Motor vehicle insurance

BA is cross strong insurance
A is the vehicle damage insurance
B is the three party liability insurance        
G is pilfer    

D1 is a driver, passenger insurance,   
F is the breakage of glass,        
L is the body scratch insurance,                        
E is deductible insurance deductibles and optional.
Z is the risk of spontaneous combustion

 

BA cross strong insurance

   The full name of "motor vehicle traffic accident liability compulsory insurance, compulsory insurance" is a motor vehicle must buy, the insurance company to the insured motor vehicle road traffic accident caused the victim (not including the vehicle and the insured) casualties, property loss, compensation within the limit of liability. The implementation of uniform standards of compulsory insurance liability limit all over the country:

Total compensation limit: 60000 yuan (responsibility) /12000 yuan (no liability)
Death and disability: 50000 yuan (responsibility) /10000 yuan (no liability)
Medical expenses: 08000 yuan (responsibility) /01600 yuan (no liability)
Loss of property: 02000 yuan (responsibility) /00400 yuan (no liability)

 

A vehicle damage insurance (insurance)

   The vehicle damage insurance refers to the period of insurance, motor vehicle insurance in the insured or a valid driver in use process, because the collision, fire, overturning, spontaneous combustion accident caused the total loss and partial loss, a type of insurance in accordance with the contract of insurance compensation.

 

B commercial third party liability insurance (insurance)

   In the insurance period, the insured or the valid drivers are accident insurance of motor vehicles in use, causes the third suffers from a personal injury or property damage compensation liability in accordance with the law directly, when by the insurer damage. The third party liability insurance is the compulsory insurance, vehicle when examined.

 

G pilfer (additional risks)

   During the period of insurance, motor vehicle insurance in the insurance, or permits the legitimate driver in the use process, because the car was robbery, robbery, theft by public security criminal investigation department at or above the county level for confirmation, full sixty days not accounted for, the insurer is responsible for compensation insurance.

 

D1 passenger liability insurance (additional risks)

   Refers to the insurance of motor vehicle accidents in the insured or a valid driver in use process, resulting in the car who suffer personal injury insurance in accordance with the law to pay compensation insurance.

 

F breakage of glass (additional risks)

   Motor vehicle insurance in the insured or allowed to legally drive people to use the vehicle, the car broken glass alone, the insurer according to the contract to be compensation insurer of insurance. We must pay attention to is the "single" broken only in the categories of Li peifu.

 

L scratch (additional risk) risk

   In the process of using, being cut plan (no significant dent) to repair costs, paid by the insurance company.

 

Z risk of spontaneous combustion (additional risks)

   The insured or the valid driver motor vehicle insurance in that, because the vehicle electrical appliances, circuit, fuel supply system, the fire damage caused by operation of friction and carry goods for their own reasons, the insurer compensation about according to the contract. Insure the insurance, need to insure the car damage insurance.

 

M excluding deductible / rate (additional risks)

   When the vehicle damage insurance and third party liability insurance, the whole car robbery,, scratches, the car personnel liability insurance accident compensation insurance, the deductible amount insured bear, the insurance company responsible for compensation.

 

Additional or special risks

   The insurance company will according to the market demand of customers specially formulated with other special terms or a special clauses, in particular may involve: loss of wading insurance, individual wheel damage insurance, parts, ancillary equipment stolen stolen goods on vehicle insurance, liability insurance, mental injury solatium liability insurance, car to carry goods liability insurance, construction vehicle extension risk loss, special vehicle fixed equipment, equipment damage, tariff duty-free vehicle liability insurance, road pollution liability insurance, the rescue expenses special, repair costs during the indemnity clause, accident attached fee clause, replacement car warranties, many accidents franchise clause, seat belt use special terms, additional insurance, non deductible clause legal service clause holiday travel region extended warranties specified plants specializing in the clause for parts.

 

The following is the insurance details:

 

BA motor vehicle traffic accident liability compulsory insurance Ordinance

Chapter I General Provisions
   Article 1 in order to protect the motor vehicle road traffic accident victims to receive compensation, promote road traffic safety, according to "the people's Republic of China Road Traffic Safety Law of the people's Republic of China", "insurance law", the enactment of this ordinance.
The owner or manager of motor vehicle second on the road within the territory of the people's Republic of China on, should be in accordance with the "Regulations of the people's Republic of China Road Traffic Safety Law" of the insured motor vehicle traffic accident liability compulsory insurance.
Compulsory motor vehicle traffic accident liability insurance, compensation and supervision and management, application of this ordinance.
Third of the Ordinance referred to motor vehicle traffic accident liability compulsory insurance, refers to the insurance company to the insured motor vehicle road traffic accidents caused by the vehicle, be casualties, property loss insurance victims except the people, mandatory liability insurance compensation within the limit of liability.
Article fourth the insurance supervision and administration department under the State Council (hereinafter referred to as the CIRC) in accordance with the motor vehicle traffic accident liability compulsory insurance business of insurance company supervision and management.
The traffic department of agricultural management, public security organs (agricultural machinery) departments (hereinafter referred to as the vehicle management department) shall conduct supervision and inspection on the vehicle to participate in the compulsory motor vehicle traffic accident liability insurance situation. The motor did not participate in the compulsory motor vehicle traffic accident liability insurance, motor vehicle management departments shall not register, the motor vehicle safety and technical inspection agency shall not be tested.
Traffic management departments of public security organs and the traffic police in the investigation and handling of violations of the law on road traffic safety and road traffic accident, it shall check the motor vehicle traffic accident liability compulsory insurance mark.

