Insurance scheme

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  • / Author: Aaron Lewis

Motor vehicle traffic accident liability compulsory insurance scheme

Motor vehicle traffic accident liability compulsory insurance scheme (hereinafter referred to as the tariff plan) applicable to motor vehicle traffic accident liability Insurance Regulatory Commission approved China compulsory insurance business.
The tariff scheme consists of motor vehicle traffic accident liability compulsory insurance premium calculation method of foundation form and instructions, motor vehicle traffic accident liability compulsory insurance approach to floating rates, insurance premium and rescind the contract of insurance premium calculation methods of 4 parts.
A motor vehicle traffic accident liability compulsory insurance, basic rate table and description
"Motor vehicle traffic accident liability compulsory insurance rates base table" annex.
"Motor vehicle traffic accident liability compulsory insurance rates, rates of base table" structure of national unity (except tractors and low-speed truck). The table needs explanation clarified as follows:
(a) motor vehicle types
Motor vehicle traffic accident liability compulsory insurance of motor vehicle types, according to the nature of the use of the family car, divided into non operating passenger cars, trucks, buses, non business business business truck, special vehicle, motorcycle and tractor 8 types.
1, the family car: refers to the family or individual ownership, use and for non business of passenger car.
2, non operating passenger: refers to the party and government organs, enterprises and institutions, social organizations, embassies and consulates and other institutions engaged in business or in the production and operation activities not directly or indirectly from the passenger freight or rent, including party and government organs, enterprises and institutions, social organizations, institutions such as consulates in public or lease and the lease period in the production and operation activities for bus 1 or 1 more years.
Non operating passenger car is divided into: the party and government organs, public organizations of bus, bus enterprises.
For the driving instructor, postal service for mail, courier, express service for passenger car, van, General Hospital of ordinary ambulances, funeral car passenger numbers in accordance with the approved indicate the driving license, apply to the corresponding enterprises non operating passenger rate.
3, a business coach: refers to the carriage of passengers or rental, and directly or indirectly for the freight or hire.
The business bus is divided into: city bus, passenger bus, taxi, bus leasing.
Tourism passenger car passenger number in accordance with approved indicate the driving license, apply to the corresponding highway passenger car rate.
4, non truck: refers to the party and government organs, enterprises and institutions, social groups occupied or used only for personal and family life, not in a direct or indirect way of payment of freight or rental truck (including notchback). The truck is a cargo vehicle, van, semi-trailer, dump truck, battery truck, a crane to load of crane truck.
For the driving instructor, postal service for mail, courier companies for express service truck according to the driving license of the ratified load, apply corresponding non operating freight rates.
5, truck: is used for transport or lease of goods, and to direct or indirect charges or rental truck (including notchback). The truck is a cargo vehicle, van, semi-trailer, dump truck, battery truck, a crane to load of crane truck.
6, special vehicle: refers to the various loading oil, gas, liquid and other special tank car; or for the removal, cleaning, cleaning, lifting, loading and unloading (not including dump truck, special vehicle lifting), stirring, mining, bulldozer, road, or applicable to van vehicle with freezing or heating equipment; or a car is provided with a fixed equipment, professional monitoring, fire protection, cash transport, medical, television, radar, X optical inspection vehicle; or for traction container (container) container trailer.
Special vehicle according to their use is divided into 4 categories, different types of vehicles with different charges:
A tank truck, special vehicle: steam tanker, tank truck;
Special car two: special net waterwheel, special vehicle outside the tank truck, as well as for the repair, cleaning, cleaning, lifting, loading and unloading (not dump truck), lifting, stirring, mining, bulldozing, refrigeration, insulation and other various special purpose vehicle;
Three: special vehicles with fixed equipment professional monitoring, fire protection, cash transport, medical, television and other various special purpose vehicle;
Special car four: container trailer.
7, motorcycle: refers to two, three wheeled motorcycle using fuel or battery powered.
The motorcycle is divided into 3 categories: 50CC and below, 50CC-250CC (with), more than 250CC and sidecar.
Three wheeled motorcycle exhaust quantity classification according to the implementation of the corresponding rate.
As for tractors and transport type tractor tractor 8, according to the nature of.
