose the insurer recommended repair factory repair. (    )

3, the insured amount shall not exceed the insured value; more than the insured value, the part in excess of invalid. ()

4, the driver drinking, smoking or injecting drugs, drugs after the use of vehicle insurance, the insurer shall be the traffic accident liability for its commitment to the book. ()

5, the main trailer and insurance compulsory insurance, when insurance accident occurs, the main trailer can mutually for the third party insurance liability claims processing. ()

6, during the period of this insurance, the insurance of vehicle traffic management by consent, modification, installation or engage in business and transportation, insurance accident occurred, the insurer shall undertake the liability for compensation. ( )

7, the current commercial three party insurance a franchise, and cross strong insurance no franchise. ()

8, be caused to the victims escape vehicle accident insurance of personal injury or property loss, cross strong insurance can compensate, commercial insurance will not pay compensation. (    )

9 new car insurance claims system surveyed vehicle selection "no loss" is not initiated damage task. ()

10, out of the vehicle before the rescue, rescue, protection costs if the estimated cost of repair and additive, has reached or exceeded the amount of insurance, compensation can be constructive total loss. ( )

The 11, the goods caused by the loss of vehicle vehicle carrying, can pay in the commercial third party liability insurance (  )

12, strong risk of the insured to pay vehicle caused by overloading the accident, cross strong insurance is not responsible for compensation. ( )

13, for the cross strong insurance pays rescue expenses, the insurer has the right to recover the injurer. ( )

14, if the insured vehicle car theft, robbery, grab the car was found, not to pay indemnity, the vehicle should be returned to the insured. ()

15, in the car or processing, to scrap the degree. No repair value of goods for scrap processing, but must be the residual bending to the insured. ()

16, according to the motor vehicle theft insurance clauses, the insured motor vehicle theft, robbery, snatch period caused third casualties or property losses, the insurer is not liable to pay (   )

17, the motor vehicle third party liability insurance clause specified: unless otherwise agreed, the insured shall pay the premium in insurance contract; insurance Jiaoqing occurred before the accident insurance, the insurer shall not be liable for. ( )

18, motor vehicle insurance and additional insurance based on the total amount of insurance compensation occurs during a insurance, the insurance premium floating in the next. ()

19, according to the insurance clauses, broken glass alone is not damaged other parts of motor vehicle insurance, the insured motor vehicle damage occurs only after the windshield and side window glass. ( )

20, be in accordance with the provisions of the insurance of motor vehicles carrying goods and objects outside the accident impact does not belong to the collision liability ().

21, the annual insurance vehicle insurance loss of vehicle insurance, third party liability insurance, the additional risk of any occurrence of insurance, the insured the renewal, can not enjoy the no claim discount. (    )

Noun explanation

Motor insurance agent: means the principal auto insurer, in the range of automobile insurer authorized agent to handle the car insurance business units or individuals.

Car damage insurance

The third party liability insurance auto loan guarantee insurance: refers to the loan contract the loan principal and interest as the subject, the insured (the borrower) according to the insurer (i.e. provide consumer loans) requirements, request the insured an insurance guarantee his credit.

Six characteristics of the risk

The main contents of risk management risk refers to the social and natural exists objectively people constantly alert and worries, may be due to an accident, caused by damage to social wealth, random phenomenon and influence people's life safety.

The subject and the object of insurance motor vehicle insurance contract

The insured vehicle

Characteristics of automobile insurance

Automobile insurance function

Short answer questions

1,The difference between drinking and drunken, processing differ in cross strong insurance?

Answer: the difference: the so-called drinking driving is the alcohol content in the blood is greater than or equal to the driver's driving behavior of 20mg/100mL, less than 80mg/mL. The drunk driving is the driver's blood alcohol content in heavy rain or equal to 80mg/mL driving behavior. The driver blood or breath every 100 ml, the alcohol content as early as 0~100mg "drunk", then high is "drunk".

  In the "motor vehicle traffic accident liability compulsory insurance clause", "drunk driving" is not excluded from the insurance company for compensation. In the past, commercial three party clause, "drunk driving" are usually classified as exempt from liability.