Chapter second insurance
   Fifth Chinese funded insurance company (hereinafter called the insurance company) as approved by the CIRC, can be engaged in the business of compulsory motor vehicle liability insurance.
In order to ensure the implementation of the compulsory motor vehicle traffic accident liability insurance system, the China Insurance Regulatory Commission has the power to require the insurance company engaged in the business of compulsory motor vehicle liability insurance.
Without the approval of CIRC, any unit or individual shall not engage in the business of compulsory motor vehicle liability insurance.
Sixth where a motor vehicle traffic accident liability compulsory insurance unified insurance clauses and insurance rates. China Insurance Regulatory Commission Rate principle approval of insurance no profit no loss in accordance with the motor vehicle traffic accident liability compulsory insurance business in general.
China Insurance Regulatory Commission in the examination and approval of insurance rates, can employ the specialized agencies for assessment, may hold a hearing to listen to public opinion.
Motor vehicle traffic accident liability compulsory insurance seventh insurance company business management, should be separated from the rest of the insurance business, independent accounting.
The CIRC shall motor vehicle traffic accident liability compulsory insurance business of insurance company verification of the situation, and to the public; according to insurance of motor vehicle traffic accident liability compulsory insurance business overall profit or loss situation, may require or allow insurance companies to adjust the insurance premium.
The adjustment of insurance premium rate is larger, the CIRC shall conduct the hearing.
Eighth of the insured motor vehicle has no illegal act of road traffic accidents and road traffic accidents, the insurance company should reduce the rate of insurance premium in the next year. In the next year, the insured motor vehicle still has no illegal act of road traffic accidents and road traffic accidents, the insurance company shall continue to reduce the rate of insurance premium, until the minimum standard. The insured motor vehicle road traffic safety violations or road traffic accident, the insurance company should improve its premium rate in the next year. Repeated violations of road traffic safety, road traffic accidents, or the occurrence of major road traffic accident, the insurance company shall raise its insurance premium rate. In road traffic accident, the insured person has no fault, not raise its insurance rates. Lower or raise the insurance premium standard, by the China Insurance Regulatory Commission jointly with the public security department under the State Council shall establish.
Article ninth the China Insurance Regulatory Commission, public security departments of the State Council, the State Council in charge of agriculture and other departments concerned shall gradually establish the sharing mechanism of information related to motor vehicle traffic accident liability compulsory insurance, illegal act of road traffic safety and road traffic accidents.
Tenth the applicant shall select have engaged in motor vehicle traffic accident liability compulsory qualification insurance of the insured, the insurance company is selected shall not refuse or delay the underwriting.
The CIRC shall have engaged in the compulsory motor vehicle traffic accident liability for insurance to the public.
Eleventh the applicant, shall truthfully inform the important matters to the insurance company.
Important issues include vehicle type, brand type, identification code, the license plate number, and the use of nature 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 as well as required by the circ.
The twelfth sign of motor vehicle traffic accident liability compulsory insurance contract, the insured shall pay once for all insurance; insurance company shall issue an insurance policy, insurance to the insured. The insurance policy, insurance mark shall indicate the policy number, license plate number, period of insurance, the insurance company name, address and telephone number of claims.
The insured shall place the label of insurance in the insured vehicle.
The insurance sign pattern of national unity. The insurance policy, the insurance sign by the CIRC. Any unit or individual shall not be forged, altered or forged, altered insurance, the insurance mark.
The thirteenth sign of motor vehicle traffic accident liability compulsory insurance contract, applicant shall not apply outside of the insurance clauses and insurance rates, the additional requirements to the insurance company.
A motor vehicle traffic accident liability compulsory insurance contract, the insurance company shall not force the insured to sign insurance contracts and proposed additional requirements.
Article fourteenth the insurance company may terminate the compulsory motor vehicle traffic accident liability insurance contract; however, the applicant fails to truthfully inform obligation except on important issues.
The applicant fails to perform the duty of disclosure of important matters, the insurance company to terminate the contract, shall notify the applicant, the applicant shall truthfully inform obligation within 5 days from the date the notification is received; the insured in this period of time to perform such obligation, the insurance company shall not rescind the contract.
Article fifteenth insurance company to remove the motor vehicle traffic accident liability compulsory insurance contract, shall withdraw the insurance and insurance mark, and notify the administration departments of motor vehicles.
Sixteenth the applicant may terminate the compulsory motor vehicle traffic accident liability insurance contract, except for the following circumstances:
(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.
Seventeenth where a motor vehicle traffic accident liability compulsory insurance contract, the insurance company shall, in accordance with the contract the responsibility of insurance.
The termination of the contract, the insurance company can collect from the insurance liability to the date to the date of termination of the contract of insurance, the remaining part of the insurance premiums shall be returned to the applicant.
The eighteenth is the transfer of ownership of motor vehicle insurance, shall go through the formalities for motor vehicle traffic accident liability compulsory insurance contract change procedures.
Nineteenth where a motor vehicle traffic accident liability compulsory insurance contract, the insured shall timely renewal, and provide an annual insurance policy.
The twentieth period of motor vehicle traffic accident liability compulsory insurance for 1 years, but one of the following circumstances, the applicant may insure short-term motor vehicle traffic accident liability compulsory insurance:
(a) the overseas motor vehicle temporary entry;
(two) the vehicle traveling on the road temporarily;
(three) the vehicle from the provisions of the retirement period less than 1 years;
(four) other circumstances stipulated by circ.

