Therefore, I searched a lot of information about compulsory traffic insurance on the Internet, but most of the articles did not explain compulsory traffic insurance thoroughly. Many people are still in the dark and have only a little understanding of compulsory traffic insurance.

A few days ago, my father collided with a car while riding a motorcycle, causing my father a pelvic fracture, lung contusion and multiple head and face injuries. After investigation by the accident management team, my father was primarily responsible and the car was minor responsible.

Therefore, I searched a lot of information about compulsory traffic insurance on the Internet, but most of the articles did not explain compulsory traffic insurance thoroughly. Many people are still in the dark and have little understanding of compulsory traffic insurance. Now I will sort out the results of online inquiries and consultations with many traffic police in the past few days, so that everyone can have a deeper understanding of compulsory traffic insurance.

Traffic Accident Certificate

First of all, I would like to emphasize that compulsory traffic insurance does not distinguish between primary and secondary responsibilities, only whether there is responsibility or not.

The other party is responsible: the maximum compensation fee is 180,000 yuan, medical expenses 18,000 yuan, and property damage 2,000 yuan.

The other party is not responsible: compensation is 18,000 yuan, medical expenses are 1,800 yuan, and property losses are 200 yuan.

Let’s look at the compensation targets of compulsory traffic insurance. As long as you (the insured) and third parties other than your own passengers are injured in a traffic accident, they are covered by compulsory traffic insurance. uses my father's accident as an example. My father, my father's motorcycle, and the passengers in my father's car are all covered by the other party's car compulsory traffic insurance.

Compensation scope of compulsory traffic insurance. compulsory traffic insurance is divided into three compensation limits: medical expenses, property damage, and compensation fees. Medical expenses include all reasonable and necessary expenses in the hospital, including diagnosis and treatment fees, hospitalization fees, bed fees, drug fees, etc. Let’s use my father’s accident as an example. Basically all of my father’s medical expenses in the hospital fall within the scope of compensation for compulsory traffic insurance medical expenses, which is a maximum of 18,000 yuan. The other party will be compensated for this amount regardless of whether it is secondary or primary liability, unless If the other party is not responsible, the medical expense limit will be reduced ten times to only 1,800 yuan.

Compensation for property damage. If the other party is responsible, regardless of the secondary or primary liability, the property damage limit is 2,000 yuan. If the other party is not responsible, the property loss will also be reduced ten times to 200 yuan. Property losses refer to direct losses in traffic accidents, excluding indirect losses, such as lost work costs, which are included in the compensation fees to be discussed later. My father's motorcycle was damaged in an accident. The maintenance fee is a direct loss and falls within the scope of property damage compensation in the compulsory traffic insurance. The maximum is 2,000 yuan. The excess of 2,000 yuan will be borne by the liability. My father is mainly responsible, so the excess of 2,000 yuan My father has to bear 70% of the cost.

Let’s talk about compensation. The compensation is my own understanding. It is called “death and disability compensation” in compulsory traffic insurance. The maximum amount for the other party is 180,000, and the maximum amount for the other party is 18,000. The scope of compensation is relatively wide, as long as it is the actual loss suffered by the compensation target in the traffic accident, such as death and funeral expenses, personal disability, missed work due to injury, transportation expenses, accommodation expenses, nursing staff expenses, etc. Note that many of the costs here are indirect losses, so they are included in death and disability compensation, not property losses. still uses my father’s accident as an example. My father chose conservative treatment, so the medical expenses were relatively low. He only spent more than 3,000 yuan, but he had to lie in bed for several months, which resulted in lost work and nursing staff. The cost is relatively large. Because my father usually works as a handyman, etc., he has no fixed income, let alone a salary check and personal tax declaration. Therefore, we can only use the local average employee income in the previous year as a reference standard. But in fact, when making claims with insurance companies, they often discount this standard. Who said that we can't prove my father's actual income? Woolen cloth. If you don't accept the discount from the insurance company, you have to go to court to appeal, which is also very troublesome.

The above mentioned is the compensation we can get in the accident. Next, let’s talk about the expenses that my father needs to compensate the other party as he is mainly responsible for the accident. My father also has compulsory traffic insurance, so the compulsory traffic insurance part is the same as above. Because the other party's personnel were not injured and only the car was damaged, what we have to pay is the other party's car repair costs. Because the maximum property damage limit of the compulsory traffic insurance is 2,000 yuan, so my father needs to bear the excess of 2,000 yuan because he is mainly responsible. 70%.If the other party can still provide evidence to prove that he suffered indirect losses supported by legal support due to this accident, then my father's compulsory traffic insurance will not compensate the other party for the limit of 180,000.

Finally, after a traffic accident, the injured person can ask the other party to apply for compulsory traffic insurance to advance payment in advance. The other party needs to ask the traffic police to issue a "Traffic Accident Rescue Fee Advance Notification". The insurance company will advance the payment as shown above after receiving this notice: If it shows "responsible", the insurance company will advance 18,000 yuan. If the notice shows "not responsible", the insurance company will only advance 1,800 yuan. The insurance company will transfer the money directly to the hospital where the injured person is located.

The above is all I have learned about compulsory traffic insurance in the past few days. I hope it can be helpful to everyone.

The insurance company advanced 18,000 yuan