2The type of the motor vehicle, the insurance amount insurance

Answer: A, press the new car to purchase price of new car purchase price mentioned in this article refers to the insurance contract, in the purchase of the same type and vehicle insurance car is signed (including vehicle purchase surcharge) price.

Two, according to the actual value of the insured when determining the actual value refers to the vehicles of the same type market new car to purchase price, minus the car has been in use depreciation amount after the price. Depreciation according to each year after year, part of a year, excluding depreciation. The rate of depreciation according to China's automobile scrapping standard execution. But the highest depreciation amount does not exceed new car to purchase price of 80%.

Three, through consultation by the insured and the insurer to determine insurance amount must not exceed the same type of new car to purchase price, more than part of the void.

3In general, the claims handling process

Answer: accept report: report records - Notice of loss

Documents audit

File

Arrange the survey and the loss

The site survey and the loss

The approved claims

Claim settlement

4 The basic principle of vehicle damage

Answer: only the accident loss

Can not repair Change

Local repair, not the overall repair

Can change parts, not for assembly

To accurately determine the man hour cost

Accurately grasp the changing prices

5, a list of the insurer to pay claims, insurance contract termination conditions.

6 motor vehicle insurance claims significance:

7 motor vehicle insurance principle:

8, the basic principles of insurance

9, the insured, the insured obligations

10, to determine the liability for damages

11, cross strong insurance implementation of "no fault compensation" principle of compensation. Cross strong insurance claim procedures

12What are the differences, cross strong insurance and commercial third party liability insurance?

Answer: 1, commercial three liability insurance should adopt fault liability principle, namely, the insurance company according to the accident responsibility is borne by an insurer in traffic accidents to determine the liability of compensation. And cross strong insurance is the implementation of the "principle of no fault liability", namely, whether the insured was responsible in the traffic accident, the insurance company shall be 60000 yuan in the limits of liability for compensation within.

2, for the effective control of risk considerations, three commercial liability insurance provided more exclusions and franchise (amount). The compulsory liability insurance covering almost all road traffic risk, and do not set a franchise and deductible, its coverage is far greater than the commercial three party liability insurance.

3, commercial three party liability insurance is for the purpose of profit, which belongs to the commercial insurance business. And cross strong insurance is not for profit, the company is engaged in the insurance business management, independent accounting, separately from other commercial insurance business regardless of profit or loss, shall not participate in the company's profit distribution, the company actually play a representative role.

4, the insurance company liability insurance business three terms of the rate of mutual differences, with 50000 yuan, 100000 yuan, 200000 yuan and 1000000 yuan of above, different grades of the limits of liability. And cross strong insurance liability limit of national unity as 60000 yuan, and the implementation of unified insurance clauses and rates across the country.

13, answer: insurance relationship of proximate cause is caused by the insured losses from the most direct, the most key, most effectively reason.

14Case description: a sail. Car belongs to the private car, the July 1, 2007 purchase of compulsory insurance and vehicle damage insurance (insurance did not buy the rest). In November 20, 2007, the car on the motorway, right front suddenly burst, the car lost control and hit the guardrail of highway. After the loss evaluation, all the losses caused to expressway guardrail: loss of 2500 yuan; the car right front fender, bumper, lamp repair costs 1500 yuan; the right front tire 20 yuan; 800 yuan fee.

Q: in case of not considering the franchise, need to compensate what costs? How much to pay? Why?

 

Answer: the highway guardrail loss, by cross strong insurance coverage, maximum limit of 2000 yuan, the actual loss of more than 2000 yuan, the payment of 2000 yuan.

The car right front fender, bumper, lamp repair costs. By car damage insurance payment 1500 yuan, because the costs are not likely to exceed CDW coverage. Without considering the franchise, so, according to the actual loss compensation.

The treatment costs by 800, car damage insurance payment.

The right front tire 20 yuan. No compensation, because of mechanical failure which belongs to the vehicle itself, no longer within the scope of liability insurance.