 

The third chapter compensation
   Article twenty-first the insured motor vehicle road traffic accident caused by the victim, the personnel casualty, loss of property insurance of people outside, by insurance companies in accordance with the law in the motor vehicle traffic accident liability compulsory insurance liability limits the scope of compensation.
The road traffic accident damage was deliberately caused by the victim, the insurance company shall not compensate.
Article twenty-second in any of the following circumstances, the insurance company compulsory insurance liability limit range pays rescue expenses in motor vehicle traffic accident responsibility, and shall have the right to recover the injurer:
(a) did not obtain a driver's driving qualifications or drunk;
(two) the insured motor vehicle theft and robbery of the period;
(three) the insured deliberately causes a traffic accident.
One of the circumstances listed in the preceding paragraph, the occurrence of road traffic accidents, causing loss to the property of the victim, the insurance company does not assume liability to pay compensation.
Twenty-third where a motor vehicle traffic accident liability compulsory insurance unified liability limit nationwide. 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.
Motor vehicle traffic accident liability compulsory insurance liability limit by the China Insurance Regulatory Commission jointly with the public security department under the State Council, the state health department, the State Council formulated by the competent department of agriculture.
Article twenty-fourth country to set up the social rescue fund for road traffic accidents (hereinafter referred to as the rescue fund). Any of the following circumstances, personal injury victims of road traffic accidents in the funeral expenses, the cost of some or all of the rescue, the rescue fund to advance, rescue fund management institutions have recourse to the responsible person of the road traffic accident:
(a) to save costs more than the motor vehicle traffic accident liability compulsory insurance liability limit;
(two) the vehicle did not participate in the motor vehicle compulsory liability insurance of traffic accident;
(three) motor vehicle accident.
Including the source twenty-fifth rescue fund:
(a) extracted according to a certain proportion of motor vehicle traffic accident liability compulsory insurance of insurance funds;
(two) for not in accordance with the provisions of the insured motor vehicle traffic accident liability compulsory insurance of motor vehicle owner, manager of fine;
(three) rescue fund management institutions in accordance with the law to the road traffic accident responsibility compensation funds;
(four) rescue fund fruits;
(five) other funds.
Specific measures for the management of the twenty-sixth rescue fund, by the financial department of the State Council jointly with the public security department under the State Council, the China Insurance Regulatory Commission, the State Health Department of agriculture of the State Council, the departments in charge of the trial.
Article twenty-seventh the insured motor vehicle road traffic accident, the insured or the victims notify the insurance company, the insurance company shall give a reply immediately, inform the insured or the matters related to the specific compensation procedures.
Article twenty-eighth the insured motor vehicle traffic accidents, by the insured to the insurance company for compensation insurance. An insurance company shall, within 1 days after receiving the application for compensation, written to inform the insured need to provide insurance and compensation of the relevant proofs and materials.
Twenty-ninth an insurance company shall, within 5 days from receipt of the insured to provide evidence and information of the day, make assessment of whether to liability insurance, and will notify the insured; do not belong to the insurance liability, it shall make a written explanation; on the part of the insurance liability, and 10 days after the insured a compensation insurance agreement, compensation insurance.
Article thirtieth the insured and the insurance company has any dispute over the compensation, may apply for arbitration or bring a lawsuit to the people's court according to law.
Article thirty-first insurance companies paid indemnities to the insured, or directly to the victim compensation insurance. However, because of the need to rescue the injured to the insurance company to pay or pays rescue expenses, insurance companies in a traffic control department of the public security organ shall timely notification, the check to the medical institutions to pay or pay the rescue expenses.
Because of the need to rescue the injured rescue fund management institution pays rescue expenses, rescue fund management institutions in a traffic control department of the public security organ shall timely notification, after checking the advance to the medical rescue expenses.
Thirty-second medical institutions should be related to clinical guidelines with reference to the State Council formulated by the competent department of health, treatment, rescue the personnel injured in road traffic accidents.
Article thirty-third the insurance company compensation insurance or pay the rescue expenses, rescue fund management institution pays rescue expenses, need to relevant departments, medical institutions to verify the situation, the relevant departments, medical institutions should cooperate.
Article thirty-fourth insurance companies, rescue fund management agency personnel shall keep confidential to Party's privacy.
The thirty-fifth road projects of compensation for traffic accident damage and standards in accordance with the provisions of relevant law enforcement.

