The following calculation more difficult:

 

When insurance accident involving multi car accident vehicle

1 each of the insured motor vehicle insurance people in their respective cross strong insurance partial compensation within the limit of compensation, calculation of partial loss to the victim.

2 the parties of motor vehicles according to the applicable insurance to pay strong partial compensation limit total partial compensation limit ratio, assessed the partial loss.

A partial loss approved bear amount = item loss amount x [applicable cross strong insurance item limit of indemnity / (sigma the damage caused by the party making the partial compensation limit)]

Note: no responsibility for the accident vehicle in a motor vehicle, not to participate in other non duty vehicles and car property damage compensation calculation, only to participate in duty vehicle loss or car casualties loss compensation calculation.

The non defaulting party on the amount of compensation responsibility for vehicle vehicle loss shall be borne by the responsible party, by the party making no liability for property loss for the next generation.

A full responsibility, not the responsibility of a party, no amount of compensation liability side should bear full responsibility for loss of vehicle for the full responsibility to loss of vehicles, to deliver strong insurance no liability for property loss limit.

A full responsibility, not the responsibility of the parties, no amount of compensation liability side should bear full responsibility for loss of vehicle for the full responsibility to loss of vehicles, to the non defaulting party cross strong insurance no liability for property loss limit and limit.

Many have the responsibility, not the responsibility of one party, the non defaulting party on the amount of compensation for losses shall be borne by the vehicle to deliver strong insurance no liability for property loss limit limit, in the vehicle the average allocation of responsibility.

Many have the responsibility, not the responsibility of the parties, the non defaulting party on the amount of compensation for losses shall be borne by the vehicle to the non defaulting party cross strong insurance no liability for property loss limit and limit, in the vehicle the average allocation of responsibility.

The accident vehicle should be insured and uninsured vehicle, as the insured motor vehicle involved in the calculation.

4 for relevant departments eventually without liability accident, the uniform application of liability limit calculation.

The same amount of motor vehicle 3 accident responsibility and suitable for all vehicles, simplify the partial loss of the average allocation:

(1) for the victims of the motor vehicle, motor vehicle, motor vehicle property loss of personnel:

A partial loss approved bear / item loss amount = victims (N-1)

(2) for the non motor vehicle, the non motor vehicles, pedestrians, vehicles and personnel loss:

A partial loss approved bear N the partial loss amount ÷ amount = victims

Note: ① N for all the motor vehicle accidents in the number of vehicles.

The accident vehicle should be insured and uninsured vehicle, as the insured motor vehicle involved in the calculation.

4 the initial calculation, if the damage caused by the party to pay strong risk limits not compensate enough, while the victim is not fully compensated, the injured party's loss distribution again in cross strong insurance residual limits, fill in the insurance to pay strong limit. For each loss to be allocated together does not exceed the remaining limit of indemnity, compensation distribution according to the results of the parties; exceed the remaining payment limit, according to the amount of each distribution accounted for the total amount of the residual distribution by multiplying the proportion of compensation quota allocation; until the damaged parties are in full amount compensation or payment party should cross strong insurance without the excess amount.

(four) the property loss need rescue, rescue expenses claims and property loss does not exceed the total property damage compensation limit.

(five) the main vehicle and the trailer accident when used in connection with, people cross strong insurance main vehicle and the trailer are liable for compensation in the respective liability limits.

The liability for compensation if the traffic management department not to determine the main vehicle, trailer should bear the main vehicle, trailer, the average allocation to the insurer the partial loss, and calculate the compensation in the corresponding partial compensation limit.

The main vehicle and the trailer by the insured, the traffic accident happened when used in connection with each other, according to the principle of the three.

(six) the insured motor vehicle insurance more than one cross strong insurance, insurance during the period of liability in the insurance contract, in the later period of play does not assume liability to pay compensation.

(seven) comfort on spirit damage the insured in accordance with the court judgment or mediation take gold, in principle, other compensation for the project in full compensation, the compensation for death and disability compensation limit.

(eight) the standard for death and disability costs and the cost of medical care

According to "the Supreme People's court 'scope of compensation, on the relevant issues concerning the application of law in the trial of personal injury compensation case explanation'" items and standards, issued by the Ministry of public security "injured in road traffic accident assessment" (GB18667-2002), as well as the basic medical standard traffic accident personnel trauma clinical guidelines and traffic accident for personal injury compensation amount.

 

In 1 cases: A, B two motor vehicle traffic accident, two cars have a responsibility. A, B two car loss is 2000 yuan respectively, 5000 yuan, B car, medical staff cost 7000 yuan, death and disability costs 60000 yuan, the other resulting in loss of 1000 yuan. Cross strong insurance property loss compensation limit for two cars is 2000 yuan, amount of compensation for medical expenses for 10000 yuan, death and disability compensation limit for 110000 yuan, then:

(a) A car traffic insurance compensation calculation

A vehicle compulsory insurance compensation amount = dead victim disability indemnity + the medical expenses claims the property and loss compensation

= B car deaths disability approved bear the amount of +B car, medical expenses borne by approved amount + property losses borne amount

1.B car deaths disability approved bear amount = 60000 / (2-1) = 60000 yuan

2.B car, medical expenses approved bear amount = 7000 / (2-1) = 7000 yuan

3 property loss amount approved bear = road property loss amount approved Bear + B car loss amount approved bear

= 1000 / 2+5000 / (2-1) = 5500 yuan, more than the property loss compensation limit, according to the limit of compensation, the compensation amount is 2000 yuan.

Among them, A vehicle compulsory insurance for B car damage indemnity = property damage compensation limit x B car loss amount approved bear / (road property loss amount approved Bear + B car loss amount approved bear)

= 2000 × [5000 / (1000 / 2+5000)] = 1818.18 yuan

Among them, A car insurance to pay strong marketable loss indemnity = property damage compensation limit x road property loss amount approved bear / (path loss amount approved Bear + B car loss amount approved bear)

= 2000 x [(1000 / 2) / (1000 / 2+5000)] = 181.82 yuan

4.A vehicle compulsory insurance indemnity = 60000+7000+2000 = 69000 yuan

(two) B car traffic insurance compensation calculation

B vehicle compulsory insurance compensation amount = road property loss amount approved Bear + A car loss amount approved bear

= 1000 / 2+2000 / (2-1) = 2500 yuan, more than the property loss compensation limit, according to the limit of compensation, the compensation amount is 2000 yuan.

In 2 cases: A, B two motor vehicle traffic accidents, A car full responsibility, B car without responsibility, A, B two car loss is 2000 yuan respectively, 5000 yuan, the other resulting in loss of 1000 yuan. Cross strong insurance property loss compensation limit set for A car is 2000 yuan, the B car is no liability compulsory insurance of property loss limit is 100 yuan, then:

(a) A car traffic insurance compensation calculation

A vehicle compulsory insurance indemnity = B car loss amount approved Bear + road property loss amount approved bear

= 5000+1000 = 6000 yuan, more than the property loss compensation limit, according to the limit of compensation, the compensation amount is 2000 yuan.

(two) B car traffic insurance compensation calculation

B vehicle compulsory insurance indemnity = A car loss amount approved bear

= 2000 yuan, more than no liability for property loss limit, according to the limit of compensation, the compensation amount is 100 yuan.

100 yuan compensation amount B car should bear the loss of A, by A the car insurance in cross strong insurance without responsibility property damage compensation for the next generation.