All-purpose tractor refers to the field work, through the articulated tractor for transportation tractor. All-purpose tractor is divided into 14.7KW and below and above 14.7KW two.
Transport type tractor chassis integration refers to the container and transport operations, not the tractor through a traction trailer. Transport type tractor is divided into 14.7KW and below and above 14.7KW two.
Low speed truck to transport rates over the execution of 14.7KW type tractor.
9, Trailer: refers to a non powered road vehicle on its design and technical characteristics of traction to the normal use of the vehicle.
According to the actual nature of use trailer and truck tonnage calculated according to the corresponding 30%.
Device of oil tank, tank, tank trailer is calculated according to a special car 30%.
10, supplement
"Classification of motor vehicle traffic accident liability compulsory insurance rates base table" in the various models of the seat and tonnage are construed in accordance with the "without end" principle with starting point (table except otherwise specified.). All models are calculated according to the number of the passengers seat approved stated on the driving license; tonnage by driving permits the ratified load calculation.
(two) calculated on the basis of the insurance premium
The calculation of 1, a year of insurance premium
The one year period of motor vehicle traffic accident liability compulsory insurance, to determine the basis of insurance premium according to the "motor vehicle traffic accident liability compulsory insurance rates based on corresponding table" in the amount of.
The calculation of 2, short-term basis insurance premium
The insurance period of less than a year of motor vehicle traffic accident liability compulsory insurance, on short term rate coefficient of land premium, less than a month in accordance with the calculation of a month. Specifically: first by the "motor vehicle traffic accident liability compulsory insurance rates based on corresponding table" in determining the amount of basic insurance, according to insurance deadline choose short-term monthly rate coefficient corresponding, both multiply for short-term basis insurance.
Two, motor vehicle traffic accident liability compulsory insurance rates and floating rate of floating factors in accordance with the "motor vehicle traffic accident liability compulsory insurance rate floating Interim Measures" (the [2007]52) execution.
Three, insurance fee calculation method
Cross strong insurance final insurance premium = insurance to pay strong basic premium * (floating ratio 1+ and road traffic accidents linked)
Four, to terminate the insurance contract premium calculation method
According to the "motor vehicle traffic accident liability compulsory insurance regulations" provisions of the insurance contract, the insurer shall be calculated according to the following standards shall be returned to the applicant insurance.
1, the applicant has paid the premium, but the insurance liability has not yet started, a full refund of the premium;
2, the applicant has paid the premium, but the insurance liability has been started, return the unearned portion of the insurance payment:
Return the insurance premium = insurance premium * (1- days has the responsibility of / insurance period)
　　Vehicle compulsory traffic accident liability insurance clause
　　China CIRC 2006.6.28
General provisions
The first according to "the people's Republic of China Road Traffic Safety Law of the people's Republic of China", "insurance law", "motor vehicle traffic accident liability compulsory insurance regulations" and other laws and administrative regulations, the enactment of this provision.
Second motor vehicle traffic accident liability compulsory insurance (hereinafter referred to as the compulsory insurance) contract by the clauses and insurance, insurance policy, endorsement and special agreement together. Where a relevant and cross strong insurance contract, it shall be made in written form.
Third cross strong insurance rates with the introduction of floating mechanism is illegal, the insurance of motor vehicle traffic safety accident records related to.
Sign the insurance contract, the insured shall pay once for all insurance premium. The insurance premium according to China Insurance Regulatory Commission (hereinafter referred to as approved by the CIRC) cross strong insurance rates.
Definition
Fourth cross strong insurance contract insured refers to the legal driving the insured and permitted.
The insured refers to set interchange insurance contract and insurance, and in accordance with the contract is obligated to pay insurance premium obligation of all people, management.
Fifth 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 in the car, the insured persons.
Sixth strong cross the limits of liability insurance contract refers to the insured motor vehicle traffic accidents, the maximum amount of compensation insurer to the people all the time the insurance accident casualties and property losses. Limitation of liability for death and disability compensation compensation quota limits, medical expenses limit, property damage compensation limit and the insured has no liability in road traffic accidents. Limit compensation in which no responsibility can be divided into non disability compensation liability, death is not responsible for medical expenses limit and no liability for property loss limit.