    The fourth chapter penalties

   Article thirty-sixth without the approval of CIRC, illegally engages in the business of compulsory motor vehicle liability insurance, by the CIRC shall be banned; constitutes a crime, shall be investigated for criminal responsibility according to law; if no crime is constituted, shall be confiscated of the illegal income, illegal income of 200000 yuan to 1 times the illegal income, and impose more than 5 times the fine; lack of the illegal income or illegal income 200000 yuan, a fine of 200000 yuan of above 1000000 yuan of the following.
Article thirty-seventh insurance companies will be permitted to engage in the business of compulsory motor vehicle liability insurance without insurance, by the CIRC shall order it to make corrections, shall be ordered to refund the premium, confiscate the illegal income, illegal income of more than 100000 yuan, and 1 times the illegal income more than 5 times the fine; there is no lack of the illegal income or the illegal income 100000 yuan 100000, impose a fine of more than RMB 500000; if it fails to do so or causing serious consequences, shall be ordered to suspend business for rectification or revoke the license to carry on insurance business.
Thirty-eighth where an insurance company violates the provisions of these regulations, any of the following acts, by the CIRC shall order it to make corrections, impose a fine of 50000 yuan and 300000 yuan; if the circumstances are serious, can limit the scope of business, shall be ordered to stop accepting new business or revoke the license to carry on insurance business:
(a) refuse or delay the insured motor vehicle compulsory liability insurance of traffic accident;
(two) are not in accordance with the unified insurance clauses and insurance rates in motor vehicle traffic accident liability compulsory insurance business;
(three) is not the business of compulsory motor vehicle liability insurance and other insurance business separate management, separate accounting;
(four) a commercial insurance contract enforcement of the insured;
(five) lift the motor traffic accident liability compulsory insurance contract in violation of the provisions of the;
(six) refuses to perform the agreed compensation insurance obligations;
(seven) is not in accordance with the provisions of timely payment or advance to save costs.
Article thirty-ninth the owner of the vehicle, management not in accordance with the provisions of the insured motor vehicle traffic accident liability compulsory insurance, the traffic control department of the public security organ detain the vehicle, notify the owner of the motor vehicle management, in accordance with the provisions of the insured, a fine of 2 times the Department in accordance with the provisions of the minimum liability limit shall pay the insurance premium.
All motor vehicles, management in accordance with the provisions of article of motor vehicle traffic accident liability compulsory insurance, motor vehicle shall be returned in time.
Article fortieth a motor vehicle on road fails to place the label of insurance, the traffic control department of the public security organ shall detain the vehicle, notify the party concerned to provide the insurance sign or go through the corresponding formalities, be given a warning or 20 yuan 200 yuan fine.
The parties concerned to provide the insurance sign or go through corresponding formalities, motor vehicle shall be returned in time.
Forty-first Whoever forges, alters or use forged, altered insurance mark, or use other motor vehicle insurance mark, be confiscated by the traffic control department of the public security organ, to detain the vehicle, 200 yuan 2000 yuan fine; constitute a crime, criminal responsibility shall be investigated.
Corresponding lawful proof or makes up corresponding formalities, motor vehicle shall be returned in time.

    The fifth chapter supplementary provisions
   The forty-second purpose of the regulations:
(a) the insured, refers to the insurance company to make the compulsory motor vehicle traffic accident liability insurance contract in accordance with the contract, and is obligated to pay insurance premium obligation of all people, management.
(two) the insured, refers to the legal driving the insured and permitted.
(three) rescue costs, refers to the motor vehicle road traffic accident injuries, medical institutions clinical guidelines with reference to the State Council formulated by the competent department of health of vital signs, not smooth and although stable vital signs but if you do not take measures will have dangerous life, disability, or organ dysfunction, or cause the course was significantly prolonged the injured, the measures taken to deal with the necessary medical expenses.
The accident of forty-third vehicles on the road outside the place, cause personal injury, property damage compensation, these regulations apply.
Forty-fourth China people's Liberation Army and people's Armed Police Forces in the China vehicle to vehicle traffic accident responsibility compulsory insurance measures, shall be separately prescribed by the China people's Liberation Army and people's armed police forces China.
Article forty-fifth the vehicle owner, manager since the implementation of these regulations within 3 months from the date of the insured motor vehicle traffic accident liability compulsory insurance; insurance expired insurance commercial motor vehicle third party liability insurance, before the implementation of these Regulations shall be compulsory traffic accident liability insurance, the insured motor vehicle.
Article forty-sixth of this Regulation shall be implemented as of July 1, 2006.

 

 

A vehicle damage insurance clauses

 

    General provisions
The first vehicle loss all risks insurance contract (hereinafter referred to as: this contract) by motor vehicle loss all risks insurance clauses (hereinafter: this clause), insurance, insurance, number of single component. Relating to this contract, shall be made in written form.
Second said the vehicle insurance contract refers to the motor vehicle shall be stated in the insurance policy, but does not include the vehicle factory new equipment other than a standard configuration.
Article third of the contract referred to others the insured vehicle all people including insurance and the insurance vehicle all people license to use, management of vehicle insurance.
Article fourth of the contract referred to the company refers to the Tianping auto insurance Limited by Share Ltd.
The vehicle damage insurance
Article fifth in the contract period of insurance, because the insurance loss of vehicle accidents caused by (hereinafter referred to as: insurance vehicle damage), the company responsible for compensation in accordance with the provisions of this contract.
The sixth time when the insurance accident occurs, the insured to rescue, protection measures are necessary and reasonable expenses expenditure of vehicle insurance (hereinafter: salvage charges), the company is responsible for compensation in accordance with the provisions of this contract.

