机动车保险

机动车交强险、机动车商业险

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机动车险种：

机动车交强险

机动车商业三者险50万

机动车商业三者险100万

机动车商业三者险200万

机动车商业车上人员意外险

机动车商业车损险

机动车商业三者险500万

新车需提供发票及合格证方能投保，资料请提供完善

车辆续保需提供行驶证方能投保，资料请提供完善

机动车商业三者险150万

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商品编号：S6683E81363C59
上架时间：2024-07-02
商品毛重：0.000kg

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<h4 style="color: rgb(51, 51, 51);"><font style="" face="宋体" size="5">一、险种介绍</font></h4><p> </p>
<div data-page-id="VGN4dpUBmoHDfexbmGfcEvm4nEh" data-docx-has-block-data="false"><h4 class="heading-4 ace-line old-record-id-Jikid8WgcocUGGxQJdQcrtopnKc"><font face="宋体" size="3">机动车交通事故责任强制保险</font></h4><h4 class="heading-4 ace-line old-record-id-KWg4dSIQoocqwIxSE0ycBqicnyg"><div data-page-id="VGN4dpUBmoHDfexbmGfcEvm4nEh" data-docx-has-block-data="false"><div class="ace-line ace-line old-record-id-OsK8dcC6cowECQx6CjjcHEXZnAf"><span style="font-weight: normal;"><font face="宋体" size="3">是指由保险公司对被保险机动车发生道路交通事故造成本车人员、被保险人以外的受害人的人身伤亡、财产损失，在责任限额内予以赔偿的强制性责任保险。</font></span><p> </p>
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data-lark-record-format="docx/record" class="lark-record-clipboard"></span></font><h4 class="heading-4 ace-line old-record-id-OQgKdsWeOoaIgqx0MU6cmKw8nnh"><font face="宋体" size="3">机动车损失保险</font></h4><h4 style="color: rgb(51, 51, 51);"><div data-page-id="VGN4dpUBmoHDfexbmGfcEvm4nEh" data-docx-has-block-data="false"><div class="ace-line ace-line old-record-id-JK2cdEoUmoIsGmxs79McEEWZnLf"><span style="font-weight: normal;"><font face="宋体" size="3">是指被保险人或其允许的驾驶人在驾驶被保险车辆时发生保险事故，导致被保险车辆受损，保险公司在适当范围内给予赔偿的一种汽车商业保险。</font></span></div></div><font face="宋体" size="3"><span data-lark-record-data="{" 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data-lark-record-format="docx/record" class="lark-record-clipboard"></span></font></h4><p> </p>
<div data-page-id="VGN4dpUBmoHDfexbmGfcEvm4nEh" data-docx-has-block-data="false"><h4 class="heading-4 ace-line old-record-id-P02Qd0UW0og6oAx4PWbct7dxndg"><strong><font face="宋体" size="3">乘客车上人员责任险</font></strong></h4><div class="ace-line ace-line old-record-id-TmS0dYAawoUYKMxcVAfcpno8n6b"><font face="宋体" size="3">一般而言，车上人员责任险的保险金额是由被保险人和保险公司商量决定的，驾驶员和乘客的保额一般可选的范围是1-5万，且投保的人数不能超过车辆本身的固定的座位数。<br></font><p> </p>
<div class="ace-line ace-line old-record-id-TmS0dYAawoUYKMxcVAfcpno8n6b"><font face="宋体" size="3"><br></font></div><div class="ace-line ace-line old-record-id-TmS0dYAawoUYKMxcVAfcpno8n6b"><h4 style="color: rgb(51, 51, 51);"><font face="宋体" size="5">二、赔付介绍</font></h4></div></div></div><h4 style="color: rgb(51, 51, 51);"><font face="宋体" size="3">交强险赔偿限额20万元，分项赔偿限额有责任情况下（不区分责任比例）</font></h4><h4 style="color: rgb(51, 51, 51);"><font face="宋体" size="3"><span style="font-weight: normal;">1、死亡伤残赔偿限额180000元</span><span style="font-weight: 400;"><br></span><span style="font-weight: normal;">2、医疗费用赔偿限额18000元<br>3、财产赔偿限额：2000元 </span></font></h4><h4 style="color: rgb(51, 51, 51);"><font face="宋体" size="3">商业险：(根据所选择险种来确定赔偿金额)</font></h4><h2 microsoft="" yahei",="" stheiti,="" sans-serif;="" color:="" rgb(0,="" 0,="" 0);"="" style="color: rgb(51, 51, 51); margin: 0px 0px 0px 50px;"></h2><h4 style="white-space-collapse: preserve; color: rgb(51, 51, 51);"><span style="font-weight: normal;"><font face="宋体" size="3">被保险人或被保险机动车一方根据有关法律法规选择自行协商或由公安机关交通管理<br>部门处理事故，但未确定事故责任比例的，按照下列规定确定事故责任比例：<br>被保险机动车一方负主要事故责任的，事故责任比例为70%；<br>被保险机动车一方负同等事故责任的，事故责任比例为50%；<br>被保险机动车一方负次要事故责任的，事故责任比例为30%。<br>机动车损失赔款按以下方法计算：<br>（一）全部损失<br>赔款＝保险金额－被保险人已从第三方获得的赔偿金额－绝对免赔额<br>（二）部分损失<br>被保险机动车发生部分损失，保险人按实际修复费用在保险金额内计算赔偿：<br>赔款＝实际修复费用－被保险人已从第三方获得的赔偿金额－绝对免赔额<br>（三）施救费<br>施救的财产中，含有本保险合同之外的财产，应按本保险合同保险财产的实际价值占总施救财产的实际价值比例分摊施救费用。</font></span></h4>