Xiao Baojin day continues to share insurance knowledge for everybody
Circle of greeting transmit friend is shared
Article word counts 1500 words
Read time: About 3 minutes
This period theme
Dawn keeps mum
Although be a car,my discovery makes strong narrow pass advocate a place difficult of access that needs to buy is planted, but a lot of people are not quite lucid still to its understanding.
Yes, many cars advocate mix it easily also a few knowledge of commercial car danger are promiscuous.
Dawn protects father
Dawn keeps mum
Favour, you give mainly today tell discuss the typical issue that makes strong narrow pass!
Solve you to be opposite the doubt that makes strong narrow pass!!
This one, solve you to be opposite the most doubt that makes strong narrow pass!
Speak of to make strong narrow pass, as the car advocate the knowledge that more or less concerns with it can you speak? Is your knowledge to it enough and thorough? Put possibly still perhaps in a few misunderstanding? Irrespective, xiao Bao takes you to understand it in the round today, see this car advocate a place difficult of access that buys surely is planted, what need the knowledge that we understand!
What need the knowledge that we understand!!
Doubt one: Must all motor vehicle want to buy make strong narrow pass?
About this problem, most car advocate the likelihood knows the answer: Really, all motor vehicle need to buy make strong narrow pass. Actually, this go up from the concept that makes strong narrow pass we can know. Make strong narrow pass, full name is " compulsory insurance of liability of accident of motor vehicle traffic " . It is to show to be being produced by safety motor-car by insurance company road transportation accident creates a victim (do not include this car personnel and insurant) loss of person casualties, belongings, give inside liability limit of compensation mandatory responsibility is safe.
Further explanation delivers the sentence with strong mandatory danger, the reason is as follows: Our country current business 3 person of danger cast protect rate is lower, after a lot of road transportation accidents happen, because do not have,pay ability because of accident responsibility person finite, the victim often cannot get in time compensation, also cause a large number of economy to compensate for dispute. Execute make strong risk system, enforce through state law namely motor vehicle everybody or administrative person buy corresponding responsibility to be sure, offer for traffic accident victim on the oldest rate thereby mix in time basic safeguard. Common feature says: Bought make strong narrow pass, insurance company can agree according to the clause " help your compensate " , compensate pays you the loss that causes to the other side.
Doubt 2: Produce traffic postaccident, make strong narrow pass can how much does compensate pay?
Hand in strong danger to regard as mandatory safe, also be a car likewise advocate assuming insurance responsibility, in produce traffic postaccident, hand in strong danger to be top end with limitation to the victim's compensation, undertake compensate pays as follows: If be sure motor vehicle is responsible in road transportation accident, maximum indemnity norm is: Death disables 110 thousand yuan, medical treatment charge 10 thousand yuan, belongings loss 2000 yuan; If be sure,motor vehicle does not have responsibility in road transportation accident, maximum indemnity norm is: Death disables 11 thousand yuan, medical treatment charge 1000 yuan, belongings loss 100 yuan.
Needing those who remind everybody is: If be inside the liability time limit that falls strong danger one year,already had produced compensate to pay even if insurance accident compensation reachs total liability limit or a certain after dividing a maximum indemnity norm, the maximum indemnity norm that makes strong narrow pass won't be reduced accordingly or decrease. That is to say even if produces an accident for many times inside a year, reach strong danger contract effective still, be sure the next time accident compensation still is inside liability limit recount.
Doubt 3: If cast,protect car itself to be damaged, make strong narrow pass can does compensate pay?
Presumable consumer should ask: If be in traffic accident, cast protected car to produce a loss, car advocate can you use hand in strong danger to undertake compensate pays? This kind of circumstance is no good, because hand in strong danger to be able to be aimed at only,produce road transportation accident to create a victim (do not include this car personnel and insurant) loss of person casualties, belongings, give inside liability limit compensation, and the loss of car itself is handing in strong danger compensate to pay limits inside. Accordingly, car advocate if want to cover the risk of this respect, need throws the car caustic narrow pass in guaranteeing commercial car a place difficult of access.
In addition, because make strong narrow pass,basically be to assume wide enclothed basic safeguard, rise ceaselessly as medical treatment charge, death disables compensatory level year after year rises, accordingly, to make oneself have more appearance, higher specified number, more extensive safeguard demand, car advocate still be necessary to making the trade that chooses to purchase limit of different class liability over strong danger foundation 3 person danger.
Doubt 4: If insurance device rejects accept insurance to make strong narrow pass, is this violated compasses?
Can insurance structure reject accept insurance to make strong narrow pass? The answer is negative, this is belonged to violate compasses act. Policy-holder is joining the insurance company that when protecting, ought to choose to be engaged in making strong danger professional work, the insurance company that is chosen must not reject protracted perhaps accept insurance. In practice, a few insurance device make strong danger sheet with doing not have for card, or set is unreasonable limitative condition, refuse or autocycle of protracted accept insurance, agricultural motor vehicle makes strong narrow pass, this belongs to those who damage consumer to close right increase to violate compasses act.
Xiao Baoye should remind everybody again: Making strong narrow pass is compulsory insurance, the everybody of motor vehicle or administrative person should be cast in time protect make strong narrow pass. If encounter,protracted accept insurance makes the conduct such as strong danger, consumer can carry the channel report such as phone of insurance device customer service, or complain to superintendency orgnaization, because be cast not in time,avoid to protect hand in strong danger to cause a loss, close right increase in order to safeguard oneself.
Copyright statement
