The so-called motor vehicle third-party liability insurance refers to the amount of compensation that should be paid by the insured according to law after the insured has purchased the third-party liability insurance from the relevant insurance company, and the qualified driver allowed by the insured has an accident in the process of using the insured vehicle, resulting in personal injury or direct damage to the property of the third party, and the insurer shall compensate according to the provisions of the insurance contract. However, the insured shall be responsible for the aftermath of the accident.

The third party of motor vehicle third-party liability insurance refers to the person who suffers personal injury or property loss due to the accident of the insured motor vehicle, but does not include the applicant, the insured, the insurer and the people on the insured motor vehicle at the time of the insurance accident.

Article 17 of China's Road Traffic Safety Law stipulates that the state implements the compulsory motor vehicle third-party liability insurance system and establishes a social assistance fund for road traffic accidents. According to this, all motor vehicles in China must buy third-party liability insurance. Insurance institutions can centrally handle matters such as the conclusion of insurance contracts related to motor vehicles in the office of the traffic management department of the public security organ.

At the same time when the country implements the compulsory third-party liability insurance system, it is necessary to set up a social assistance fund for road traffic accidents. The fund is mainly used to pay the rescue expenses of traffic accident victims caused by uninsured motor vehicles and hit-and-run motor vehicles. If the vehicle involved in the accident participates in compulsory motor vehicle third-party liability insurance, the insurance company shall pay the rescue expenses within the scope of responsibility; If the rescue expenses exceed the liability limit, and the insured fails to participate in compulsory motor vehicle third-party liability insurance or escapes after the accident, the social relief fund for road traffic accidents shall pay part or all of the rescue expenses in advance, and the social relief fund management institution for road traffic accidents shall have the right to recover from the person responsible for the traffic accident

1. Qualified drivers allowed by the insured: there are two meanings here, one is the driver allowed by the insured, Refers to the insured who holds a driving license, his spouse and their immediate family members or employees of the insured, or the driver who uses the insured vehicle during the work assigned by the insured, or the insured has a business lease relationship with the driver who uses the insured vehicle. Second, it is qualified, which means that the above-mentioned driver must hold a valid driver's license

third party liability insurance, and the vehicle he drives is consistent with the quasi-driving category stipulated in the driver's license. Only drivers with both "permitted" and "qualified" conditions can be compensated by the insurer when the insured vehicle causes losses. The insured vehicle is driven away privately, or the driver promises to drive privately without the consent of the owner and the person in charge of the unit to which the insured vehicle belongs, which cannot be regarded as "the driver allowed by the insured". In this case, the insurer will not compensate.

second, the process of using the insured vehicle: the whole process of using the insured vehicle as a tool, including driving and parking. For example, after the wheels of the insurance crane are fixed, it can be called "the process of using the insurance vehicle".

third party: in an insurance contract, the insurer is the first party, also called the first party; The insured or the perpetrator is the second party, also called the second party; In addition to the insurer and the insured, the victim who suffers personal injury or property loss due to the accident of the insured vehicle is a third party, also called a third party. Personal injury or death: the person's body is injured or the person's life is terminated.

5. direct damage: the accident of the insured vehicle directly causes the actual damage to the existing property of others at the scene of the accident.

VI. The amount of compensation that should be paid by the insured according to law: the amount of compensation that should be paid according to the provisions on handling road traffic accidents and relevant laws and regulations, and the accident liability borne by the insured or its permitted qualified drivers.

In our country, traffic accidents are generally handled by the public security traffic management department. However, the public security traffic management department generally refuses to accept vehicle accidents that occur in off-highway locations. At this time, you can ask the relevant departments of the local government to study and deal with the road traffic accidents according to the regulations. Cases with serious differences in the handling opinions of the public security traffic management department or the relevant departments of the local government can be submitted to the court for settlement.

VII. The insurer shall compensate according to the provisions of the insurance contract:

1. The provisions of the insurance contract refer to the relevant provisions contained in insurance documents such as basic insurance clauses, additional insurance clauses, special agreements and insurance documents.

2. The insurer is not unconditionally and completely responsible for the "amount of compensation that the insured should pay according to law", and the non-compensation part stipulated in the insurance contract should also be excluded when making claims.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.