Third liability insurance as commercial insurance in the third party liability insurance, is the direct loss of vehicle insurance accident caused by the third party to suffer casualties or property, in accordance with the provisions of the insurance contract insurance compensation. Third party liability insurance compulsory insurance. In some categories of insurance, some third by the vehicle accident damage insurance losses, as the exception responsibility towards. Even if the victim is third, even by the traffic accident damage, if the insured should bear civil liability for the insurance liability, this part will not bear the insurance company. For example, in the third party liability insurance, the private car, the individual contracting vehicle, if the result of the insured person or property loss of family members, or in the insurance vehicle interior whoever personal property losses, are not in the scope of insurance indemnity.

　The relationship between compulsory insurance and the motor vehicle third party liability insurance

Motor vehicle traffic accident liability compulsory insurance (referred to as the compulsory motor vehicle third party liability insurance) familiar with the consumer (i.e. three liability insurance in the insurance variety) belonging to the same type, is the guarantee of road traffic accidents in third party victims to obtain timely and effective compensation insurance. But the compulsory insurance is a statutory mandatory, in fact can be called a mandatory three liability insurance, liability insurance and the three past is commercial.

Three motor vehicle liability insurance has the very strong public welfare, the owner against three liability insurance, once has the traffic accident, will provide compensation by insurance company to the third party, the protection of legitimate rights and interests of citizens, the importance of maintaining social stability. The establishment of motor vehicle third party liability compulsory insurance system, and set up social rescue fund for road traffic accidents. In March 28th this year, the State Council promulgated the "motor vehicle traffic accident liability compulsory insurance regulations", forced three liability insurance since changed its name to cross strong insurance, July 1st this system will be formally implemented.

Although the types of insurance are the same, but the compulsory insurance and commercial three liability insurance in respect of the principle of compensation, scope of compensation has essential differences.

　1,Three commercial 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,Three commercial 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,At present, 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 the basic rate nationwide

If consumers think 60000 element cross strong insurance can not meet its own security needs, can be resolved through voluntary purchase liability insurance business in three ways. Because the commercial three liability insurance products and not with the advent of the cross strong insurance and disappeared from the market, they are run parallel. For example, if consumers now buy commercial three liability insurance 100000 yuan, on the basis of the future can cross strong insurance in the insurance 60000 yuan and buy three commercial liability insurance 50000 yuan, two phase accumulation can meet the security demand. But it may increase some of the owners of the burden in different degree, especially the security demand of more than 60000 yuan owners.

The China Insurance Regulatory Commission said, because the compulsory insurance in our country is a new insurance system, the implementation of the first year to 42 vehicles to implement a unified national price, the accumulation of operating data in practice. The future will be implemented as soon as possible with premium traffic violations, traffic accidents linked to the floating rate mechanism, a car if repeated claim, the next premium will soon go up; but never be or get out of danger, the premium will be reduced year by year, in order to achieve Jiangyoufalie. At the same time, also according to the business situation of each area, joined the regional difference in the rates, and gradually implement differential rates.

　Third liability insurance to pay strong difference and:

A,The principle of compensation is different: according to the "road traffic safety law", for motor vehicle traffic accidents caused casualties, property loss, the insurance company in insurance liability limits the scope of compensation. And three commercial liability insurance, insurance company is to determine the liability of compensation according to the applicant or the insured due to traffic accident responsibility.

　Two,The scope of protection: in addition to the individual items of different "Regulations" provisions, the compensation scope of compulsory insurance covers almost all road traffic liability risk. And three commercial liability insurance, insurance companies with different degree of regulations are deductible, franchise or exclusions.

　Three,Mandatory: according to the "Regulations" provisions, the owner or manager should be insured motor vehicle compulsory insurance, at the same time, the insurance company can not deny coverage, and shall not delay the underwriting and may terminate the contract at.

　Four,According to the "Regulations" stipulates: cross strong insurance to implement a unified national insurance clauses and the basic rate, CIRC no profit no loss according to the insurance business in general principle approval rate.

　Five,Cross strong insurance implement breakdown liability.

Six, the third party liability insurance in insurance compensation to the compensation.

Seven, the third party liability insurance does not differentiate between the limits of liability.

2012-03-26