Be in China, car advocate besides own alternative commerce is sure, still must pay country sets make strong narrow pass, but hand in strong danger what to effect there is? Compensate what? Compensate how many? And 5 kinds of case make strong narrow pass not compensate, a lot of friends are not very clear however, today, small make up say simply for everybody.
What is to make strong narrow pass?
The full name that makes strong narrow pass is " compulsory insurance of liability of accident of motor vehicle traffic " , it is 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.
The insurance fee that pays strong danger is the whole nation is unified, the price is adjusted somewhat according to the model. Family expenses car (6 the following) the insurance cost that needs pay first is 950 yuan, family expenses car (6 above) the insurance cost that needs pay first is 1100 yuan.
If had not produced accident of responsible road transportation the first year, insurance cost was hit second year 9 fold. If all had not produced accident of responsible road transportation 2 years continuously, insurance cost was hit second year 8 fold. If successive 3 years all not the word of be or get out of danger, hand in strong danger insurance cost to hit 7 fold.
How to if be bought,hand in strong danger to meet?
Making strong narrow pass is the danger with compulsive country is planted, bought only hand in strong danger ability to give register, and tell simply, make strong narrow pass you are not bought, cannot start off, namely you have a car to also be equal to do not have a car.
" hand in strong risk rules " the 39th regulation: Motor vehicle was not cast protect those who make strong narrow pass, once be checked, can be in drop the insurance premium that maintains lowermost responsibility quota the amerce of 2 times.
Simple for was caught namely want amerce, and bought the allowance after making strong narrow pass to hand in strong danger mark to still can buckle cent, amerce.
Hand in strong danger what to effect there is?
The goal that meets strong risk basically is to protect a pedestrian. No matter insurant is in the accident,have unaccountable, insurance company all can undertake according to insurance byelaw compensate pays, this is a kind of compulsive protection actually, pass through for the sake of safeguarding pedestrian and blame motor vehicle the person safety of the car and belongings safety. If be mixed when motor vehicle,be not loiter of motor vehicle occurrence cut, hand in strong danger to be able to follow to manage according to liability limit compensate, ensure the victim can win compensation.
Make strong narrow pass after all can compensate how many money?
Hand in strong danger compensate to pay cent to be have duty compensate for and do not have duty compensation, have among them duty compensate pays is to show death disables maximum indemnity norm, belongings loss maximum indemnity norm and limitation of medical treatment cost, without duty compensation is to point to maximum indemnity norm of charge of maximum indemnity norm of unaccountable death maximum indemnity norm, unaccountable belongings loss, unaccountable medical treatment.
1, have duty compensate pays:
The motor vehicle that is sure is responsible in traffic accident, no matter responsibility size, all do the following compensation:
① death disables maximum indemnity norm: 110 thousand yuan
Maximum indemnity norm of charge of ② medical treatment: 10 thousand yuan
Maximum indemnity norm of ③ belongings loss: 2000 yuan
2, without duty compensate pays:
The motor vehicle that is sure is unaccountable in the accident, do the following compensation: (About notting have duty compensatory rationality, there is very big controversy in the academia, here we are not done temporarily discuss. Here we are not done temporarily discuss..
① death disables maximum indemnity norm: 11 thousand yuan
Maximum indemnity norm of charge of ② medical treatment: 1000 yuan
Maximum indemnity norm of ③ belongings loss: 100 yuan
Make strong narrow pass avoid duty main content (5 kinds of case, make strong narrow pass not compensate)
Cast protect make strong narrow pass, also do not mean produce traffic postaccident to be able to win compensation certainly, hand in strong danger to be able to avoid compensate below certain circumstance namely, particular branch is avoid absolutely duty and avoid relatively duty 2 kinds of case, avoid absolutely duty it is to point to when producing this case, insurance company is not reimbursed. Avoid relatively duty it is to show compensation of meeting go ahead of the rest gives insurance company the victim, hind again to send kill a person to chase after countervail.
Avoid absolutely duty case: The victim is intended.
Avoid relatively duty case: Drive without card, drunk wine drives, the car is grabbed by pilfer, insurant is intended
Legal basis:
● is avoided absolutely duty
" law of safety of transportation of road of People's Republic of China " the 76th regulation: Accident of traffic of motor vehicle happening causes losing of person casualties, belongings, give inside range of limit of liability of compulsory insurance of liability of motor vehicle a third party by insurance company compensation... the loss of traffic accident is drive by blame motor vehicle intended collision motor vehicle causes person, pedestrian, motor vehicle one party does not assume liability to pay compensation. " byelaw of compulsory insurance of liability of accident of motor vehicle traffic " the 21st the 2nd section provision: The loss of road transportation accident is caused intentionally by the victim, insurance company does not grant to compensate for.
● is avoided relatively duty
" byelaw of compulsory insurance of liability of accident of motor vehicle traffic " the 22nd regulation: Have one of following state, insurance company is used in savage of the pay for sb and expect to be repaid later inside range of limit of liability of compulsory insurance of liability of accident of motor vehicle traffic, have right to send kill a person to chase after countervail: (One) drive the person was not obtained drive qualification or stoned;(2) during be being grabbed by pilfer by safety motor-car the;(of cause trouble 3) insurant produces road transportation accident intentionally. Place of the fund before having lists one of case, produce road transportation accident, cause belongings loss of the victim, insurance company does not assume liability to pay compensation.
" top people court about hearing case of damages of road transportation accident applicable law the explanation of a certain number of problems " the 18th regulation:
One of following scenario bring about body of the 3rd everybody to damage, party request insurance company is falling limit of strong danger liability give inside limits compensation, people court should grant to support: (One) drive the person was not obtained drive the qualification perhaps was not obtained drive accordingly qualificatory;(2) the drunk wine, spirit drug that takes national control drives after anaesthetic perhaps medicines and chemical reagents the;(of accident of traffic of motor vehicle happening 3) drive the person produces traffic accident intentionally. Insurance company holds the advantageous position that chase after countervail in infringer of compensatory limits introversion, people court should grant to support. During the litigant effectiveness for a given period of time of the authority that chase after countervail the computation since the day that reimburses actually from insurance company.
