Owner's notice: how much is it to buy third party insurance?

What is the most important thing in our daily driving? Is safety. Driving safely is not only for your own life safety and avoiding property losses, but also for the safety of others. Some time ago, a traffic accident went on a hot search. On July 5, a van turned over the solid line and collided with a Rolls-Royce Cullinan on Wanjiali Road in Kaifu District, Changsha. As we all know, Rolls-Royce is the top luxury brand, and Cullinan is the top SUV in the world at present. What matters is whether Cullinan or Blake collided with the van in this accident. Badge version, bare car needs 7.8 million, and the landing price is estimated to exceed100000.

The top luxury cars are seriously damaged, which can be described as sky-high maintenance, not to mention the Rolls-Royce Cullinan Special Edition. According to the follow-up maintenance order, Cullinan Black? The total price of spare parts for badge maintenance is 2377000 yuan, excluding working hours. Because the van turned over the solid line, it was mainly responsible. Although Cullinan is driving on the normal route, he is responsible for speeding. But the problem is that the third party insurance of the van is only 500 thousand, which is far from enough to pay. The owner of the van pays millions of dollars, and the pressure can be imagined.

Some people may say that this is only an extreme situation, and whoever sees the top luxury car is not far away. Yes, such cases are really rare. But we need to be clear about such a data. According to the statistics of the Ministry of Public Security, as of June this year, the number of motor vehicles in China was 360 million. We can also clearly feel that there are more and more motor vehicles on the road. In fact, if it's just a plane crash and there are no casualties, it's not too much trouble to deal with it. The trouble is that there are casualties. According to the latest compensation standard for traffic accidents, if you are the main person responsible for traffic accidents, is your third party insurance enough to compensate?

When a traffic accident happens, the consequences are uncontrollable. Therefore, if you want to know whether your third-party insurance is high enough, you must first understand the amount of compensation and how it is calculated. A key data needs to be clarified here, that is, per capita income. This has a lot to do with the amount of compensation. Because the per capita disposable income of rural residents in different provinces and cities is different, I only take Guangzhou as a reference here.

Death compensation

The calculation method of death compensation is as follows: death compensation = per capita income of towns (rural residents) in the last year where the appeal court is located ×20 years. According to the statistical bulletin, the per capita disposable income of urban permanent residents in Guangzhou in 20 19? 65052? Yuan, per capita disposable income of rural residents 28868? Yuan. Then the death compensation is about this, 65052×20 = 130 10.4 million (town standard); 28,868× 20 = 5,773.6 million (rural standard).

Disability compensation

If no one died in the accident, but someone was disabled, how to calculate the compensation amount? The specific calculation method is disability compensation = per capita income of towns (rural residents) in the last year where the appeal court is located × disability coefficient× compensation period. Then disability compensation is probably this. The urban standard is 65052× 100%×20 (first-class disability), 65052×90%×20 (second-class disability) ... and so on, and finally 65052× 10%×20 (tenth-class disability). Rural standards can be calculated by replacing the per capita income of urban residents with the per capita income of rural residents. In addition, if the victim does not constitute disability, there is no disability compensation.

Dependent living expenses

If the victim has minors who should bear the obligation of support according to law, or adult close relatives who have lost their ability to work and have no source of income, then they can apply for corresponding compensation. The specific calculation method is that the living expenses of the dependents = the per capita annual consumption expenditure of urban residents (rural residents) in the last year where the appealed court is located × the years of support. If the dependent has other dependents, the compensation obligor is only responsible for compensating the part that the victim should still bear. In addition, if there are multiple dependents, the total annual compensation shall not exceed the annual per capita consumption expenditure of urban residents (rural residents) where the Court of Appeal is located in the previous year.

funeral expenses

If the victim dies in an accident, the calculation method of funeral expenses is funeral expenses = the average monthly salary of employees in the last year where the court of appeal is located ×6 months.

You think this is gone? There are also medical expenses compensation (medical expenses+medical expenses+hospitalization expenses+others), mental damage compensation, lost time and so on. Do you feel lucky that you are seeing stars? The traffic slogan "Thousands of roads, safety first, irregular driving, two lines of crying for loved ones" is not for joking, but behind it are countless tragedies. Then, in this case, should the third party insurance directly cover the maximum amount? That's not true.

You should buy third-party insurance, but you should choose according to your income level, and don't blindly buy high insurance coverage. According to the economic conditions and living standards of our district, combined with the above-mentioned death compensation, funeral expenses, living expenses of dependents, medical expenses, lost time, etc., we can work out an approximate amount of money. And then look at which level of third-party insurance protection to choose. In addition, the coverage of compulsory insurance is 1 1 10,000, so remember to buy one without deductible. In short, the more developed a city is, the more careful it is to choose third-party insurance protection. If the third party insurance coverage is low, it is likely to lose everything after a traffic accident. Finally, the car mainly knows that third-party insurance must be bought, but the best "insurance" is its own traffic safety awareness.

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This article comes from car home, the author of the car manufacturer, and does not represent car home's position.