What are the consequences of buying only compulsory traffic insurance?

What are the consequences of buying only compulsory traffic insurance? Let me tell you two short stories first. One is the perpetrator and the other is the victim. Both are tragic enough.

I have a buddy who drives a truck in a state-owned automobile fleet. He is a professional driver with more than 20 years of driving experience. However, their work site is closed, and the car does not drive on the road, but only drives around the site. , the maximum speed does not exceed 40 kilometers. The salary is really low, which seriously holds back the motherland. It is far behind the data from the Bureau of Statistics. I have worked hard to save a little money over the years, but when I saw others buying cars, I felt itchy in my heart. I discussed with my wife that I also wanted to buy a car. My daughter-in-law disagreed at first, saying that our income was too low. We had saved so little money over the years, but we still had to save it to cross the river. But he insisted on buying it, and started a cold war if he disagreed. In the end, his wife couldn't help him acting like a monster, so she spent all her savings over the years and bought a joint venture car worth about 100,000 yuan. In order to save money, he only bought compulsory traffic insurance and no other insurance. He said that he had been a driver for more than 20 years, so did he still need insurance when driving? Anyway, I only use it when commuting to and from get off work, and rarely drive it at other times. If I be careful and drive slowly, nothing will happen.

There is a devil's law, which says that the more people fear something, the more likely it will come. He did drive carefully and his driving skills were indeed good, but misfortune still struck. One day after the night shift, it was raining lightly and a little foggy. There were few cars on the road, so he drove a little too fast. There was no street light at a corner. As soon as he turned the corner, he heard a "bang" and the car stopped. He subconsciously knew: he had hit someone! When I got out of the car, I saw an old man lying in front of the car. He quickly called 110 and 120 and sent the old man to the hospital. Unfortunately, the old man died despite ineffective resuscitation. Then the traffic police's accident determination letter came down: the old man was walking on the sidewalk and he was fully responsible. The other party's children simply went to court to sue him without even talking to him.

This is an unequivocal verdict. He is fully responsible for hitting and killing the person, and he is fully charged with causing a traffic accident. The deceased had just retired, and the final calculation of the death compensation was more than 600,000 yuan. However, because he did not buy commercial insurance, the compulsory traffic insurance only compensated 110,000 yuan, and the remaining more than 500,000 yuan had to be paid out of his own pocket. But how can he have so much money? In the end, he sold the house and borrowed some money from relatives, which paid the death compensation, but there was no extra money for the other party to forgive. As a result, he was sentenced to three years in prison, lost his job, and his wife also divorced him. Divorced. This is a tragedy caused by a car. I saw him coming out some time ago. After chatting for a while, he said that he would never pretend again in this life, and would never do anything like buying a horse and not being able to afford a saddle. If he bought one, The car still lacks the insurance money, so it is better not to buy this car.

Let’s talk about an even worse one. He's in our neighborhood, he's in his forties, he's a nice guy, everyone knows him. One night I was out for a walk and I needed to cross a road on my way back. Just when he reached the middle of the road, a Boss Sang sped by and knocked him flying. When he woke up, he was already lying in the hospital with a comminuted fracture of his right leg. The party responsible for the accident was a young man whose family was in a rural area. The boss's car was more than ten years old and his family spent thousands of dollars to buy it for him. The only insurance available is compulsory traffic insurance. I believe that if compulsory traffic insurance was not compulsory, he would not buy a penny of insurance.

After the party responsible for the accident sent him to the hospital, he never showed up again. All the expenses were paid by himself. Because the knee was seriously injured and later became infected, I had no choice but to have it amputated. Even the knee of my right leg was not saved. The medical expenses cost hundreds of thousands, not counting the cost of the prosthesis. The traffic police determined that the other party was solely responsible and should pay the full amount, but the other party did not show up at all, saying that he had no money and that he would contact the traffic police or the insurance company if something happened. However, the medical compensation limit of compulsory traffic insurance is only 10,000 yuan. What about the subsequent expenses? I have no choice but to go to court and sue.

There is no suspense in the court’s decision. The other party must pay full compensation, but the party responsible claimed that it had no money. This young man is not married yet, has no job, and lives with his parents. The Court Enforcement Bureau went to his house once. It would be an exaggeration to say that the house was bare, but there really was no enforceable property, no money in the bank, and no money to borrow. In the end, the court had no choice. It said that if there was no compensation, it would have to impose a real sentence. The other party also admitted it, and the sentence was one and a half years. It should be out now. But the injured were miserable. They became disabled in their forties. Their family savings were all spent. They were unable to work and had no income. They suddenly went from a well-off family to an urban poor.

A car accident destroyed two families in an instant.

