Zhejiang lukewarm mountain one chamfer tank car explodes 19 dead 171 injuries, what insurance can ma

On June 13 16 when make 46 minutes, exit of lukewarm mountain of city of stage of Zhejiang of Shenyang sea high speed, a groovy tank car that leaves for Wen Zhou by Ning Bo produces explosion, up to 14 days 11 when 00 minutes, already caused 19 people death, 171 people to get hurt.

When just seeing this information, do not plan to write this article originally, because prevent someone,say to follow suit hype.

But hesitant repeatedly, still feel popular science falls, hope people can meet safe duty correctly. (the article liability of popular science insurance, do not involve any products or insurance company)

Let us look, this circumstance, what insurance is OK compensate pays?

Discharge the accept insurance case that investigate to be at present, carrier 3 duty 1 million + goods responsibility 200 thousand + car 3 duty 500 thousand + the personnel on the car 50 thousand + hand in strong, eye in front of is checked did not protect public responsibility and car caustic.

Danger of responsibility of a third party is OK compensate pays, nevertheless need notices two:

1, 3 person it is compensate pays another person, namely the crowd that compensate pays this accident to get hurt, him driver cannot share this responsibility. What him driver can obtain compensate is the personnel on the car this responsibility, nevertheless the forehead spends die highest 50 thousand

2, this appraise caustic has on 100 million, and this 3 person the forehead is not spent 2 million, more processing results that see a thing even, how is this company follow-up carried duty

1, accident danger

The definition of accident danger is future, break out, be not original idea, blame disease, and the responsibility that this accident accords with accident danger completely.

The duty that can win compensate nearly accidentally has the following 4:

Accident die:

Because bring about the circumstance of die to undertake compensate pays accidentally,what accident die points to is, protect frontal compensate to pay according to the foundation commonly, protect 1 million pay with respect to compensate 1 million, the accident danger of 1 million is in commonly 300 less than.

Disable accidentally:

Disable general component is 1-10 class, one class is total damage according to keep the specified number basically 100% come compensate pays, 10 class are the slightest be 10% , every class compensate pays scale to differ 10% .

Accident medical treatment:

Medical treatment is to take the property that submit an expense account, according to actual expenses degree agrees according to the clause scale submits an expense account, notice the money that submit an expense account cannot exceed the cash of expenditure.

The accident is subsidiary:

Allowance of be in hospital is understandable for perquisite, live one day to give a day 150 for instance, living 10 days is 1500, this compensate pays and medical treatment does not conflict.

2, birthday danger

Birthday danger is to protect die and total damage.

This the accident causes the person of die, it is OK danger of manage compensate birthday.

Of here birthday danger and accident die keeping the specified number is OK overlay, do not conflict.

3, medical treatment danger

Medical treatment danger is be in hospital produced medical treatment charge to be able to submit an expense account.

And the cost of be in hospital that causes this accidentally, can undertake submitting an expense account through medical treatment danger.

Resemble the cure of burn follow-up, need the fee that does not poor.

Attention: The compensate of accident medical treatment and medical treatment danger pays be conflict, two danger are planted the money that the amount that compensate pays cannot spend actually more than

4, serious illness risk

Somebody may wonder, serious illness risk is not those who keep a disease, what how bring about accidentally is OK also does compensate pay?

Weigh disease risk actually not just disease of bureau be confined to brings about, a lot of conditions also are caused accidentally. Lose the sight for instance, ear is broken acute hearing, many limbs are short of break, serious Ⅲ spends burn to wait a moment. And the condition that causes a lot of people this to have burn accidentally, if accord with following requirement, also be OK manage compensate weighs disease risk.

So this accident, 4 danger of basic main trend are planted can include. Of course still a few other risk are planted, like annuity danger, increase the specified number lifelong birthday danger, a kind be birthday danger actually constitutionally actually, here did not spread out.

(author: Mix mistily greatly Mr. Cheng)