15Case description: coke, the girl bought a golf, every day parked the car in the parking area and monthly pay Wuguan hundreds of yuan of parking fees, parking fees in the relevant provisions of writing "loss no matter". At the end of the day, Miss Jiao work found lost in the area of the car park. MS Jiao is a novice, to the car is all risks, the vehicle after the loss of her report to insurance company claim for compensation, whether rational? How to claim?

Answer: the right way is to look for parking claim. The driver must pay attention to parking charge parking fee receipt, although the relevant provisions of a lot of parking fees in writing "loss no matter", but according to the regulations about the format of the contract in the contract law of our country, which belongs to the unilateral shirk responsibility, such as can not be resolved through consultation to resort to the law, there are people win such a lawsuit.

16A vehicle, car insurance, insurance, insurance accident occurs, the new car purchase price (including the vehicle purchase tax) 123000 yuan, insurance amount to 123000 yuan, the actual value of 108240 yuan, the driver take full responsibility, according to the provisions to the 15% franchise, at the same time as the non designated driver driving accident, should increase 5% franchise, vehicle a total loss, the salvage value of 430 yuan, the insurance company should compensate is: how much?

Answer: the amount of insurance claims' actual value calculation, 7 C4 N4 R5 l# E6 Z according to the actual value of E) at the time of the accident
   Loss = (actual value - residual) × accident liability ratio of X (1- franchise) 0 K+}) H5 M K9 K'r: V ^+
        = (108240 yuan -430) × 100% × [1- (15%+5%)]1 R/ k# H1 C {0 X'X, _+
        = 86248 yuan

17Ethylene plant, a plant and the cars are running in the collision. A factory car loss 5000 yuan, car goods loss 10000 yuan, ethylene plant vehicle loss of 4000 yuan, 5000 yuan car loss of goods. Traffic management departments mainly responsible for a car factory orders, bear the economic loss of 70%, 16800 yuan; negative secondary responsibility of ethylene plant car, bear the economic loss of 30%, 7200 yuan. Try to reparations computation.

Answer: a factory own car damage = a factory car loss 5000 yuan x 70%=3500 yuan

A plant should compensate B factory = (b factory car loss 4000 yuan + B factory car or 5000 yuan) × 70%=6300 yuan

The insurer is responsible for a factory car damage and third party liability claims for:

(a plant self car loss 3500 yuan + a factory should compensate the ethylene plant 6300 yuan) * (1- franchise 15%) =8330 yuan

Ethylene plant self car damage = B factory car loss 4000 yuan x 30%=1200 yuan

Ethylene plant should compensate a factory = (a plant car loss 5000 yuan + a factory car cargo 10000 yuan 30%=4500 yuan) *

The insurer is responsible for ethylene plant car damage and third party liability claims: (ethylene plant self car loss 1200 yuan + ethylene plant should compensate a factory 4500 yuan) * (1- franchise 5%) =5145 yuan

 

18A newly purchased motor vehicles, car damage insurance premium 200000 yuan, 3000 yuan, third party liability insurance premiums 50000 yuan, 800 yuan, additional pilfer 200000 yuan, 2000 yuan premium, breakage of glass 500 yuan, the total premium of 6300 yuan. In the insuranceWithout the occurrence of the insurance accident insurance period, for second years the renewal should pay insurance premium (insure the same with the previous year).

Answer: the discount ratio of 10%

    Should pay the premium =6300* (1-10%) =6300-630=5670 yuan

19, one day, a and B, two car collision, traffic management by the ruling: a car loss of 100000 yuan, the medical fee of 80000 yuan, the loss of the goods 120000 yuan; B car loss of 220000 yuan, the medical fee of 40000 yuan, the loss of the goods 140000 yuan. Primarily responsible for a car, bear the economic loss of 70%; negative secondary responsibility B car, bear the economic loss of 30%. The two cars are insured the vehicle damage insurance and third party liability insurance, a car at A insurance companies by the insurance amount to 160000 yuan loss of vehicle insurance, compensation limit for 500000 yuan of the third party liability insurance; B car at B insurance companies by the insurance amount to 200000 yuan loss of vehicle insurance, compensation limit of 200000 yuan for the third party liability insurance.