The above two stories are real examples and are by no means fictional. Driving on the road now, if you only have compulsory traffic insurance, is like running naked, because the protection of compulsory traffic insurance is really too low. Its medical expense compensation limit is 10,000 yuan, death and disability compensation limit is 110,000 yuan, and property damage compensation limit is 2,000 yuan. But now for any accident, the compensation amount is far higher than that. Just repairing an ordinary car will cost thousands of dollars; if it hits someone, it will cost several thousand dollars to go to the hospital for a checkup, and even tens of thousands of dollars for hospitalization will not be enough; if unfortunately it kills someone, That would be even worse. Now the death compensation for citizens is around one million yuan, and the death compensation for farmers is hundreds of thousands of yuan. If you don't have money to compensate, you may go to jail, lose your job, and put a black mark on your life.

So if you only have compulsory traffic insurance on your car, it is really too dangerous. If you have an accident, you may cause huge financial losses to yourself, or even go bankrupt. Some people have a terrible thought, saying that if there is no accident insurance, it will be in vain, but if an accident occurs, insurance can save your life. I think that current cars must have at least one million third-party liability insurance, plus no deductibles, so that it can basically cover the vast majority of accident compensation. In fact, the insurance premium is not very high. An ordinary family car costs more than 1,000 yuan, which is equivalent to spending 100 yuan a month to buy Ping An. This deal is still a good deal.

For many car owners, the annual car insurance cost is a large expense. Among many car insurance products, compulsory traffic insurance is a must, otherwise the motor vehicle will be allowed to go on the road. So is it okay to just buy compulsory traffic insurance? What are the dangers of buying only compulsory traffic insurance for car insurance? Let’s analyze it!

What are the dangers of buying only compulsory traffic insurance for car insurance?

Although motor vehicles with compulsory traffic insurance can be driven on the road, it is still not recommended that you only buy compulsory traffic insurance, because the car insurance does not provide complete protection. Once a car insurance accident occurs, it will cause greater losses to you. It is better to buy only compulsory traffic insurance. The hazards include the following:

1. Compulsory traffic insurance has limited compensation

The compensation amount of compulsory traffic insurance is not high. If the car owner is responsible, the maximum compensation for death and disability is 110,000 yuan, and medical treatment The maximum compensation for expenses is 10,000 yuan, and the maximum compensation for property damage is 20 million yuan. The car owner is not responsible. The maximum compensation for death and disability is 11,000 yuan, the maximum compensation for medical expenses is 1,000 yuan, and the maximum compensation for property damage is 100 yuan. Expenses exceeding the limit can only be borne by the owner.

2. The compensation for crashing into a luxury car is high

In first-tier cities, luxury cars can be seen everywhere. A casual car collision will cost tens of thousands of yuan. If you really hit it, then it is not It’s as simple as tens of thousands of yuan. At this time, the maximum compensation for compulsory traffic insurance is only a thousand yuan, and the remaining expenses can be imagined. If you purchase three-liability insurance, you can greatly reduce your losses.

3. Loss of your own vehicle

Compulsory traffic insurance compensates the injured party in a car insurance accident, so the loss of your own vehicle is also borne by you. If you have car damage insurance, it can be covered by the insurance The company bears it.

That’s all for talking about the consequences of buying only compulsory traffic insurance for car insurance. I hope it will be helpful to you.

First of all, the consequences are not optimistic.

First, in terms of property loss compensation, the property loss compensation limit of compulsory traffic insurance is only 2,000. If an ordinary car of about 100,000 yuan is repaired in a 4S shop, a light bulb will cost 3,000-5,000. Insurance The bumper costs 2,000-4,000, not to mention replacing the doors, gearbox, etc. If you hit someone else and you are deemed primarily responsible, you will have to affix the insufficient part yourself. Oh, the above mentioned is only someone else's car. It is impossible that your car will not be damaged at all. Your car will have to be completely damaged. If you pay for the repair yourself, the compulsory insurance will not pay for it! If you think about it casually, you will calculate this account.

Secondly, in terms of personal injury compensation, the maximum compensation amount of compulsory traffic insurance is only 110,000 yuan. Now the death compensation is often more than 1 million yuan. Even if the 110,000 compulsory insurance is paid, the remaining amount is not enough for most ordinary people. For families, the amount is still astronomical. Besides, we haven’t counted our own personal and property losses, so you should understand.

To sum up, if your car runs a lot, it is still strongly recommended that you pay commercial insurance. The three insurances should be at least 500,000, and preferably 1 million, which is safer.

This is responsible for others, as well as for yourself and your family. For reference, I hope it helps you, thank you!

