The compulsory motor vehicle traffic accident liabilityInsurance

                             The editor:Wang Hui lawyer team

    The compulsory motor vehicle traffic accident liabilityInsuranceAbbreviation.Compulsory insurance", as theChinese continentThe official response "Road Traffic Safety LawThe implementation of the "launchMotor VehicleVehicle insurance, and implemented in July 1, 2006, according to the final establishment of supporting measures, in July 1, 2007 formally implement the general.

   In accordance with the "Motor vehicle traffic accident liability compulsory insurance Ordinance"(referred to as" "cross strong insurance regulations" provisions ")," pay strong risk "byThe insurance companyThe insuredMotor VehicleHappenRoad traffic accidentCause the victim (not including the vehicle and the insured)PersonalCasualties,Loss of property, mandatory compensation within the limit of liabilityLiability insurance, belong toLiability insuranceA.

   According to the "Regulations" provisions of compulsory insurance, inThe People's Republic of ChinaAll motor vehicles on the road or in theAdministratorShould have strong risk of the insured to pay, all motor vehicles, management not in accordance with the provisions of insurance compulsory insurance, the traffic control department of the public security organ shall have the right to detain the vehicle, notify the owner of the motor vehicle insurance, management in accordance with the provisions, and shall pay theInsurance premiumA fine of 2 times.

   During the period of insurance compulsory insurance for 1 years, the insured only four kinds of circumstances can be insured within 1 years of short-term cross strong insurance: one is the temporary entry of overseas motor vehicle; two is the vehicle traveling on the road temporarily; three is from the provisions of motor vehicleScrapPeriod is less than 1 years; fourThe China Insurance Regulatory CommissionOther circumstances prescribed.

   According to the "Regulations" and the "road traffic law compulsory insurance regulations", the traffic control department of the public security organ, managementTractorAgricultural machinery management department to deliver strong insurance supervision system, in the admissibility of motor vehicle registration, change of registration, modification and the safety and technical inspection of motor vehicles, to meet the requirements are required to have effective cross strong insurance, otherwise it can not handle the relevant registration.

  The organizer of compulsory insurance for Chinese insurance companies approved by the CIRC and its authorized agency, every vehicle only cover a compulsory insurance,Policy-holderCan according to their own needs to decide or choose to buy different limits of liability commercial insurance.

Limitation of liability

A traffic accident victims, satisfy the basic security needs.

Two, to adapt to the level of national economic development and consumer ability to pay.

The relevant provisions of the standard of compensation for three, with reference to other domestic industries and some regions.

Insurance liability of motor vehicle compulsory liability (after 1 February 2008)

Limit compensation vehicle liability in road traffic accidents

Allowance disability compensation death ■: 110000 yuan

Limit compensation ■ medical fee: 10000 yuan

Limit of indemnity for loss of property: 2000 yuan

Limit compensation vehicle no liability in road traffic accidents

Allowance disability compensation death ■: 11000 yuan

Limit compensation ■ medical fee: 1000 yuan

Limit of indemnity for loss of property: 1,00 yuan

★Death and disability compensation for: refers to the insured motor vehicle traffic accidents, the maximum amount of compensation for death and disability insurance shall bear the cost of all victims each insurance accident. Death and disability costs include 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,Delay costsThe spiritual damage, the insured person in accordance with the judgment of the court or the mediation undertaken solatium.

★Limit compensation for medical expenses: refers to the insured motor vehicle traffic accidents, the maximum amount of compensation insurer liable for medical expenses each insured all the victims of the. Medical expenses, including medical expenses, medical fees, hospitalization fee, hospital food subsidies, necessary, reasonable follow-up treatment costs, plastic surgery, nutritional costs.

★Limit of indemnity for loss of property: refers to the insured motor vehicle traffic accidents, the maximum amount of compensation for loss of property insurer undertakes all the victims when insurance accident.

          Wang Hui's team: maximize the maintenance of the legitimate rights and interests of parties!

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