　　Exemption from liability
Article seventh shall be made by the other party accident responsibility compulsory insurance contract in accordance with the motor vehicle traffic accident liability shall indemnify the part (CALI system hereinafter:), the company will not be responsible for compensation.
Any person who causes eighth of the following causes casualties and property losses, the company will not be responsible for compensation:
(a) earthquake, tsunami;
(two) the war, the military conflict, terrorism, riots, administrative act, judicial behavior;
(three) nuclear reaction, nuclear pollution, nuclear radiation;
(four) fraud;
(five) by the intentional act insurer.
Ninth at the time of the accident, the insurance vehicle drivers in any of the following circumstances, the company shall not be liable for:
(a) did not obtain motor vehicle quasi driving type does not match the driving license or driving and driving license;
(two) driving license expires or driving license is lawfully detained;
(three) a points scoring cycle up to 12 points;
(four) after drinking or using state control of psychotropic drugs or narcotics drive;
(five) without the insured are allowed to drive a car;
(six) the insured vehicle is intentional crime.
Tenth at the time of the accident, the insured vehicle in any of the following circumstances, the company shall not be liable for:
(a) unless otherwise agreed, not for registration;
(two) safety technical inspection or testing without inspection within the period specified failed;
(three) the provisions of the state of the vehicle has reached the mandatory retirement standard;
(four) in the competition, insurance vehicle detection, repair, seizure, requisition, confiscation of period.
Article eleventh the following losses, expenses, the company will not be responsible for compensation:
(a) natural wear and tear, electrical machinery fault, rot, corrosion;
(two) the tire or wheel damage alone;
(three) high temperature baking, artificial direct supply losses;
(four) the car cargo impact, corrosion, damage caused by pollution;
(five) than the vehicle itself loss;
(six) the depreciation loss of vehicle insurance;
(seven) non car stolen, only the car parts or ancillary equipment stolen losses;
(eight) occurred in the lessee and the insurance vehicle while the missing case loss;
(nine) for civil disputes caused the stolen vehicle insurance losses;
(ten) resulting from the use of vehicle insurance can't loss.

　　Insurance amount
The amount of insurance twelfth insurance amount divided the total loss (hereinafter referred to as: total amount) insurance amount and partial loss (hereinafter referred to as: loss of vehicle insurance coverage), where the total loss and partial loss total loss respectively applicable coverage and loss coverage.
Thirteenth of total amount insured by determined in consultation with the company, and shall be indicated in the insurance policy, but the total insured amount shall not exceed the insured value of vehicle insurance.
Fourteenth divided by the insured and the insurance company according to one of the following methods through consultation, and shall be stated in the insurance policy:
(a) according to the insurance insurance vehicle new car to purchase price;
(two) in the new car purchase price within the agreed, but the loss amount shall not be less than the new car to purchase price of 20%.
Period of insurance and insurance
Fifteenth unless otherwise agreed, during the period of this contract for a period of one year of insurance. According to the insurance supervision department approved short month rate or insurance period of less than one year.