Q: without considering the deductible conditions, calculate insurance company A, B on the A and B, two car insured shall respectively bear much compensation?

Answer: a car own car damage = a car loss 100000 yuan x 70%=7 yuan

A vehicle should compensate the train B = (B car loss 220000 yuan + B car, the car 140000 yuan + B medical costs 40000 yuan) × 70%=28 million

The insurer is responsible for a car damage and third party liability claims = (a vehicle ego vehicle loss 70000 yuan + a car should compensate B car 280000 yuan)

= 350000 yuan

B the car self car damage = B car loss 220000 yuan x 30%=6.6 yuan

B owners should compensate a car = (a car loss 100000 yuan + armor vehicle damage + 120000 yuan a car staff medical costs 80000 yuan) × 30%=9 million

Insured B car damage and third party liability claims = B car ego vehicle loss 66000 yuan + B car should compensate a car 90000 yuan =15.6 yuan

20,    Zhao in August 8, 1999 to buy a car, the purchase price of 240000 yuan, 16 of the same month, Zhao to the X insurance company to purchase the insurance amount of 240000 third limit of 50000 yuan of motor vehicle insurance and liability of liability insurance, insurance for a period of 1 years, and paid the insurance fee on the same day. In February 8, 2000, Zhao the car 230000 yuan to the price sold to Liu, Zhao and not for the number of single procedures by X insurance company, also did not inform the insurance company. In March 18, 2000, having qualified driving license owner Liu legal to drive, but an accident, the vehicle loss, not caused third casualties and property losses. Ask:

1Zhao to X) if the claim with the insurance company, the insurance company will compensate? Why?

2If Liu) to the X claim with the insurance company, the insurance company will compensate? Why?

Answer: (1) the insurance company can reject, because: one is the insured person in violation of the principle of utmost good faith, not to inform the insurance company vehicle is transferred, not for the number of single procedures, insurance contract; the two is the insured Zhao on the vehicle has no insurable interest in the insurance contract, since the vehicle transfer when an invalid.

(2) the insurance company can reject. Because: Liu and X insurance companies don't have insurance, not insured.

21Some owners, all of its vehicles to the A insurance company to insure the vehicle damage insurance, the insurance amount of 120000 yuan; to B insurance third party liability insurance, the compensation limit of 200000 yuan. The traffic accident insurance period, causing other vehicles, property loss of 120000 yuan of personal injury and pays for the medical costs 60000 yuan; the total loss of 150000 yuan car, vehicle damage and personal injury pays for the medical costs 20000 yuan. Traffic management by the ruling, responsible owner. Then:

1The insurance company should compensate) A? Why?

2The insurance company should compensate) B? Why?

Answer: (1) the A insurance company should compensate 120000 yuan. Because the A Insurance Company underwriting loss of vehicle insurance, only responsible for the car loss of property; and because the insured amount is 120000 yuan, while in the accident, the vehicle actual value is 150000 yuan, so the insurance companies only pay 120000 yuan.

(2) the B insurance company should compensate 180000 yuan. Because the B insurance company accept insurance third party liability insurance, compensation limit for 200000 yuan, in this case, because the owners responsibility caused by other vehicles and property loss of 120000 yuan and injury of 60000 yuan, total 180000 yuan, without compensation to 200000 yuan.

22At a third party liability to be insured and insurance to pay strong vehicle and another vehicle traffic accidents, the accident should bear the primary responsibility to bear 70% of the losses, according to the provisions to the 15% franchise, the third party liability insurance liability limit is 100000 yuan, the accident of third party a total of 212000 yuan, of which the property loss of 50000 yuan, 12000 yuan for medical expenses, death and disability costs 150000 yuan, third party liability insurance compensation amount calculation.

Answer: death, disability compensation =150000-110000=4000 yuan

Medical expenses compensation =12000-10000=2000 yuan

Property damage compensation =50000-2000=48000 yuan

According to the heat in accordance with the proportion of accident insurance, disability compensation for medical expenses claims of death, property damage claims and (40000+2000+48000) *70%=60000<100000, so there are: Third, =63000* (1-15%) =53550 yuan.                                  