Seventh cross strong insurance contracts in the rescue expenses refers to the insured motor vehicle traffic accident causes the victim to injury, medical institutions for vital signs is not stable and the stable vital signs but if you do not take treatment measures will have dangerous life, disability, or organ dysfunction, or cause disease significantly prolong the victim, reference the health administrative department of the State Council shall organize the formulation of traffic accident personnel trauma clinical guidelines and national basic medical insurance, the measures taken to deal with the necessary medical expenses. insurance
Eighth within the territory of the people's Republic of China (excluding Hong Kong, Macao, and Taiwan regions), the insured is a traffic accident insurance of motor vehicles in use, thus causing human casualties or property losses of the victim, should assume by insurant damage compensation responsibility in accordance with law, the insurer when the accident responsible for compensation in the following compensation limit according to insurance contract:
(a) death and disability compensation limit for 50000 yuan; (the new provisions of this 110000 yuan)
(two) limit compensation for medical expenses for 8000 yuan; (the new provisions of this 10000 yuan)
(three) quota compensation for property losses of 2000 yuan (; new regulations this is 2000 yuan)
(four) the insured has no responsibility, no responsibility for death and disability compensation limit for 10000 yuan; is not responsible for medical expenses limit for 1600 yuan (the new provisions of this 1000 yuan); no liability for property loss limit for 400 yuan (the new provisions of this 100 yuan).
Death and disability compensation limit and no limit of liability for death and disability compensation for responsible for compensation for funeral expenses, death compensation, relatives of the victims for the funeral expenses of the transportation costs, disability compensation, disability AIDS fees, nursing fees, fees, transportation fees, rehabilitation is dependent for living expenses, accommodation costs, delay costs, mental damage the insured in accordance with the judgment of the court or the mediation undertaken solatium.
Medical treatment charge compensation limit and is not responsible for medical expenses limit under the charge of compensation for medical expenses, medical expenses, hospitalization fee, hospital food subsidies, necessary, reasonable follow-up treatment costs, plastic surgery, nutritional costs.
Advance and recovery
Ninth motor vehicle insurance in paragraph (a) to (four) the traffic accident one case, cause the victim to rescue the injured, the insurer after receiving written notice and medical institutions the traffic administrative department of the public security organs issued by the rescue expenses list, verify the health administrative department of the State Council in accordance with the organization of traffic accident trauma clinical guidelines and national basic medical insurance standard. In line with the provisions of the rescue costs, insurance in medical expenses limit of indemnity in advance. The insured has no liability in traffic accidents, the insurance people to advance in the non responsibility for medical expenses limit. For other losses and costs, the company shall not be liable for payment and compensation.
(a) did not obtain a driver's driving qualifications;
(two) the driver drunk;
(three) the insured motor vehicle theft and robbery of the period;
(four) the insured deliberately causes a traffic accident.
To pay the rescue expenses, the insurer has the right to recover the injurer.
Exemption from liability
Tenth following losses and expenses, cross strong insurance is not responsible for compensation and pay the:
(a) intentionally caused by the victim of the traffic accident loss;
(two) the insured property and the insured motor vehicle property loss;
(three) the 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 after the value loss and other indirect loss;
(four) for the cause of traffic accident arbitration or litigation expenses and other related expenses.
During the period of insurance
Eleventh except as otherwise provided by the laws, administrative regulations of the state, during the period of insurance compulsory insurance contracts with insurance for one year, beginning and ending time for quasi single stated.
The insured, the insured obligations
Twelfth applicant, shall truthfully fill in the application form, disclosure of important matters to the insurer, and the insured motor vehicle driving license and driving license copy. Important issues include vehicle type, brand type, identification code, number, use the properties and the vehicle owner or manager's name (name), gender, age, residence, ID card or driver's license number (organization code), other matters before the renewal of motor vehicle accidents and CIRC provisions the.
The insured fails to truthfully inform the important matters, the insurance fee calculation influential, the insurer shall re approved insurance fee collection policy year.
Thirteenth signed insurance contracts, the insured shall in addition to the insurance clauses and insurance rates, the additional requirements to the insurer.
