Can you buy traffic insurance at 12123. How much is the first year of compulsory insurance

Can you buy traffic insurance at 12123.

Compulsory insurance is the business of insurance companies and can be purchased from any property and casualty insurance company.
The traffic police won't accept it.

How much is the first year of compulsory insurance

How much does it cost to keep a family car for a year? Usually we buy a car, in the use of the process will rarely calculate the late a use of the cost, today we take 10 to 20 million cars as an example, calculate what are the essential costs per year? Friends who can not remember to praise the collection, especially lesbians ah. Look at your husband has not fooled you. The first insurance, compulsory insurance, commercial insurance, this is a must buy every year, add up to about 3000 to 4000 or so, we take 3500 to calculate. Second, the cost of fuel, we average 600 dollars a month of fuel costs, a year is calculated to be about 7200 dollars. Third, maintenance, we need to maintain two to three times a year, an average of 500 dollars, our yearly maintenance cost is 1500 dollars. Fourth, car wash parking fees. Parking is also a not insignificant expense. We wash the car on average twice a month. Once 50 dollars. A year then 1200 dollars. Parking fees we in accordance with an average of 200 yuan a month, a year, then, 2400 yuan, which the above items add up to a total of 15,800. In addition, we also have to take into account the vehicle's violation of laws and regulations, travel highway fees, the vehicle's annual inspection and maintenance costs depreciation costs not counting the whole thing down, a year in the average of about 20,000 yuan in the cost. How about all understand? Do you think it is reasonable?[Smiles]

What is the premium for third party liability insurance for 1 million dollars

Third party liability insurance 1 million, the base premium of $1650, due to different insurance companies, the same insurance company varies from region to region, if the renewal of the policy is related to the payout rate (the amount of claims / the previous year's signing premium), the number of times of insurance, no insurance for many years can be cheaper to more than $800.

Legal basis: Article 8 of the Motor Vehicle Insurance Provisions stipulates that the maximum indemnity limit of third party liability insurance for each accident is divided into five indemnity levels of 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan and 1,000,000 yuan, and the insurance cost is 800 yuan, 1,040 yuan, 1,250 yuan, 1,500 yuan and 1,650 yuan, and the insured person can voluntarily choose to take out an insurance policy. This provision stipulates the maximum compensation limit for each accident of the third party liability insurance and is also the basis for the insurer to calculate the insurance premium.

How much does compulsory insurance for small cars cost per year?

As the saying goes, driving a car is fun for a while, but car ownership is two lines of tears.

When you have a car, you feel convenient to go anywhere, no need to squeeze the subway, squeeze the bus, have a separate "small space", feel very happy.

But when the car needs maintenance and you have to buy car insurance, you can't help but feel your wallet tighten.

However, car insurance is every car owner has to buy, especially the compulsory insurance, not to buy is illegal, but not that only buy compulsory insurance can be? Of course not, only buy compulsory insurance coverage is far from enough.

So what other car insurance is required in addition to the compulsory insurance? And what are the premiums? See:

Focus of this article:- What does compulsory insurance cover? How much does it cost per year?

- Components and limits of compensation of compulsory traffic insurance

- How do I make a claim on my insurance policy?

A. What does compulsory insurance cover? How much does it cost a year?1. What does compulsory insurance cover?

Compulsory traffic insurance, full name of compulsory motor vehicle traffic accident liability insurance, is a mandatory liability insurance by the insurance company for the insured motor vehicle road traffic accidents caused by the victims (excluding the vehicle personnel and the insured) of personal injury and death, property damage, within the limit of liability to be compensated.

Simply put, it is as long as we have a car must buy this insurance in order to drive on the road, do not buy compulsory insurance is an offense, so car owners have a car must be on the compulsory insurance Oh.

So how do you define a victim in the definition of compulsory insurance?

For example, if a person is accidentally hit by a car, the one who is hit is the victim; if a car is hit, the owner of this car is the victim, and if other people in this car are also injured, these people are also the victims; and if public property such as street lamps are accidentally hit, the Government is the victim.

2. How much does compulsory insurance cost per year?

The base rate of compulsory insurance is divided into 42 types, including family-owned vehicles, non-operational buses, business buses, non-operational trucks, business trucks, special vehicles, motorcycles and tractors, and other 8 major categories and 42 subcategories of models. However, the base premium for the same model is the same and is standardized across the country.

The premium for compulsory insurance for family-owned automobiles (private cars) with less than 6 seats is 950 yuan, and the premium for family-owned automobiles (private cars) with more than 6 seats is 1,100 yuan. The premium for a business non-business automobile with less than 6 seats is 1,000 yuan, and the premium for a business non-business automobile with 6-10 seats is 1,130 yuan.

The latter premiums are based on whether the car owner has been involved in a culpable traffic accident and the number of times he or she has been insured:

If there is no traffic accident in one consecutive year, the premium of compulsory insurance will be discounted by 10%; if there is no traffic accident in two consecutive years, the premium of compulsory insurance will be discounted by 20%; if there is no traffic accident in three consecutive years or more, the premium of compulsory insurance will be discounted by 30%; if there is one traffic accident in the previous year that does not involve fatality, the premium of compulsory insurance will be restored to the initial price; if there are two traffic accidents in the previous year that do not involve fatality, the premium will be increased by 10%; if there is a traffic accident in the previous year that involves fatality, the premium will be increased by 30%. In addition, the new auto insurance reform regulations have adjusted the discount for compulsory insurance from the minimum discount of 30% to 50%, which means that if you have not been involved in a traffic accident for 3 consecutive years or more, you will be able to get a discount for compulsory insurance. If you have not been involved in a culpable traffic accident for three consecutive years and more, the premium can be discounted by a minimum of 50%, which is a great discount for good car owners.

