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Data:2009-12-12 2:34
In automobile insurance, what is called a third party? In the insurance contract, the insurance company is the first party, also known as the first persons; the insured person or virulence are the second party, also known as second persons; In addition to insurance companies and the insured person outside, because the insurance vehicle accidents suffered personal injury or property damage victims of a third party, also known as a third party.
In automobile insurance, select the insurance what are the limitations?
A, third-party liability insurance must be insured, insurance is the "Highway Law" under the compulsory insurance. During the vehicle inspection, vehicle licenses, etc. must be tested whether they are insured third party liability insurance. Other insurance insurance insurance are voluntary.
B, the entire vehicle Daoqiang Xian, automotive goods, dropped liability insurance, broken windshield glass, a separate insurance, vehicle insurance suspended losses, spontaneous loss of insurance, additional equipment, loss of insurance is an additional loss of vehicle insurance insurance, insurance for loss of vehicles must be insured This is only after several additional insurance coverage.
C, vehicle liability insurance (refer to the vehicle officers, namely, the driver of passengers) is a third-party liability insurance of additional insurance, third party liability insurance must be insured only after the insured vehicle liability insurance (refer to the vehicle officers, namely, the driver of passengers ).
D, insurance, excluding special insurance deductible, you must first loss of insured vehicles, while insurance and third party liability insurance.
Whether the insured and the insured must be consistent? If not have any effect?
In automobile insurance, the insured is for insurance and payment of insurance premiums; the insured person is subject to insurance contracts to protect the owner of the car (ie, driving certificate specified in the owner). If the owners for their own motor vehicle insurance policy, then the insured and the insured person is the same; if other people who do not belong to themselves all of the motor vehicle insurance policy, then the insured and the insured person is inconsistent. Both cases are insurance companies allowed.
Inconsistent with the insured and the insured person will have two effects:
On the one hand, the insured person the obligation to live up to pay insurance premiums, the obligation undertaken by the insured, or who is who is to pay insurance premiums.
On the other hand, there is a partial loss of vehicles may be insured to the insurance company claims; vehicles, all losses (such as the vehicles were looted, abandoned vehicles, collisions, etc.), must be insured to the insurance claim, the insured is no such of rights. The insured and the insured person in the same circumstances, there is no difference between these two aspects.