Fourteenth insured renewal, shall provide the insured vehicle year cross strong insurance policy.
Fifteenth during the period of validity of the insurance contract, the insured motor vehicle for refitting, install, use nature changes lead to increase in the degree of risk, the insured shall notify the insurer, and to revise procedures. Otherwise, the insurer shall re approved insurance fee collection policy year.
Sixteenth insured motor vehicle traffic accident, the insured shall take timely rescue and protection measures are reasonable, necessary, and timely notification after the accident insurance.
Seventeenth after an insurance accident occurs, the insured shall actively assist the insurer in field investigation and accident investigation.
Occurrence and insurance related arbitration or litigation, the insured shall notify the insurer in writing promptly.
Treatment of claim
Eighteenth insured motor vehicle traffic accidents, by the insured to the insurer for the compensation insurance. The insured claim, the insurer shall provide the following materials:
(a) cross strong insurance policy;
(two) the insured claims issued by the book;
(three) were valid identity insurance and the victim, was proof of license and driving people insurance motor vehicle driving license;
(four) the certificate issued by the traffic control department of the public security organ or the people's Court of accident, issued by institutions such as the relevant legal documents and other evidence;
(five) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident, should be provided in accordance with the "The traffic accident treatment procedures provisions"Records of traffic accidents according to the provisions of the agreement;
(six) the property loss degree certificate, personal disability degree certificate, relevant medical certificates and related documents list of losses and expenses;
(seven) other and confirm the property of insurance accident, reason, loss and other material relevant to.
Nineteenth insurance after the accident occurred, insurer, the scope of the relevant state laws and regulations and standards and cross strong insurance contract, and according to the health administrative department of the State Council formulate accident personnel trauma clinical guidelines and national basic medical insurance, the amount of compensation for personal injury in cross strong approval insurance liability limit.
Twentieth because of the insurance accident caused the victim casualties, without the written consent of the insurer, the insured to promise or pay the amount of compensation, the insurer has the right to in insurance liability limit re approved.
Because the insurance accident damage to the property in need of repair, the insured shall jointly with the insurer in repair of the inspection, repair or project consultation, and the cost of replacement. Otherwise, the insurer has the right to in insurance liability limit re approved.
Twenty-first insured motor vehicle relates to the victims were injured in the traffic accident, for rescuing the victims to the insurer to pay the rescue expenses, the insurer after receiving written notice and medical institutions the traffic administrative department of the public security organs issued by the rescue expenses list, verify the health administrative department of the State Council in accordance with the organization of traffic accident trauma clinical guidelines for the diagnosis and treatment of personnel and the national basic medical insurance standard. In line with the provisions of the rescue costs, the insurer to pay the medical expenses of compensation limit. The insured has no liability in traffic accidents, the insurer to pay in the absence of liability for medical expenses limit.
Contract modification and termination
Twenty-second in insurance contract, the insured motor vehicle ownership transfer occurs, the insured shall notify the insurer, and handle cross strong insurance contract change procedures.
Twenty-third under the following three conditions, the applicant may request to terminate the insurance contract:
(a) the insured motor vehicle is in accordance with the cancellation of registration;
(two) the insured motor vehicle shall stop;
(three) the insured motor vehicle by public security authorities confirmed loss.
Cross strong insurance contract, the insured shall timely return of insurance, insurance mark insurance; unable to return the insurance mark, shall explain the situation to the insurer, the consent of the consent of the insurer.
Twenty-fourth occurred "motor vehicle traffic accident liability compulsory insurance regulations" listed on the insured, the insurer lift cross strong insurance contract situation, the insurer shall collect from the daily rate of the commencement of the insurance liability to the date of termination of the contract the date of the period of insurance.
Supplementary articles
Twenty-fifth due to the performance of cross strong insurance contract dispute, the contract the parties to resolve.
If no agreement is reached through consultation, submitted to the Arbitration Commission for arbitration of insurance stated. The insurance policy does not specify an arbitration institution or after the occurrence of the dispute did not reach an agreement on arbitration, can sue to people court.
Twenty-sixth cross strong insurance contract dispute applicable laws of people's Republic of china.