Compulsory traffic insurance is also called compulsory motor vehicle traffic accident liability insurance. It is a type of insurance that must be purchased as long as you have a car. The total insured amount of compulsory traffic insurance is ***122,000, which is divided into three parts: first, if the other party is killed or totally disabled, the insured amount is 110,000; second, if the other party is injured and the medical expenses are injured, the insured amount is 10,000, and the other party's property is damaged. The insured amount is 2,000 yuan. Therefore, the coverage amount of compulsory traffic insurance is very low. If you have limited protection in a traffic accident, it is recommended to purchase compulsory traffic insurance and commercial insurance together.

Car insurance is divided into compulsory traffic insurance and commercial insurance, and the vehicle and vessel tax collected is not included. Commercial insurance is divided into main insurance and additional insurance. The main insurance includes vehicle damage insurance, third party insurance, theft and rescue insurance and driver and passenger insurance, and there are even more additional insurances. Except for the three types of insurance as a supplement to compulsory traffic insurance, no two types of insurance have the same functions. In other words, each type of insurance covers one kind of liability. More is not always better, it depends on whether you need it.

If you just protect the traffic, then you accidentally get into an accident while driving, hit a tree or hit a pig. There are several possibilities. If the first person is fine, then the cost incurred will be the cost of repairing the car. Compulsory insurance will not care about paying this money. What is needed at this time is car damage insurance; if you are also injured, the cost incurred will also include hospitalization expenses. , medical expenses, lost work pay, etc. What is needed at this time is driver’s insurance. Generally speaking, most people buy driver’s insurance for 10,000 yuan. Basically it is not enough and supplementary medical insurance may be needed. Then the pig owner comes to you to compensate. Well, the compulsory traffic insurance is useful at this time, and it can compensate you two thousand yuan. Yes, the compulsory traffic insurance compensation for property damage is only 2,000 yuan. If you hit a Bentley, the effect of the three-party insurance will be revealed at this time. You have to pay for the part above 2,000 yuan out of your own pocket. Even if you hit an Audi without three-way insurance, it will be enough for you. You can choose between 1 million or 500,000 when applying for insurance, and the difference in premium is only three to two hundred yuan.

In addition, let’s talk about additional insurance. There is a non-deductible insurance in the additional insurance. What does it mean? It means that you bought the main insurance of commercial insurance, such as third party insurance and car damage insurance. If you don’t buy it, Excluding deductibles, the insurance company will only pay 70%. If you buy it without deductibles, it will pay 100%. Water insurance, you need to buy it depending on the situation in the south, such as places with frequent floods. Note that if the engine of a car with water-related insurance is flooded and stalls, be sure not to re-ignite the car, as the second re-ignition will not compensate you. There are also the inability to find a third party, the glass being broken alone, etc. I won’t list them one by one.

Car insurance is the same as life insurance. Different types of insurance have different functions. You can’t buy it to damage your car and ask the insurance company to pay for it if you hit someone. You can’t also cover the damage to your car and claim it was a crash if your car is lost. . It's like buying a pension insurance and being hospitalized and asking the insurance company to get the money.

So do you understand what I said? When buying insurance, do you consider the issue of driving and how your skills are? If you are confident to avoid these, then just buy Jiaoqiang! Choose what you need according to your own situation. Whether the insurance pays or you pay yourself, this is a gamble, it depends on which end of the scale is more important!

This is a question about "naked cars" and "naked" car owners!

Interesting!

Why are some car owners willing to let their cars "run naked"?

Now, the automobile market has matured, and it has also cultivated a large number of "mature" car owners. However, their so-called "maturity" refers more to their "little cleverness" in taking advantage of the cost of vehicle use. According to the survey, most car owners who only purchase compulsory traffic insurance but do not want to purchase commercial insurance let their cars run naked. The main reason is that they are particularly confident in their driving skills.

What are the risks of "naked cars"?

Just because your driving skills are good does not mean that other people's driving skills are good; if you do not break the rules, it does not mean that others will not break the rules; if you drive sober, it does not mean that others are not drunk drivers. So, if you don't bump into others, others may bump into you. Besides, the maintenance cost of some cars is very high, and insurance will provide protection. Otherwise, if an accident occurs, the cost borne by the owner of the "naked car" will be huge.

Why can’t you ignore commercial insurance?

This kind of fluke mentality of "naked car" owners is not advisable. If a major traffic accident occurs or large losses are caused, the compensation from compulsory traffic insurance alone is far from enough. Why? Because the maximum compensation limit for property losses under compulsory traffic insurance is only 2,000 yuan.

If you touch a luxury car, you can't even afford to pay for the other party's headlights. Therefore, we advise owners of “naked cars” not to ignore commercial insurance when buying car insurance!

1) If you don’t want to spend more money, you must at least buy third-party liability insurance in commercial insurance.

2) If you don’t use your car very much, just choose an insurance coverage of 200,000 yuan, which is enough to cope with normal situations. This is also the choice of most car owners.

3) If you are a novice and your driving skills are not very good, you should choose an insurance coverage of 500,000 yuan. Although the insurance premium will increase accordingly, you will feel more at ease when driving.

