What is the use of compulsory insurance to pay for people?

The basic composition of China’s automobile insurance is compulsory insurance + commercial insurance (other optional insurance is also available). In fact, when we pay insurance every year, we will complain that I have bought thousands of commercial insurance. Why do I have to bring one? To pay high insurance? What is the use of strong insurance? Why don't you have to pay for dangerous insurance? Then Xiao Bian consulted the traffic police uncle to give everyone the popularity, the role of strong insurance is 啥, how much can be lost?

Traffic insurance, as the name suggests, is mandatory liability insurance for motor vehicle traffic accidents, and the insurance company makes claims for the various casualties and losses of victims of traffic accidents.

What is the payment of compulsory insurance?

Traffic insurance is generally not in touch with us. The traffic insurance will detect whether the owner is “responsible” or “without liability” after a traffic accident. The difference between commercial insurance and insurance is based on the liability of both parties.
When determining the responsibility of the owner

If it is determined that the owner is responsible, the maximum compensation for the TAC insurance is 122,000 (the highest death toll is 110,000, the medical cost is 10,000, and the property loss is 2,000, which has nothing to do with the size of the owner's liability), as long as the owner’s compensation is determined to be paid in accordance with the maximum limit.

When it is determined that the owner is not responsible

After the accident, the maximum claim for compensation is RMB 12,100 (11,000 yuan for death and disability compensation, 1000 for medical expenses, and 100 yuan for property damage insurance). Compensation is also based on responsibility.

What if you don't buy a strong insurance?

Strong compulsory insurance is a compulsory insurance of the state. Only when you purchase a compulsory insurance can you register. However, simply speaking, you do not buy a strong insurance, and you cannot directly go on the road. That is, if you have a car, you have no car.

Article 39 of the Traffic Insurance Risks Regulations stipulates that: If a motor vehicle is not insured by a strong insurance policy, once it is investigated, it may impose a fine of 2 times the insurance premium with a minimum liability limit. In layman's terms, it is illegal to be punished for violating the rules. There is no strong risk insurance even if you buy it again.

In simple terms, it is to be fined for being arrested, and the subsidy will be deducted and penalized after buying a strong insurance policy.

The wrong practice of car insurance:

Many drivers feel that their skills are good; caution will not be an accident; so in order to save money, so in the car's annual insurance which only buy strong insurance, there are many owners will say that buying so many commercial risks but also buy strong insurance, how have to To force a certain buy strong insurance.

However, Xiao Bian advises the owners who only pay for compulsory insurance, although the amount of compensation for the liability insurance pays you 122,000 yuan in compensation, but if there is a serious accident, the other party is life-threatening, do you feel that your strong insurance is enough to pay? Surgical fees, mental damages, lost time, hospital fees, etc., add up to a million dollars.

Therefore, we must pay more attention to our own other business while we buy a strong insurance, because many times you are not afraid of 10,000, and you are afraid that if you are afraid to spend more than a few hundred dollars to buy a one-person liability insurance, absolutely nothing but harm.
Because most people are unconscious, many things do not know if they do not. If something happens, you have no money, you can't afford to lose it, but you have to go to jail, so the state will ensure that the safety of the victims will be the same. Compulsory insurance purchase.

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