Do not neglect the three commercial vehicle insurance

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There have been asked to call the owner on the cross-third party liability insurance and commercial insurance issues.

Owners have made, since the cross-risk insurance and commercial third-party liability insurance is protection of a third party, then the state compulsory insurance purchased by insurance pay-after it was also necessary to insure commercial third party liability insurance » To purchase option was to the number of security »

Vehicle Insurance Highlights

Miss Zhang has recently prepared car, in order to provide new vehicles to improve protection of the motor car before she had some understanding. In comparison with the cross-risk commercial third-party liability insurance, she found both the subject of protection, the protection of vehicles are in the process of a third party. This allows Miss Zhang had a doubt, since the scope of protection, that is not insured pay can be a strong risk, commercial third-party liability insurance are not insured necessary » Expert Comments

Two types of insurance is really the same object, but in the types of structure, not the same. Taken in complying with the principle of compensation, Mianpei scope of protection under the spirit of damages, such as the big difference:

First, cross-risk follow the principle of no-fault. TAC-risk insurance is the responsibility only to a select accidents and incidents. If the owners can lose is the responsibility of the ceiling, the owner can select no limit is the responsibility of the compensable under 20 percent of commercial third-party liability insurance will be the responsibility of the accident is divided into several levels, has the responsibility to the severity of the points, and driving by the negative The responsibility of determining the limit of insurance compensation, including full responsibility 100 percent, is in charge of 70 percent, with the select 50 percent of the Select 30 percent, but not responsibilities 0%, in other words, if the owners need not assume responsibility in the accident, a third party Liability insurance will be no compensation.

Second, the cross-risk insurance coverage than the commercial third-party liability insurance-Canton. Mian Peishuai no-pay insurance, the deductible in case of accidents, insurance companies will be full compensation; third party liability insurance is Mianpei matters, Mianpei Shuai, if the owner has not insured non-Mianpei insurance, the insurance companies in claims Will be deducted when Mianpei Shuai.

Thirdly, cross-limits unified national security risk in 60,000 yuan of the total liability limits, the implementation of the sub-limits, specifically for death and disability compensation limit of 50,000 yuan and property damages limit of 2,000 yuan. And commercial third-party liability insurance coverage from 50,000 yuan to 100 million divided into many files, the maximum insured amount up to 10 million, when the insurance policy holders to choose from,

Fourth, the spirit of cross-loss insurance costs include compensation, the payment of damages included in the 50,000 yuan in compensation limit death and disability. However, commercial third-party liability insurance, risk of loss, as additional insurance, other insurance needs of policyholders.

From the above we can see that distinction, the scope of cross-insurance claims than commercial third-party liability Xianyao widely, and because cross-risk insurance is mandatory purchase of insurance, prices and relatively low premiums, but the risk of cross-protection is also limit Lower.

Under the existing traffic laws, if a vehicle accident caused the death or other disability, the amount of compensation will be very high, generally up to hundreds of thousands of dollars. Strong pay 8,000 yuan of insurance compensation for medical expenses, 50,000 yuan of compensation for death and disability it is very difficult to cope with such a high level of compensation, if not insured commercial third-party liability insurance, the policyholder is likely to bear certain costs of their own.

Recommendations in the choice of owners, insured or need a certain amount of commercial third-party liability insurance, but it is better not less than 100,000 yuan. Gang Xuehui especially novice driver is driving a vehicle accident-prone high-risk populations, the best third-party liability insurance can be 200,000 yuan to 500,000 yuan or the insured amount. At the same time auto insurance experts also recommended that no additional dollars Mianpei insurance, although this several hundred yuan of premiums, but 000 accident occurred, vehicle insurance claims can provide sufficient protection, will help the owners of economic losses to a minimum.