1. The overall traffic insurance requires enterprises and institutions directly under the Communications Department to pay the overall traffic safety fee according to the number of vehicles owned, not for other car owners;
2. The role of the overall insurance premium paid is to use this part of the money to give various economic compensation when the vehicles participating in the overall transportation encounter accidents such as traffic accidents, natural disasters and accidental injuries of passengers. Other car owners who have not participated in the overall insurance can purchase commercial auto insurance on their own.
What materials should be submitted for traffic accident insurance claims?
1, the original insurance policy or a copy of the original insurance policy;
2. Signed accident responsibility confirmation or simple accident handling book, accident mediation book and accident certificate issued by the traffic police at the scene of the accident;
3. Official invoice of automobile maintenance industry;
4. A copy of the driver's license of the driver who was driving at the time of the accident and a copy of the driver's license of the vehicle where the accident occurred;
5 motor vehicle insurance loss confirmation, confirmation of repair items list, spare parts replacement update items list;
6, motor vehicle insurance accident report form, motor vehicle insurance accident claims application;
7, motor vehicle insurance accident scene investigation records or motor vehicle insurance accident scene investigation records;
8, motor vehicle insurance accident site survey sketch, related accident vehicle loss photos;
9. Notice of compensation.
Legal basis: Article 2 of People's Republic of China (PRC) Insurance Law.
The term "insurance" as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract, the insurer shall be liable for the property losses caused by the possible accidents agreed in the contract.
essay
This Law is applicable to insurance activities in People's Republic of China (PRC).
Article 4
Engaged in insurance activities must abide by laws and administrative regulations, respect social morality, and shall not harm the public interests.
Article 5
The parties to insurance activities shall exercise their rights and perform their obligations in accordance with the principle of good faith.
Article 6
Insurance business is operated by insurance companies established in accordance with this Law and other insurance organizations as stipulated by laws and administrative regulations. No other unit or individual may engage in insurance business.
Article 7
If legal persons and other organizations in People's Republic of China (PRC) need to apply for domestic insurance, they should apply for insurance with insurance companies in People's Republic of China (PRC).