The friends that have a car know, we should hand in strong danger every year to love a car, it is otherwise cannot start off, and the commercial risk that everybody is familiar with also is the compensatory assurance that makes strong narrow pass only. Although make strong narrow pass,be mandatory buy, but it is not below what circumstance metropolis compensate pays you. Next, also let a jade-like stone be good at will take everybody to understand make strong narrow pass, explain having what case is to make strong narrow pass not of compensate.
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 loss of the person casualties that to be being produced by safety motor-car by insurance company road transportation accident creates a victim, belongings, give inside liability limit of compensation mandatory responsibility is safe. The goal that meets strong risk depends on protecting a pedestrian, have in the accident without the driver unaccountable, insurance company can undertake compensatory according to scale, the person that defends pedestrian and member of blame motor vehicle in order to achieve and the purpose with safe belongings.
Hand in strong danger to compensate for limits:
If be caused to tripartite,harm only, no matter be whose responsibility, belong to hand in strong danger to compensate for limits. When attributing insurant responsibility, tripartite belongings loss is highest compensate for 2000 yuan, medical treatment expends highest compensation 10000 yuan, death disables highest compensation 110000 yuan; When attributing insurant responsibility, tripartite belongings loss is highest compensate for 100 yuan, medical treatment expends highest compensation 1000 yuan, disable highest compensation 11000 yuan.
Among them, medical treatment charge includes allowance of food of cost of medical expenses, diagnosis and treatment, hospitalization expenses, be in hospital to expend, necessary, reasonable follow-up cure cost, face-lifting cost, nutrition cost. Death disables cost includes: Assistor of compensation of the expenses of compensation of funeral expenses, death, transportation expenses that deals with mortuary matters concerned, disability, deformity has cost, nurse cost, rehabilitation cost, transportation expenses, be lived by bring up life the cost of cost of cost, accommodation, delay one's work, drive that produces through adjudicate or be being mediated.
Hand in strong danger to avoid duty case:
But this is not represented hand in strong danger to encounter onetime capital of accident of traffic of avery kind of to be able to be a car advocate undertake compensatory, particular branch is two kinds of case, it is respectively avoid absolutely duty and avoid relatively duty. Avoid absolutely duty those who point to is when producing an accident, insurance company does not make compensation; Avoid relatively duty those who point to is, insurance company can undertake compensatory a victim first, again to cause trouble person chase after countervail.
Avoid absolutely duty circumstance:
1. is like a victim to cause traffic accident intentionally, the loss insurance company that its get is not to grant compensate pays, the victim is for instance intended car of block the way, cause an accident.
2. the belongings on all belongings of insurant and insurant motor vehicle gets loss, insurance company is not to grant compensate pays.
3. is produced by safety motor-car motor vehicle the indirect loss insurance company that traffic accident creates also is to won't give compensate to pay, for instance the accident causes victim close down, stop sail, power cut, cut off the water supply, stop gas, stop production, communication or the network is interrupted, data the change of missing, voltage loss that cause and victim belongings because market price case changes cause devalue, the loss that cause is reduced because of value after repairing.
The arbitration that 4. traffic accident produces or litigant expenses reach other charge, insurance company does not grant compensate pays.
Avoid relatively duty circumstance:
Insurant makes 1. intentionally of road transportation accident: The driver is for instance subjective the gender is intended passerby of ground run down, once check solid, insurance company can undertake compensatory a victim first, again to cause trouble person chase after countervail.
2. driver did not obtain drive the qualification is drunk perhaps wine causes traffic accident: Exceed the driver of mark without driver's license or alcohol content than consistent name, cause traffic, insurance company can undertake compensatory a victim first, again to cause trouble person chase after countervail.
Traffic accident causes during 3. is grabbed by pilfer by safety motor-car: Be like literal meaning, be like car by pilfer, and traffic accident produced during this, insurance company can undertake compensatory a victim first, again to cause trouble person chase after countervail.
Write finally:
Making strong narrow pass is mandatory also be special the insurance that is necessary to buy, but the friend that often drives knows, when producing traffic accident, this bit of insurance cost is being used completely not quite. Accordingly, I also suggest here everybody commerce of try to win sb's favor 3 duty danger of danger, car caustic danger, responsibility of the personnel on the car, and not plan the danger that avoid compensate, as the complement that makes strong narrow pass, allow a car advocate set one's mind at travel.
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