　　Treatment of claim
Article sixteenth the insured claims, shall provide insurance, driving license, insurance vehicle permit, certificate of the accident, traffic accident, list of losses, other and confirm the property of insurance accident, reason, the extent of the loss and related materials to the company. Mediation by the traffic control department of the public security, shall provide the accident mediation, such as the court, mediation, should also provide the judgment, mediation.
Article seventeenth insurance car whole car stolen, the public security organs at or above the county level shall, after the case on file for investigation and the expiration of three months is not accounted for, the company only accepts the insured claims. In addition to the provisions of article sixteenth, a claim to this company, should also provide:
(a) the insured identity; the insured and the vehicle owner inconsistent, should provide a proven relationship between insurers and vehicle all people;
(two) motor vehicle registration certificate, invoice, purchase a car vehicle origin certificate, proof of vehicle purchase tax payment or tax exemption certificate, the original car keys;
(three) issued by the public security organ at or above the county level criminal case proof and unsolved proof;
(four) the management of vehicles (Department) according to the criminal investigation department provided, recorded in the computer registration system, and stop for the insurance vehicle registration certificate.
Eighteenth after an insurance accident occurs, the insured or the desire and commitment to reconciliation, mediation of other parties involved in the accident, the company has the right to audit, beyond the scope of this contract on the part of the compensation, the company will not be responsible for compensation.
In nineteenth the company according to the proportion of accident liability insurance vehicle drivers are negative in the accident liability. Traffic accident is not to determine the proportion of accidents by the parties in accordance with the law or the accident by negotiation, in addition to the provisions of the laws, regulations and rules, otherwise, the company shall determine the proportion of liability accident:
(a) insurance vehicle drivers take full responsibility, proportional liability accident 100%;
(two) bear the main responsibility insurance vehicle drivers, proportional liability accident 70%;
(three) negative equal liability insurance vehicle drivers, proportional liability accident 50%;
(four) negative secondary liability insurance vehicle drivers, proportional liability accident 30%;
(five) the driver of a vehicle without insurance responsibility in the accident, the proportion of accidents was 0.
Accident insurance does not involve other responsible parties, responsible insurance vehicle drivers.
Twentieth place the scope of insurance liability loss (insurance car whole car stolen except), shall be made by the other responsible party for compensation, and did not find other responsible parties, the company shall make compensation for the losses, but must apply 30% absolute 免赔率.
Did not find the other party, it shall provide the corresponding proof.
The twenty-first time when the insurance accident occurs in any of the following circumstances, every occurrence of a case, the other 5% increase in the absolute 免赔率.
(a) insurance vehicle loading exceeds the ratified load 30%;
(two) the insured vehicle out of the insurance travel area;
(three) driving human non insurance designated driver.
Individuals of all non operating passenger cars in five one, eleven and the Spring Festival holiday period of insurance travel area, not affected by this article (two), limited.
Article twenty-second insurance car is damaged because of the insurance accident, should try to repair. Repair of the insured person shall be jointly with the company inspection, determine the project, and cost of the repairs. Otherwise, the company shall have the right to re approved, can not be re approved, the company shall have the right to refuse compensation.
The value twenty-third to scrap parts due to repair the (hereinafter: residual), through consultation by the two parties, such as folding to the insured, the company will deduct the approved compensation value.
Article twenty-fourth a total loss refers to the loss or damage of vehicle insurance, all of the repair costs to achieve when the accident occurred insurance vehicle practical situation. In addition to the insurance vehicle car stolen, where the total loss of vehicle insurance,
(a) if the total insured amount of not less than the actual value of vehicle accident insurance, the insurance loss of vehicles, the company in accordance with the following provisions approved compensation:
The approved vehicle loss = (when the accident occurred insurance vehicle real value - Cross strong insurance claims and residual) * (1 - deductible franchise and) × proportional liability accident
(two) if the total insured amount is lower than the actual value of vehicle accident insurance, the insurance loss of vehicles, the company in accordance with the following provisions approved compensation:
The approved vehicle loss = (total amount - Cross strong insurance claims and residual) * (1 - deductible franchise and) × proportional liability accident
Twenty-fifth in addition to all the loss of vehicle insurance outside loss is a partial loss. Partial loss of vehicle insurance,
(a) such as loss of the insured amount of not less than when the accident occurred insurance vehicle new car to purchase price, the insurance loss of vehicles, the company in accordance with the following provisions approved compensation:
The approved vehicle loss = (the actual repair costs - Cross strong insurance claims and residual) * (1 - deductible franchise and) × proportional liability accident
(two) such as loss of the insured amount is lower than when the accident occurred insurance vehicle new car to purchase price, the insurance loss of vehicles, the company in accordance with the following provisions approved compensation:
The approved vehicle loss = (the actual repair costs - Cross strong insurance claims and residual) * (1 - deductible franchise and) × accident liability ratio * points loss coverage / when the accident occurred insurance vehicle new car purchase price
The twenty-sixth time when the insurance accident occurs, the insured property insurance assistance contained in the vehicle outside the property, the company on the basis of the actual value of vehicle accident insurance for the rescue all the proportion of the actual value of property for salvage charges, the calculation formula is as follows:
The approved expenses: = (the actual expenses: * accident insurance actual value of vehicle / rescue when the accident happened all the actual value of property) * (1 - deductible franchise and) × proportional liability accident
Article twenty-seventh insurance car whole car stolen, the company in the total amount in accordance with the robbery. The actual value approved vehicle insurance indemnity.
Twenty-eighth because of the whole car stolen vehicle insurance claim to this company, if they can not provide the motor vehicle registration certificate, insurance certificate, invoice, purchase a car driving vehicle origin certificate, proof of vehicle purchase tax payment or tax exemption certificate, each lacks a, the company will be in the twenty-seventh to determine the approved 0.5% claim deductions robbery a vehicle insurance actual value according to the terms; the lack of the original car keys, deduction of robbery. The actual value of the insured vehicle 5%.
Article twenty-ninth insurance car whole car stolen after the insured loss of vehicle insurance losses during the charge, the company is responsible for compensation for the actual cost of repairs in the contract within the total amount.
Article thirtieth insurance car whole car stolen and recovered:
(a) if the company has not paid the insurance compensation accordingly, insurance to the insured all vehicles;
(two) if the company according to the provisions of this contract compensation insurance car whole car stolen losses, the insurance vehicle can be insured, but the insured shall return the insurance indemnity corresponding.
Thirty-first kinds of the insured to provide the necessary documents are complete, the company shall promptly review. The amount of compensation after confirmation by both sides, the one-time compensation closed in 10 days. Perform the obligation of compensation to the company, the insured and the same accident claim for compensation to the company, the company shall not be liable for.
Article thirty-second the company accepted the report, field mapping, nuclear damage pricing, participate in litigation, to provide advice behavior such as the insurer, does not constitute the company for compensation responsibility commitment.

　　The insured, the insured obligations
Thirty-third the applicant should fill out the application form and answer our queries, perform the duty of disclosure. The applicant fails to perform the obligation, the company in accordance with the relevant provisions of the "insurance law".
Article thirty-fourth the transfer of vehicle insurance, change the use of nature, modification or due to other causes of vehicle insurance risk degree of change, the insured shall apply for alterations procedures. Otherwise, due to increased risk for vehicle insurance accident, the company does not assume liability to pay compensation.
Thirty-fifth after an insurance accident occurs, the insured shall take necessary protective measures to rescue, reasonable, and immediately report to the traffic control department of the public security, and promptly (within 48 hours) notify the company (except force majeure factors). Otherwise, the resulting in losses and the company can not verify the loss, the company has the right to refuse compensation.

　　Other matters
Article thirty-sixth termination of this contract and change
(a) before the commencement of the insurance liability insurant demands the termination of this contract, the company will refund the payment of insurance premiums, but the applicant shall pay the fee to the company, fee as specified by the policy of total insurance premium of 5%.
(two) after the commencement of the insurance liability insurance demands the termination of the contract, the company according to the insurance supervision department approved standard return the unearned portion of the insurance premium;
Article thirty-seventh for the performance of this contract disputes, settled by the parties through consultation. If no agreement is reached through consultation, to submit to arbitration agency specified by the policy; policy does not specify an arbitration body or a dispute after the failed to reach an arbitration agreement, to a people's court according to law.

