Vehicle compulsory traffic accident liability insurance clause

General provisions

        Article 1

        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.

        Article 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.

        Article third

        The rate of compulsory insurance practice and the insured motor vehicle traffic safety violations, traffic accident records associated with the floating mechanism.

        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

        Article 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.

        Article fifth

        Cross strong insurance contract in the victim is a result of the insured motor vehicle traffic accidents suffered casualties or property losses, butDoes not include the insured motor vehicle in the car, the insured persons.

        Article 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.

        Article 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 function obstacle course, or lead to significantly prolong the victim, refer to the competent health department of the State Council shall formulate accident personnel trauma clinical guidelines and national basic medical insurance, the measures taken to deal with the necessary medical expenses.

Insurance liability

        Article eighth

        In 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 limit110000Element;

        (two) limit compensation for medical expenses for10000Element;

        (three) property loss compensation limit2000Element;

        (four) the insuredNo responsibility, no liability for death and disability compensation limit11000Element; is not responsible for medical expenses limit1000Yuan; no liability for property loss limit100Element.

        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

        Article ninth

        The insured motor vehicle in the (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 administrative department of health under the State Council formulated by the traffic accident staff clinical guidelines for the diagnosis and treatment of trauma and the 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

        Article tenth

        The 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, repairs after the value of the loss and other indirect losses;

        (four) for the cause of traffic accident arbitration or litigation expenses and other related expenses.

During the period of insurance

        Article 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

        Article twelfth

        The 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.

        Article thirteenth

        Sign the insurance contract, the insured shall in addition to the insurance clauses and insurance rates, the additional requirements to the insurer.

        Article fourteenth

        The insured or the insured motor vehicle, shall provide an annual cross strong insurance policy.

        Article fifteenth

        In 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.

        Article sixteenth

        The insured motor vehicle traffic accident, the insured shall take timely rescue and protection measures are reasonable, necessary, and timely notification after the accident insurance.

        Article seventeenth

        After insurance accident happens, 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

        Article eighteenth

        The 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 shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" 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.

        Article nineteenth

        After insurance accident happens, the insurer in accordance with the contract, the scope of compensation, 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 insurance liability limit within the.

        Article twentieth

        Cause bodily injury because of insurance accident, has not agreed to in writing by the insured, 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.

        Article twenty-first

        The 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 public health under the State Council department in charge of organizing the formulation of traffic accident trauma clinical guidelines and national staff the 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

        Article twenty-second

        In cross strong insurance within the validity period of the contract, the insured motor vehicle ownership transfer occurs, the insured shall notify the insurer, and handle cross strong insurance contract change procedures.

        Article twenty-third

        In the following three kinds of circumstances, 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.

        Article twenty-fourth

        Occurrence of "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

        Article 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.

        Article twenty-sixth

        Cross strong insurance contract dispute applicable laws of people's Republic of china.

        Article twenty-seventh

        This clause matters, carried out in accordance with the "motor vehicle traffic accident liability compulsory insurance Ordinance".