Now the family are more and more vehicles, of course, the accident is also on the rise, how to avoid the running risk, there are car owners must face the issue. Please have a look the following forum!

   In addition to the car to buy insurance, compulsory insurance, commercial three liability insurance (for medical expenses, disability, death and property loss) how much is appropriate should be? On this topic, often have friends in some automobile forum. The 19 floor of the December 7th survey, more than half of the riders for the sum of 500000 yuan or more. Three commercial liability insurance payment is how calculated? Maintain the number of lines is more appropriate?

    52%Owners of commercial liability insurance 500000 yuan three

    Last February, cross strong insurance compensation limit increased from 60000 yuan to 122000 yuan (including death and disability compensation for 110000 yuan, 10000 yuan for medical expenses limit, property damage compensation limit of 2000 yuan), with the support of the three commercial liability insurance have also been adjusted. As a supplement to the compulsory insurance may be inadequate compensation, commercial three liability insurance according to the coverage is divided into 50000, 100000, 150000, 200000, 300000, 500000, 1000000 yuan more than a grade.

    "The three liability insurance" generally speaking, cause personal injury or property damage is directly drive the process, by the owners to bear and the insurance company responsible for compensation of economic responsibility. For example, three commercial liability insurance 200000 yuan, plus insurance 122000 yuan, the highest amount of the insurance company for the owners compensation for 322000 yuan (depending on the contents of compensation).

    The three part is the commercial liability insurance, often netizens especially novice consulting -- which to buy grade is more appropriate? A car insurance in the insurance company salesman said, "I used to recommend keeping 100000 -20 million, but recently some owners take the initiative to the HISTEP."

    In December 7th, a car is on the 19 floor "cool camp" post, "look you three liability insurance is insurance?" The results show: "cross strong insurance +50 yuan insurance business" owners most, accounted for 52%; choose "cross strong insurance +30 yuan insurance business" owners followed, accounting for 21%; and 4% of the owners choose "cross strong insurance +100 yuan (above) commercial insurance", and another 2% of the owners choose "only to protect the 122000 element cross strong insurance".

    Traffic accident injuries compensation standards improve year by year

    Hangzhou branch of PICC insurance manager Dong Xiong said, "in the past few years, customers of commercial three liability insurance insurance amount is more and more high." Analysis of the reasons, most main is now promulgated by the state standard of compensation to improve. "The provisions of the state standard of compensation is dynamic, is increasing year by year, the insurance company compensation in accordance with the national standard, which reflects the value of life in improving."

    Not long ago, China had some careless driving will cripple a foreigner was injured, claim 5000000 yuan, up to now have not yet settled. Sometimes, the car crash disability than death compensation is even higher, because it involves the high medical expenses, in this case, the medical fee can not be one-time finish, often have to keep paying for many years. In this regard, consumers in the developed world insurance awareness. People in Zhejiang will accept three commercial liability insurance requirements for 10000000 yuan customers, the applicant is a foreign company of Japanese employees. It is understood, the insured amount and premium is not based on the proportional calculation, but was more high, the increased part of the premium rate decreases by certain ratio.

    This year, with some malignant traffic accidents have concern, also let owners choose higher commercial liability insurance grade three. Dong said the manager, this accident lost hundreds of thousands, the accident lost millions, the owner of the nerve is more and more tightly stretched out, they lose may dissipate one's fortune, so choose the coverage is higher.

    Dong manager thinks, in car insurance in three different kinds of insurance, liability insurance is the most important, some people think that the most important for most probably it did not actually happen in his own car, built for the insurance company. In fact, in case of accidents, it is the large number of claims, "you may get his own car to compensate for others is not enough".

    The owner in Zhejiang and 500000 more secure

    Study the relation and law firm lawyers in Zhejiang six years to handle more traffic compensation lawsuit. He suggested, Zhejiang owners choose three commercial liability insurance, at least for 300000 yuan this file, the most secure is to invest 500000 yuan.

    The lawyer said, according to the Zhejiang province is implementing the death compensation standard, the traffic accident resulted in the death of a urban residents, to pay 450000 yuan, non urban residents to pay 180000 yuan. It should be noted that, as long as the non urban residents live in a town for more than a year (with my temporary residence permit), also by urban residents compensation standard calculation. The compensation standard is based on the local per capita disposable income can be calculated, Zhejiang province in the country is lost relatively high.

    In addition to this, if the victims in the dying after medical treatment, it is necessary to count the medical fee compensation, but compensation is the funeral expenses 10000 yuan, mental solatium 50000 -10 million, if the victim home for the elderly or children, may also be compensation for their parents or minor children of alimony, so calculate down, causing the death compensation may be six or seven million yuan. The three part, commercial liability insurance is based on the responsibility to decide, if the owners assume the responsibility of 50%, the total compensation is equivalent to 50 percent off.

    A lawyer also said, three liability insurance compensation and the owners what car, QQ car and BMW car induced damages in deaths is the same, now luxury car premium is higher because the price calculated according to different car caustic danger, risk has nothing to do with three.

    Here we want to emphasize particularly is, whether you for much of the three liability insurance, must always tighten the string of law-abiding driving. After all, life for each person only once, no matter how much money do not come back!

       Three liability insurance limit for owners of payment of the premium (per year)

    Cross strong insurance (122000 yuan) 950 yuan

    Commercial insurance (50000 yuan) 673 yuan

    Commercial insurance (100000 yuan) 972 yuan

    Commercial insurance (150000 yuan) 1108 yuan

   Commercial insurance (200000 yuan) 1204 yuan

   Commercial insurance (300000 yuan) 1359 yuan

    Commercial insurance (500000 yuan) 1631 yuan

    Commercial insurance (1000000 yuan) 2124 yuan

    (Note: the above applies to the following 6 car owners, according to the previous loss record, the renewal "of payment of the premium" minimum can enjoy discounts of 30 percent off).

   Note: Moto Fumiaki from the Sina blog.