1
What is the use
vehicle liability insurance is responsible for a vehicle accident compensation the cost of the loss of the car driver or passenger casualties caused by reasonable and necessary rescue of insurance, the cost of protection in order to reduce losses and pay.
2
Cost Calculation
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premiums
= liability insurance premiums insurance amount × premium rate number × car seat
into vehicle liability insurance The driver and passenger position location, both rates are different. Common insured amount is generally divided into 10,000, 20,000, 50,000 and 100,000. Insured passengers must be unified, the driver can choose the sum insured separately. (Note: The specific insurance coverage to insure the insurance company subject)
Example: a 5 family car, purchased separately insured sum is 20,000 yuan driver position and the position of the passenger vehicle liability insurance, driving premium = insured driver member (20,000 yuan) × 0.41 × 1 person = percentage of 82 yuan. Premium passenger insured passengers = (20,000 yuan) × 0.27 × 4 percentage of people = 216 yuan.
claims algorithm
(a) the amount of compensation when the insured person’s responsibility for the accident proportionally higher than the compensation limit per seat:
each seat indemnity compensation limit = × (1- accident liability franchise) × (1- absolute franchise)
(b) the amount of compensation when the insured person’s responsibility for the accident in proportion equal to or lower every seat in the compensation limit:
= claims bear Amount × (1- responsibility for the accident franchise) × (1- absolute franchise)
3
Did you know?
· board officers liability insurance, also known as car seat liability insurance or vehicle liability insurance, commercial vehicle insurance is a major risk.
absolute franchise
· If the purchase did not purchase the vehicle officers liability insurance additional non-deductible corresponding to the accident, according to the different bear responsibility for the accident, the insurance company will have a certain amount.
· accident liability incurred by the insured vehicle driver according to different accident franchise is different.
· pay high insurance mandatory, in preference to commercial insurance, priority to pay high insurance compensation when the accident occurred, the excess supplementary compensation by commercial insurance.
· board officers liability insurance for the loss of personnel on board when the accident paid, if the accident occurs outside the car who are not within the scope of compensation.
· board officers liability insurance for the occupants driving without a license, drunk driving, riding and other illegal activities and illegal driver’s intentional behavior caused casualties, the insurance company is not liable to pay compensation.
4
insure techniques
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If you like to travel by car with family and friends, or people usually take more vehicles. Novice drivers often or consider buying advice. To the security personnel and the driver of the vehicle to provide a guarantee. 