However, the compulsory insurance rates to implement the floating mechanism linked to the insured motor vehicle road traffic safety violations, traffic accident records. That is to say, the number of accidents out of insurance, but also related to traffic safety violations, such as driving under the influence of alcohol, running red lights, violations and other hazards to traffic safety, but also on the compulsory insurance for the next year's premium discount.

So the final premium for compulsory traffic insurance = base premium x (1 + variable rate linked to road traffic accidents) x (1 + variable rate linked to traffic safety violations). Traffic safety violation coefficients are carried out according to local standards, but many regions may not have officially used them yet, so you should consult the insurance company you are insured with for the specific standards.

After knowing the coverage and price of compulsory insurance, you have to choose a car insurance company to insure, so how should you choose? Which car insurance companies are better? Please see:

II. Compensation limits and compensation contents of compulsory traffic insurance 1. Compensation limits of compulsory traffic insurance

The compulsory insurance policy is based on the "no-fault principle", which means that the insurance company will compensate the third party victim regardless of whether the car owner is responsible for the accident.

Car insurance limits before the reform were:

The maximum compensation for a culpable traffic accident is $122,000, with a limit of $110,000 for death and disability; $10,000 for medical expenses; and $2,000 for property damage.

The maximum compensation for a no-fault traffic accident is $12,100, with a limit of $11,000 for death and disability; $1,000 for medical expenses; and $100 for property damage.

The limits of compensation after the car insurance reform (Sept. 19) are:

The maximum compensation for a culpable traffic accident is $200,000, with a limit of $180,000 for death and disability; $18,000 for medical expenses; and $2,000 for property damage.

The maximum compensation for a no-fault traffic accident is $19,900, with a limit of $18,000 for death and disability; $1,800 for medical expenses; and $100 for property damage.

In contrast, the car insurance reform after the compulsory insurance compensation amount increased, that is, compensation in the hands of the victim more money, the owner of the out-of-pocket part of the money is less compensation.

2. Components of compulsory insurance

Death and Disability Compensation and No Liability Death and Disability Compensation:

Within the compensation limit, it is responsible for compensating funeral expenses, death compensation, transportation costs incurred by the victim's relatives in handling funeral matters, disability compensation, disability aids, nursing care, rehabilitation costs, transportation costs, living expenses of dependents, accommodation costs, lost wages, and the compensation for moral damages borne by the insured person in accordance with the court's judgment or mediation.

Compensation for medical expenses and compensation for non-liability medical expenses:

Within the limit of compensation, it is responsible for compensating the costs of medicine, medical treatment, hospitalization, hospital meal allowance, necessary and reasonable follow-up treatment, cosmetic surgery and nutrition.

In addition to compulsory insurance, which car insurance is a must and which is on demand, this car insurance policy strategy is worth a look:

三、交强险如何交强保险赔赔?1. 交强保险的索赔流程:

Step 1: Report and survey

First call the 122 traffic police for the record, then call the customer service number of the insurance company you are insured with to report the case, and if there are any injuries or deaths, you should also call 120 immediately.

Then the insurance company will send staff to investigate the accident scene, and you can also ask the insurance company to pay or advance the rescue expenses according to the actual situation.

Step 2: Submission of information and payment of claims

The insurance company will notify the vehicle owner in writing of the need to provide proof and information related to the claim within 1 working day from the date of receipt of the claim.

Then the insurance company, within 5 working days from the date of receipt of the proof and information, will act as a decision on whether it is covered by the insurance and inform the owner of the car whether it will be able to pay, and whether it is liable or not liable.

If it is not payable, the insurance company will inform the owner in writing of the reasons. If it is payable, an agreement will be reached with the owner to pay the insurance premium and the premium will be paid after 10 days.

However, the claim process for compulsory insurance will be a little different from the claim process for commercial car insurance, so if you have commercial car insurance and want to know the claim process, you can look here:

2. Information on compulsory insurance claims:

① The insurance policy for compulsory insurance;

② Claim application form issued by the insured;

③ Valid identification of the insured and the victim, the license of the insured motor vehicle and the driver's license of the driver;

④ Certificate of accident issued by the management of public security organs, or relevant legal documents and other certificates issued by the People's Court or other organizations;

⑤ If the insured person chooses to deal with the traffic accident by self-negotiation in accordance with relevant laws and regulations, he/she shall provide an agreement documenting the traffic accident in accordance with the Provisions on Traffic Accident Handling Procedures;

(vi) Proof of the extent of the victim's property damage, proof of the degree of personal disability, relevant medical certificates, and lists of relevant damages and bills of expenses;

(vii) Other certificates and information relevant to confirming the nature, cause and extent of loss of the insurance accident.

In addition, when buying car insurance, often fall into some misunderstandings, such as in order to save money on the amount of coverage to buy less, car insurance expires in a few days and then renew it does not matter, etc., so buy car insurance, must avoid these pits:

Want to buy a good insurance, just read this article is not enough! If you still can not pinpoint their own situation, the configuration of the insurance doubts, you can find a sister for detailed consultation - attention [school bully said insurance] public number , which has all kinds of insurance knowledge, the latest insurance product introduction, to help you buy insurance is not pit!

Write in the end I'm Scholars Speak Insurance - Waner, focusing on objective, professional and neutral insurance reviews;

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