 

 

B third party liability insurance

   One, the third party liability insurance (hereinafter referred to as the three liability insurance) refers to the insured or allow drivers accidents in the use of vehicle insurance process, causes the third suffers from a personal injury or property damage directly, in accordance with the law shall be insured by economic responsibility, the insurance company responsible for compensation. At the same time, if the insurance company's prior written consent, insured the arbitration or litigation expenses, insurance company is beyond liability limit compensation, but the maximum liability limit of not more than 30%.

   Two, most of the local government will be the third party liability insurance as a compulsory insurance, do not buy this insurance, motor vehicle cannot go up card also cannot yearly check. Compulsory insurance in motor vehicle traffic (referred to as cross strong insurance) is introduced, the third party liability insurance has become a non mandatory insurance. Because the cross strong insurance to the third property damage and medical care cost compensation is low, can consider to buy the third party liability insurance as a supplement of compulsory insurance.

    Three, accident liability limit
   The third party liability insurance when the accident the maximum compensation limit is insurance premium calculation basis, but also the insurer undertakes to the maximum limit of third party liability insurance accident compensation in the amount of time.
1) each accident liability limit, by the insurer and the insured in the insurance contract signed by 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan and not more than 10000000 yuan level determined in consultation. Every accident, the third party liability insurance with the highest limit of indemnity shall be determined according to different types of vehicles. Determined as follows:
(1) in different areas, motorcycle, tractor, the maximum compensation limit of 4 grades: 20000 yuan, 50000 yuan, 100000 yuan and 200000 yuan per accident; a maximum compensation limit motorcycle, tractor for different regions of the selection principle is different, consistent with the "Regulations" the relevant division of auto insurance rates, motorcycle tractor quota policy sales area. Namely, Guangdong, Fujian, Zhejiang, Jiangsu 4 provinces, municipalities (Beijing, Shanghai, Tianjin, Chongqing), municipalities (Shenzhen, Xiamen, Ningbo, Qingdao, Dalian), provincial capital city, the capital of the autonomous region city belongs to class A, the lowest 50000 yuan, other regions belonging to the B class, the minimum selection 20000 yuan.
(2) in addition to other car third motorcycle, tractor and the maximum compensation limit of liability insurance is divided into 6 grades: 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan, and the highest do not exceed 10000000 yuan. For example, 6 the following passenger car is divided into 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan and not more than 10000000 yuan level, for the insured and the insurer at the time of the application to choose negotiation.
2) insurance accident happens when connecting the main vehicle and the trailer, the insurer in the main vehicle of the limits of liability shall bear the responsibility for compensation. When insurance accident happens, the liability for compensation liability for damages caused by the main trailer as caused by vehicle. The insured amount of compensation and negative to the trailer liability and liability shall be limited to the main vehicle, the main vehicle limit of indemnity.

Note: the trailer after the insured and the main engine as a whole, is refers to the main vehicle and the trailer must be insured against the third party liability insurance, and is the main vehicle towing a trailer. Whether liability is caused by the trailer, are regarded as is caused by the main vehicle, the total liability insurance third party liability insurance shall be limited to the main vehicle limit of indemnity. The main vehicle, trailer in different insurance companies, after insurance accident happens, the insured shall claim to the insurance car insurance company, should also provide the main vehicle, trailer their insurance policy. The insurance companies in accordance with the state charged by the insurance on the third party liability insurance premium in proportion to compensation.

 

    Four, third party liability insurance contract
   General provisions
Covered by insurance, the insurance contract, the insurance policy, a single batch and special agreement. Relating to the insurance contract, shall be made in written form.
Motor vehicle second this insurance contract refers to the territory of the people's Republic of China (excluding Hong Kong, Macao, and Taiwan regions) cars, trams and agreed to other vehicles.
Article third the insurance contract in the third refers to the addition of the insured, the insurer, the insurer is outside, victims of insurance vehicle insurance vehicle accidents suffered personal injury or loss of property.

　　Five, the insurance liability
Article fourth the insured or allow drivers in the use of insurance vehicles occurred during the accident, resulting in third suffers from a personal injury or property damage shall be directly, by the economic liability assumed by the insured, the insurer is responsible for compensation.
Article fifth the insurance prior written consent, the insured for fourth listed reasons caused harm to the third party is brought to arbitration or litigation, the insured pay the arbitration or litigation costs and other expenses, the insurer is responsible for compensation; the amount of compensation shall be calculated separately in the specified by the policy limit of liability, highest do not exceed the limits of liability 30%.