23,  A nuclear load10Tons of freight car in an insurance company in the insurance business the vehicle damage insurance, compulsory insurance, commercial three party insurance, and damage of the three non deductible insurance, insured the next day on the highway freight12Tons of the overloaded collision accident (high speed rail first out), loss of vehicles1000Element, where the tire200Yuan, highway guardrail loss3000Yuan, road surface pollution1000Yuan, the insurance company commercial insurance should pay how much?

Answer: according to the provisions of the motor vehicle third party liability insurance clause: violation of regulations on safe loading, increase the franchise 10%. Namely the commercial three party insurance guardrail compensation: 1500x (1-10%) =1350 yuan.

24Case description: a city's government bought a small car business in 1999, has been in the insurance in a local insurance company, and the driver Chen Mou and responsible for the daily maintenance. Because these carefully maintained, in recent years has never been a major accident. For small fault vehicle frequently, Chen with familiar with the car, can solve their own hands. In 2002 May, Chen out vehicle accident broke down, because at that time it was already late, Chen was in a hurry, then get off to open the machine cover and check. He felt a fuel taste, but not see from where, then took out lighter lit from the pocket. Suddenly, a flame from the engine is up, quickly spread to the whole car. Chen is struggling to rescue, vehicle was burnt to the ground. After the local fire squadron identification, vehicle oil pipe leakage, fire fire in foreign.

Answer: at present, many domestic traveling vehicle front machine cover are not lighting device, to the driver in the dim light maintenance adds obstacles, especially outdoor failure, maintenance is more difficult. In the case of Chen suspect vehicle fuel system leakage, to prevent more accidents, eager to forcibly maintenance. But he ignored the should avoid fire principle, it lit up with fire, which is the main cause of the fire. Undoubtedly, Chen has the serious negligence on the fire. But a serious fault and not the insurance except responsibility. The accident should belong to the responsibility of insurance in the "fire", the insurance company shall make compensation in accordance with the provisions of the insurance contract.

25Case description: insurance vehicle running due to avoid the situation, the vehicle sideslip and road isolation pier collision, resulting in damage to the vehicle, after the accident, the driver left the scene, in two days to the traffic police team report. Q: the driver in the absence of other causes, abandoned the car and left the scene of the behavior whether can think of "hit and run"?

Answer: for this case, the insurer should take the initiative to study, master, such as drunk driving accident is because if possible reasons for driving without a license and others to abandon the car left the scene. If there is no moral risk evidence, based only on the interpretation, hit and run "to escape legal sanctions", so the driver in the accident after third days to the DMV to report, regarded as "hit and run".

.Case description: Zhang 2001 August new purchase a Santana sedan, the market price of 130000 yuan, and then to the insurance company insured the car damage insurance, the period of one year. 2002 May Zhang driving on the highway, the car nearly hit, in front of a container truck, resulting in Santana cars full scrap, Zhang died on the spot. Primarily responsible for public security traffic management departments to identify zhang. Zhang's heir to the insurance contract claim compensation from the insurance company. The insurance company accident to liability insurance, but the two sides in the specific amount of compensation agreement is not reached. Reason is in 130000 yuan in 2001, Santana price dropped to 118000 yuan. Zhang's family requested by the insurance amount of vehicle loss 130000 yuan compensation. The insurance company is adhering to the calculation of compensation according to the adjusted value of 118000 yuan. How should the analysis of compensation? What is the basis? And figure out how much should be the amount of compensation?

Answer: clear insurance clauses, in a total loss of motor vehicle, calculation of compensation in the amount of insurance, but the insurance amount is higher than the actual value, not to exceed the actual value at the time of the calculation of compensation claim. According to the principle of indemnity insurance, the insurer shall compensate the insured suffered loss within the scope of responsibility, the purpose is to make the compensation insurance to insurance before the accident, the insured can not get more or less than the loss compensation. The insurer in this case according to the adjusted value is calculated 118000 yuan compensation, enough to make the insured or buying new cars and the insured vehicle of the same type in the market, has made the insured losses are fully loss compensation, effective, therefore the insurance company is correct and reasonable.