Article twenty-seventh the provisions matters, carried out in accordance with the "motor vehicle traffic accident liability compulsory insurance Ordinance".

[buy]

More and more people buy a car, but many owners are often confused in the choice of insurance for your car at. In the face of a multitude of names of insurance, the premium of different insurance companies, how to choose the most suitable for their ownAutomobile insuranceThe product?
Compulsory insurance must be purchased
According to the "motor vehicle traffic accident liability compulsory insurance regulations" provisions, from the beginning of 2008 8 vehicles, all new vehicles and insurance renewal expire must buy the vehicle compulsory insurance. In the following six to sit as an example: one private car insurance premium is 950 yuan, the enterprise non business car 1000 yuan, organ non business car 950 yuan, 1800 yuan rental leasing business. The insurance company will according to the vehicle sales invoice for judgment.
Most of the new car is a novice driver corresponding, accident rate is relatively high, so the insurance companies are generally reluctant to offer significant discounts to new car. But for the specific work personnel engaged in the work of doctors, journalists, bank employees, civil servants and other occupation, the insurance company that their loss rate will be lower than the ordinary people to purchase a car, so there will be some concessions, discounts are below 20 percent off.
The new car insurance should be ""
In addition to the national mandatory buy insurance to pay strong, the new owner must buy some necessary commercial insurance, including automobile physical damage insurance, liability insurance, three pilfer, car insurance and other personnel.
With the price of 150000 yuan of the vehicle as an example, car damage insurance insurance for 2956 yuan, three owner liability insurance according to their own needs, choose 50000, 100000, 150000, 200000 different coverage. Three liability insurance according to the different models, are not the same premium, the most common 6 the following passenger car, the amount 50000, the premium is usually about 800 yuan; the amount 100000, premium 1100 yuan; the amount 150000, premium 1200 yuan. Pilfer is according to the insured vehicle price for conversion, the price of 150000 car insurance premium is 900 yuan. In addition you purchase a new car to attract passers-by eye at the same time, also attracted the attention of thieves, so the proposed insured Daoqiang Xian, of course, if a good car park security measures in place, you feel safe, you can also consider not insured. Staff car insurance according to every car 5 personal computing, insurance were 5000 yuan and 10000 yuan two, the premium is 100 yuan respectively, 200 yuan.
Additional insurance to buy
The owner can also according to the actual condition of their cars and use, targeted to select additional risks. These categories include: individual glass breakage, scratches,Non deductible insuranceEtc.. If your car and regular traffic chaos, market access, easy to scratch the car paint, you can consider to buy a scratch. If the car had to park in the parking lot near the construction site, often flying small stones, your windshield and expensive, it is recommended that you alone against a glass breakage, in order to avoid economic loss. In addition, hot summer weather, the car prone to spontaneous combustion, you can also buy the risk of spontaneous combustion in the economic conditions of abundant situation, do be prepared against want.
Want to remind everybody is, the new novice is inevitable bumps, the accident frequency is relatively high, therefore, insurance experts recommend owners, if are made on the installment plan to purchase the new car, according to the requirements you must purchase insurance; if you use the full amount of the purchase of a new car, you I was a novice, in order to reduce losses, can consider to buy all the content in addition to spontaneous combustion risk of loss of.
The insurance company will have to carefully selected
In determining the should choose categories and can get preferential, how should we choose insurance companies in the process of purchase insurance, the purchase process should also pay attention to what the problem? The industry have suggested, if your car is a new car, but the price is relatively high, can choose a big company insurance. Because the more high-grade car, repair costs are higher, once appear accident, may bear the economic pressure is greater, and the company claims amount will be relatively higher, fixed-point repair factory level is relatively high.
But from the payment of the premium, generally speaking, the same models and insurance premium, large companies than the small firm. If your car is old, or the price is not high, the cost of repair is not very high, and your driving technology is mature, the choice of small, relatively cost-effective.
In addition, experts advise the insured, if your car is often run out distance, so you should try to choose big insurance company to the insured, because this insurance company has branches in all parts of the country, the trouble will be dealt with immediately damage, claims and other local. In addition, the expert reminds, owners insurance insurance not only price, should be combined with the actual situation of their car to determine whether, for example, whether to designate a person often runs long-distance driving, which needs to be or get out of danger service etc..