It is not recommended to only buy compulsory traffic insurance. I am engaged in legal work and encounter a large number of traffic accidents every year. In mild cases, people suffer injuries and bones, and in serious cases, families are destroyed and people die. No matter what the situation is, compensation is inevitable. At present, the maximum compensation for compulsory traffic insurance in our country is only 122,000 yuan. In an ordinary traffic accident, the victim’s loss of 30,000 to 50,000 yuan is considered light. If it constitutes disability, the economic loss will be The loss basically amounts to more than 100,000 yuan. If death occurs, the loss may reach millions. If you only purchase compulsory traffic insurance, the maximum insured amount of 122,000 yuan is far from enough to compensate. At this time, the car owner needs to bear the liability for compensation. Once the car owner cannot come up with so much money to compensate, the victim will be the most pitiful, and the car owner himself will also have to bear the responsibility. huge debt. Therefore, it is recommended that car owners not only purchase compulsory traffic insurance, but also purchase a commercial insurance of more than 1 million yuan, just in case. This is not only a protection for themselves, but also a protection for others.

I am happy to answer your question:

As for what you said about buying insurance and only buying compulsory traffic insurance, in fact, this is an irresponsible behavior towards yourself and others. Why is this? Speaking of Ni, let me answer them one by one below:

As the name suggests, compulsory traffic insurance is the insurance that the state requires you to pay. Under normal circumstances, if the vehicle does not buy compulsory traffic insurance, it cannot be driven on the road. In the event of a traffic accident, regardless of whether you have No liability will be deemed full liability.

Generally speaking, when buying vehicle insurance, it is rare to only buy compulsory traffic insurance. Except for those with a long life and a long-lasting vehicle, some people only buy this type of insurance in order to save money. Little do they know that this is a very dangerous type of insurance. behavior.

Compulsory traffic insurance compensation standards are generally classified as follows:

1. If a traffic accident occurs and the vehicle is primarily responsible, the maximum compensation standard for causing death or disability of the other party is 110,000 yuan. The maximum compensation standard for hospitalization medical expenses is 10,000 yuan, and the maximum compensation standard for property losses caused to the other party is 2,000 yuan.

2. If a traffic accident occurs and the vehicle is not responsible, the maximum compensation standard for the death and disability of the other party is 11,000 yuan, and the maximum compensation standard for hospitalization medical expenses is 1,000 yuan, and the maximum compensation standard for the other party's property damage is The maximum compensation is 100 yuan.

After seeing this, I don’t know if you will still choose to simply buy compulsory traffic insurance. We only have one life, and we are responsible for both ourselves and the lives of others.

We hope our answers have inspired you. Thanks.

Let me express my personal opinion based on my husband’s personal experience. Don’t skip commercial insurance and only pay compulsory insurance just to save money. My husband and I are both born in the 1980s, and our family is an ordinary rural family, which is not considered poor. , but not rich either. When I first started working, I really liked cars. I saved up money for several years. When all my friends objected, I insisted on buying a car. It was because my family was not living up to expectations. I didn’t have that much money at the time. I only paid compulsory traffic insurance. In the third month after taking possession of the car, there was a major car accident. My husband was not at fault, and three people were seriously injured. We did not seek compensation for minor injuries. In the end, we had to bear nearly 100,000 yuan in compensation. It was really overwhelming. Of course, I don’t hope that everyone will have a car accident, but with commercial insurance, I definitely can’t spend so much. So I still feel that I have a guarantee that I won’t be too anxious when I don’t need the best. [Pray]

If you don’t get out of danger, the consequence is to save a little bit of insurance premium.

If you are in an accident, the consequence will be that your car will need to be repaired at your own expense.

If you hit someone else or damage someone else's property, you have to pay for other people's medical treatment and compensate for other people's losses!

The compensation amount of compulsory traffic insurance is too small.

Currently, the basic insurance amount of compulsory traffic insurance is up to 11 yuan for death and disability, up to 10,000 yuan for medical expenses, and up to 2,000 yuan for property losses. If the car owner is not responsible, the maximum liability for death and disability is 11,000 yuan, the maximum medical expenses are 1,000 yuan, and the property damage is 100 yuan.

The excess amount shall be borne by yourself.

Nowadays, there are many cars and people on the street. A slight bump or something is not a big deal. It can be solved with a few hundred yuan. But if there is a scratch with a luxury car, it happens to be... Assuming the main responsibility, then the three commercial parties will be used. After all, the maintenance cost of a luxury car can range from a few thousand to tens of thousands, which is not a small amount.

Personal suggestion, if the probability of using the car is relatively high, it is recommended to choose full insurance, especially the three insurances. You must buy 1 million, so that if something happens, there is a good place to compensate.