 

    The amount of compensation of two 11.8x (1 15%) =10.03 (million)

 

    Or the amount of compensation two (11.8 residual) x (1 - 15%)

27The introduction of the case: an individual transport operators in a higher, in 1998 December will be a 16 seat minibus to the local insurance company insured vehicle damage insurance and third party liability insurance. Insurance amount to 120000 yuan, 2850 yuan premium payable. When the insurance policy to the high charges when completed, and not enough money, due to the requirements of the first, the insurance policy will give him, again in the afternoon will the rest of the money, then with the people agree, they pay a premium of 1000 yuan, the insurance policy.

But after a high does not keep the pay insurance premium, insurance people had many collections, and said that if re default does not pay, compensation is not responsible for the accident, is it explain away, has not received the balance. In 1999 April, the insurance of vehicles traveling in overturned, resulting in more than 6 yuan loss, the insured to lodge a claim against the insurance company.

Answer:  Firstly, the insurance contract is not whether to pay insurance premiums for the premise. According to the relevant provisions of the law, the insurer to the insured to issue the insurance policy or certificate of insurance means insurance contract. So, whether the payment of the premium is not the necessary condition of insurance contract. In this case even if a high point did not pay insurance premium, the insurance contract is established.

   Secondly, the establishment of the insurance contract is not equal to the commencement of the insurance liability. The establishment of the insurance contract does not represent liability insurance accident occurred can get compensation, to see whether the policy has the effect of. Policy validity refers to the insured need to strictly abide by and fulfill the provisions of the insurance policy, is a prerequisite for liability insurance companies in an insured under the.

 

   Third, pay insurance premium is insured obligations. There are two kinds of the insured to pay the insurance premium way:

   1 if the contract does not specify, perform the obligation of insurance premium payment, must be carried out at the time of formation of the contract, which amounts to a full. If the contract does not immediately pay the insurance premium or only partially pay insurance premium. Then the "insurance law" in article thirteenth of the regulations of the liability to pay the insurance premium of the violation.

   2 a special stipulation in contract. The premium payment way according to the contract. After the establishment of insurance contract, insurance, according to insurance contract into the relationship between the parties, is entitled to certain rights and a certain obligation, the obligation of the person who fails to perform the obligations, will bear the corresponding legal consequences. The insurance clause is usually in the technical insurance obligation that the insured or their representatives shall according to the provisions of the insurance and pay the insurance premium endorsement.

   Fourth, in violation of the obligation to pay insurance premium to bear responsibility for breach of contract. Violation of the liability to pay the insurance premium for:

   1 in the insurance contract deadline is completely not pay insurance premium.

   2 in the period of insurance contract only pay part of the premium.

   Looking from this case, a high and second. The insurance clause explicitly pointed out that the applicant or the insured obligations, the insurer has the right to refuse to pay or rescind the contract.

   Fifth, the insurer in the case of fault liability. For the insured is not about to pay by insurance, the insurer should take the following measures: 1 collection according to law; 2. to terminate the insurance contract. Payment shall be made in written form properly, for the collection of invalid situation, should be timely termination of insurance contract. And the insurer the disputes is not in place not unrelated collection measures and management of premiums receivable. In addition, the signing of the insurance contract, not clearly defined and leave the hidden danger in the age premium.

   In reality, the court may according to the mixed fault processing, namely the insured have not paid in full insurance premium of the fault, the insurer is not agreed in writing installment fault. Thus, by the insurer for the full premium ratio according to the premium, shall bear the corresponding liability insurance, the insured portion to give economic compensation.

 

   In summary, insurance contract is a bilateral contract, the insurer and the insured is entitled to rights, but also obligations, rights and obligations are equal. According to the "general rules of the civil law" has a price paid principle, a high paid 1000 yuan insurance premium, to fulfill certain obligations, behoove to enjoy certain rights. An insurance company shall perform the obligation to pay the premium according to a high proportion of bear the corresponding compensation liability insurance.