Insurance lesson: Why must I pay a strong insurance?

If you drive your car out of work all day long, you have paid for it for a long time, but do you know why you have to pay a strong risk?

Every year, motor vehicles are required to cover compulsory liability insurance for motor vehicle traffic accidents, which is commonly known as traffic safety insurance.

1. What is a strong insurance?

Traffic insurance is a law that requires every owner to purchase compulsory insurance. It effectively ensures that the vehicle has the most basic insurance claims in the event of a traffic accident. Especially for some car owners, impoverished owners. Once a traffic accident occurs, the TAC insurance can replace him to complete the financial compensation that is difficult to pay. If the compulsory traffic insurance is not purchased as required, the traffic management department of the public security organ has the power to detain the motor vehicle and impose a fine of 2 times the premium payable.

2. Why buy a strong insurance?

After the compulsory insurance is purchased, a compulsory traffic insurance sign will be issued to the owner, and the sign must also be attached to the front windshield of the car. If not pasted as required, the traffic police may impose a penalty of 1 point and a fine of 200 yuan on the owner.

3, how much money to buy a strong insurance?

The insurance premiums for the TAC insurance are based on the uniform price of the nationwide implementation of the number of vehicle seats, and the number of new cars under 6 seats is 950 yuan a year, and more than 6 seats are 1100 yuan.

If there is no accident insurance during the insurance period, the benchmark premium will be lowered by 10% and the minimum will be reduced by 30%. However, if there are many accidents, the premiums for the coming year will go up, with a maximum increase of 30%, and even be rejected by insurance companies.

4, what conditions do not pay compensation?

Competing is not for the compensation of all accidents, such as intentionally created accidents, drunk driving, and vehicle damage insurance caused during the vehicle's theft.

5. There is a limit to the payment of insurance premiums

The compulsory compensation for victims is limited by sub-items, as follows:

Suggestion: Nowadays, medical expenses are continuously rising, death compensation standards have been increasing year by year, and there are more and more luxury cars on the road. The guarantee limit of 122,000 yuan is obviously insufficient. It is very necessary to supplement commercial third party liability insurance.


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