[attention]

A, do not repeat the insured
Some self insured that cast a few more copies of insurance, the insured vehicle can be more than a few compensation. In accordance with the provisions of the "insurance law" fortieth article: "total amount of compensation insurance vehicle each insurer shall not exceed the insured value of the. "Therefore, even if repeated insurance policy holders, and will not be super value reparations.
Two, don't over insured or not insured in full
Some owners of vehicles, it is worth 100000 yuan, against 150000 yuan of insurance, think more money to pay. While some car worth 200000 yuan, but the 100000 yuan. These two kinds of insurance can not get effective guarantee. Basis "insurance law" thirty-ninth stipulates: "the insured amount shall not exceed the insured value, more than the insured value, the part in excess of invalid. Than the insured value, unless otherwise stipulated in the contract, the insured amount and the proportion of the value of the liability insurance. "So the excess insurance, not full insurance can not gain additional benefit.
Three, insurance to save
Some owners in order to save premium, want to reduce the risk of several, or only the car caustic danger, not securityThe third party liability insuranceThe main risks, or only, no additional risks etc.. In fact, each type has its own insurance liability, if the vehicle is really an accident, the insurance company can only be based on the original insurance contract assume insurance responsibility to pay, and some other loss owners may not get compensation.
Four, timely renewal
Some owners can not be timely renewal in the insurance contract, but the weather is unpredictable, if the vehicle is in the past few days out of the accident, not too late.
Five, it is necessary to carefully review the insurance documents
When you received the insurance documents, must carefully check the documents, have a look whether the triple used white carbonless paper printed and reprinted Brown anti-counterfeit shading, the upper left corner is printed "China Insurance Regulatory Commission producer" words, the upper right corner is printed with "limit in * * province (city, autonomous region) sales", if not you can refuse to sign.
Six, pay attention to the authenticity of the audit agent
The insured must choose the approval of the State Insurance Corporation insurance, and not only save map and find an insurance agent insurance, lured more cannot be called "high return", for the benefit of small and false agent when.
Seven, check the policy
After completing formalities to get insurance policy after the original, to check the policy the listed items such as license plate number, engine number, if there are any errors, to make corrections immediately.
Eight, carry insurance card
Insurance card should be carried with the vehicle, if the accident, shall immediately notify the insurance company and report to the traffic management department.
Nine, early renewal
Remember the date of insurance, advance for renewal.
Ten, pay attention to students "fraud" trick Mo
There are very few people, always want to insurance as a shortcut to get rich, such as some first loss insurance, some man-made accident accident, forge, alter, add some repair, medical and other invoices and proof, these all belong to pianpei range, is the law. Therefore, every car on these issues, don't play small "smart".
Eleven, the definition of third party insurance, should be excluded from the family in the outside.
Have such a provision "the insured or permits driving people and their families, and all the casualties or property in the custody of the loss" insurance except responsibility, automobile accident drivers and their family members, the insured person's family members are not in the third party within the scope of.Automobile insuranceProvision is to prevent the insured to obtain insurance for family members of intentional injury.

Settlement of claims.

A truck carrying vehicles, "" Sanzhengyidan clear copy of ID card, the car, driver's license, driving license and insurance contracts. In this special remind everybody, now many insurance companies have not as small claims documents.
Two, out of a timely report is very important, especially major accidents. Call the insurance company calls need to provide basic policy number, date time, place, the nature of the accident.
Three, temporary license the vehicle only for the short term cross strong insurance, and the route and time, accident insurance company in the prescribed route and time will not bear the liability for compensation.
Four, the vehicle at the time of the accident and the times in different places, insurance company, on behalf of surveying the claim to insurance personnel. Compensation cost according to the general claim to industry standard valuation, if the local damage to insured only to find, this part of the cost of repair can repair the damage compensation insurance company.
Five, the insured if entrusted to repair factory claims, or the accident compensation directly allocated to repair plant, should be personally signed letter of authorization, and report to the insurance company for the record. Each repair, signed a contract with the quality of repair plant, so as to safeguard their legitimate rights and interests.