　Six, the liability exemption
Article sixth the following insurance vehicle caused personal injury or property damage, if the insured shall bear the liability for compensation in the law, the Insurers shall not be liable for:
(a) the insured and the family members of the person casualties, all or the escrow property loss;
(two) personnel and their family members to drive the car casualties, all or the escrow property loss;
(three) the other officers of the people on board casualties or property losses.
Article seventh the following conditions, regardless of any cause for the third party liability insurance economy, per capita is not responsible for compensation:
(a) earthquakes, war, military conflicts, terrorism, riots, seizure, confiscation, expropriation;
(two) competition, test, repair, maintenance period in the business place of repair;
(three) to engage in illegal activities by the insured vehicle;
(four) the driver drinking, smoking or injecting drugs, drug anesthesia is used vehicle insurance;
(five) the escape vehicle accident insurance;
(six) the driver in any of the following circumstances:
1, no driver's license or driving the vehicle and driver's license quasi driving type does not match;
2, the public security traffic management department the other belongs to the driving without a valid license case drive;
3, the use of special machinery and vehicles, various effective operation certificate of special vehicles without issuing the relevant departments of the state; driving business bus drivers issued by the relevant departments of the state without the effective certificate.
(seven) non insured allows the driver to use the insurance vehicle;
(eight) the insured vehicle does not have a valid travel documents;
(nine) the insured vehicle towing without insurance third party liability insurance vehicle (including Trailer) or be uninsured liability insurance for the third party of the other vehicle towing.
Article eighth the following losses and costs, the insurer shall not be liable for:
(a) insurance vehicle accidents, resulting in third closed down, suspended, power, water, gas stop, stop, communications interruption losses and other indirect losses;
(two) the spirit damage compensation;
(three) because of pollution (containing radioactive pollution) loss;
(four) third party property due to market price changes caused by reducing the value of depreciation, repair the loss caused by;
(five) insurance of vehicle theft, robbery, snatch caused third casualties or property losses;
(six) is caused by the intentional act the insurer or the drivers of loss.
Ninth other does not belong to the scope of insurance liability losses and expenses.

　　Seven, the limits of liability
Tenth when the accident liability, the insurer and the insured in the insurance contract signed by 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan and not more than 10000000 yuan level determined in consultation.
Accident insurance connection eleventh main vehicle and the trailer, the insurer in the main vehicle of the limits of liability shall bear the responsibility for compensation.

 

   G pilfer

 

    One, overview
   Pilfer name is motor vehicle whole vehicle pilfer.
Insurance liability whole vehicle pilfer of motor vehicles for the whole car was stolen, robbed, robbed the vehicle caused the loss and theft, robbery, were looted or damaged during the car parts, ancillary equipment lost the reasonable expenses needed to repair. Visible, motor vehicle whole vehicle pilfer insurance liability includes two parts: one is due to theft, robbery, robbery caused a loss of vehicle insurance; two is due to the insurance of vehicle theft, robbery, robbery of reasonable cost expenditure. The two part of the cost of the insurance company is responsible for compensation in the amount of insurance insurance car whole car was stolen, robbed, robbed the loss caused by.

    Two, the insurance liability
   Insurance vehicle car theft, robbery, the police criminal investigation department at or above the county level for verification, not accounted for more than three months, the insurance company responsible for compensation insurance car whole car was stolen, robbed or damaged after the car parts, ancillary equipment lost the reasonable expenses needed to repair.

    Three, how to determine the amount of
   Insurance amount insurance company by you and consultation in the actual value determined in the vehicle insurance. The actual value is the price minus the depreciation amount with the new car to purchase price. For example, Mr. Wang a new car purchase price for 120000 of the Jetta car, driving license on the date of initial registration for 98 years in May, in 2001 May the insured, pilfer coverage for 120000 * (1-3 depreciation rate of 20%) =9. 60000 or below 9. The sum of the other 60000. Especially, if your car is the second-hand car, please insure according to the actual value of the invoice and purchase a car low, high security also can not pay so much.

    Four, about the insurance compensation
   (1) the compensation project: if your car stolen more than did not recover for three months, the amount of insurance compensation in the insurance. If the car is stolen, recovered within three months, but during the vehicle damage or loss of spare parts, the insurance company responsible for compensation repair costs.
(2) the amount of compensation: every accident should be compensation for the loss of 80% of the total amount of money.

    Five, common exclusions
   (1) insurance vehicle theft and robbery, the lack of which prove that will increase the franchise? The rescue of the loss of the insured person driving license, the original invoice, purchase a car vehicle purchase absolutely free surcharge per document a 0.5% increase. The absolute non lost car keys 5% increase. So you don't try to take these items separately in the car.
(2) my car in the parking fees or business repair theft or fire plant, the insurance company responsible for compensation? Because these places have custody of the responsibility of the vehicle, in the storage period, the safekeeping party caused by the vehicle is damaged or lost, the depositary shall bear the responsibility. The insurance company is not responsible for compensation.
(3) the stolen vehicles, vehicles used by criminals causes the third losses, the insurance company responsible for compensation? Provisions, insurance vehicle theft, robbery, during the robbery of the entire vehicle, whether anyone driving the car caused third casualties or property losses for exemption from liability.
(4) part of my car is stolen, the insurance company responsible for compensation? Because pilfer refers to the whole car is stolen or robbed, so for some parts (such as wheels, antenna etc.) and new equipment (such as sound) alone is stolen, the insurance company does not pay.
(5) my car was stolen by creditors, the insurance company responsible for compensation? Is not responsible for compensation. Because of a clause: the insured person and other civil, economic disputes and the vehicle was stolen, for exemption from liability.
(6) my car stolen, insurance company how to deal with claims? The stolen vehicle insurance rob back, if the insurer has not indemnity, the vehicle should be returned to the insured, but the whole car stolen, the vehicle damage or the car parts, ancillary equipment lost the reasonable expenses needed to repair, the insurance company responsible for compensation. If the insured has compensation, the vehicle should be returned to the insured, at the same time to recover the corresponding reparations. If the insured person not to recover the original vehicle, the vehicle owner to the insurance company.