Hahahaha, when seeing this problem, I am having a meal, laugh of within an inch of died to choke.
Problem advocate the likelihood has bought person to be sure, perhaps had seen life-insurance compensate table. So can this asks.
Pretty good, person insurance once be or get out of danger, buy how many compensate how many. But property insurance and liability insurance are not however such, because their property, action is very different.
The first, the person such as the life-insurance, insurance that weigh disease is sure to be mark with the person's life and body. The person's life is impayable, the person's body also cannot fix a price.
And belongings is safe (the limits with the safe belongings that responsibility is sure to belong to broad sense, if do not have the belongings in the article after special specification to be sure to include responsibility to be sure) of mark is all sorts of belongings or legal responsibility, property has price, civil liability always also is usable and particular coin is metric.
The 2nd, because person does not have valence, cannot fix a price again after be or get out of danger so, need add gives when signing insurance contract talk things over affirmatory. Contract of insurance of old friend body is contract of the insurance that decide a value, how much is once be or get out of danger is bought, have to compensate how many.
Because belongings has price, caustic can be decided again after be or get out of danger so (affirmatory losing limits and size) , cast the insurance company when protecting and policy-holder to negotiate specified amount of a highest compensation to spend. After be or get out of danger, insurance company decides caustic to be calculated again first indemnity.
The 3rd, person is safe, it is to pay model, once decide accident nature belongs to insurance liability, do not press contract agreement to pay with computation.
Belongings is safe, it is compensation model, safe compensate pays a purpose the belongings loss that is compensation insurant, compensate pays the actual loss that cannot exceed insurant. Insurant cannot have jural undeserved benefit.
The 4th, look from another, person insurance must be the insurance deciding a value that policy-holder and compensate of insurance company agreement pay amount, show the legal principle of everybody equality without the body otherwise. (the legal character that everybody equality is a person is equal, do not understand a mistake)
And property insurance scarcely can press the compensate that keep the specified number to pay, can encourage otherwise undeserved benefit. Why do I see the problem wants to laugh? Because I am thinking, if responsibility is safe also the compensate credit formula with according to safe person (press compensate of the sum that keep the specified number) , I can find a kind of shortcut that becomes rich quickly: Cause trouble cause trouble again cause trouble, perhaps touch porcelain to touch porcelain to touch porcelain again.
Problem advocate, say strictly, the insurance amount that person keeps the specified number safely is compensate Fu Shi (or the fundamental amount of computational insurance gold, insurance amount is the character on person insurance contract) ; But belongings is safe (include liability insurance and insurance of medical treatment charge to wait) keeping the specified number is the insurance company when be or get out of danger however of the insurance gold that compensate pays the likelihood the biggest degree, should call responsibility limitation (belongings is on insurance contract so write) . Limit of your liability of insurance of liability of a third party 1 million, it is a consent that insurance company gives you. Be or get out of danger when, insurance company can assume economic liability to pay compensation for you, most but compensate 1 million yuan, the partial insurance company of more than 1 million no matter. Do not have accident word, you cannot get a minute of money from insurance company.
So nonexistent the problem that you say, without what odd forehead spends the question that where went.
Likelihood your true opinion is, insurance has 1 million yuan forehead to spend, why to bump into compensate of dead talented person 500 thousand yuan? Or since bump into compensate of dead talented person 500 thousand yuan, don't have later necessary the insurance that buys 1 million yuan?
I explain an explanation again.
Ask before. The cause trouble in traffic trouble removal person should compensate how many, with the car advocate bought insurance to buy how many insurance to have nothing to do. Policeman the court should not send the case that defend because of party and perhaps change pair of accident character decide with to responsibility differentiate.
The numerous traffic accident that somebody dies, the likelihood is having all sorts of different cases, gold of final liability to pay compensation is so likely difference is very big. Some moment deads or tripartite is responsible, some moment Che Fangquan duty. Some the dead's ruffian one person, there is next old having on some deads small make offerings to population is much. Some deads do not have labor ability, some deads are prime of life. Some deads die in the accident, some deads are via dying after rescue energetically. Some traffic accidents cause nobody to get hurt, some traffic accidents cause much person death. China is so big, the price level difference of each district is very big. According to active law, these elements affect accident compensate to pay amount. It is the traffic accident that causes personnel death likewise, some hundred thousands of compensation, some likelihoods about a hundred 10 thousand compensation.
Hind a problem. Of the rise as people income level and prices rise, traffic accident involves repair all sorts of all sorts of cost, cure cost, compensation gold, charge to rise in year after year. Persuade you sincerely not to pay because of some accident compensate little reduce risk to spend, reduce hundred thousands of yuan 3 person protect the forehead to be able to be saved only nearly 100, 200 yuan of money, you won't be short of this. More cannot because of a year or do not have reparations a few years not to sell responsibility of a third party insurance, in the risk that becomes a meeting to do not have him park leeway in that way, is travel on the road who can have an accident for certain?
Hint finally. Of the danger of responsibility of a third party in making strong danger and commercial car narrow pass keeping the specified number is an accident medium compensate pays responsibility limitation, compensate pays do not decrease next time the specified amount that accident compensate pays is spent. But compensate pays can bring about the insurance cost when buying insurance next time to rise.
I am a bill broker, not Jian without inside, helpful to your economy investment. The attention that thanks you and read, the welcome leaves a message, share.
