/kloc-how to compensate for the third party liability insurance of 0/10,000?

If the third party liability insurance is RMB 1000000, the claim shall be settled at 70% of the settlement amount; if the third party liability insurance is not included, the compensation shall be made at 100% of the settlement amount. The loss exceeding the amount insured by the third party liability insurance shall be borne by the insured.

According to article 4 of the third party liability insurance contract? If the insured or its licensed driver has an accident in the process of using the insured vehicle, causing personal injury to a third party or direct property loss, the insurer shall be responsible for the economic compensation that should be borne by the insured according to law.

Article 5? If, with the prior written consent of the insurer, the insured is brought to arbitration or litigation because of the damage caused to a third party by the reasons listed in Article 4, the insurer shall be responsible for compensating the arbitration or litigation fees and other expenses paid by the insured; The amount of compensation shall be calculated separately from the liability limit stated in the insurance policy, and the maximum amount shall not exceed 30% of the liability limit.

Extended data:

Article 6 A third party liability insurance contract? The insurer is not responsible for the following casualties or property losses caused by the insured vehicle, regardless of whether the insured is legally liable for compensation:

(1) Personal injury or death of the insured and his family members, and loss of all or entrusted property;

(two) the personal injury or death of the driver of this vehicle and his family members, and the loss of all or escrow property;

(3) Personal injury or property loss of other personnel in this vehicle.

Article 7? Under the following circumstances, the insurer shall not be liable for economic compensation to a third party for any reason:

(a) Earthquake, war, military conflict, terrorist activities, riots, seizure, confiscation and government expropriation;

(two) during the competition and testing, repair and maintenance in the business maintenance site;

(3) engaging in illegal activities by using insurance vehicles;

(four) the driver drinking, smoking, injecting drugs and using the insurance vehicle after being anesthetized;

(five) the insured vehicle hit and run;

(six) the driver has one of the following circumstances:

1, no driver's license or driving a vehicle inconsistent with the driver's license;

2. Driving without a valid driver's license stipulated by the public security traffic management department;

3, the use of various special mechanical vehicles, special vehicles without a valid operation certificate issued by the relevant departments of the state; Drivers driving commercial buses do not have valid qualification certificates issued by relevant state departments.

(seven) the insured does not allow the driver to use the insured vehicle;

(eight) the insurance vehicle has no valid driving certificate;

(nine) insurance vehicles towing vehicles (including trailers) or other vehicles without third party liability insurance.

Baidu encyclopedia-third party liability insurance