How much does full coverage car insurance pay if someone is killed in a collision? Latest compensation standards and case analysis
Recently, the topic of traffic accident compensation has once again aroused heated discussion. Many car owners are concerned: If a fatal accident occurs after purchasing comprehensive car insurance, how much compensation can the insurance company pay? This article will give you a detailed explanation through structured data based on hot discussions and the latest policies across the entire network.
1. Compensation scope of comprehensive car insurance
Fully insured car insurance usually includes core insurances such as compulsory traffic insurance, third-party liability insurance, and car damage insurance. Among them, compensation directly related to fatal accidents mainly comes from:
| Insurance type | Death benefit limit | Additional conditions |
|---|---|---|
| Compulsory traffic insurance | 180,000 yuan/person | Mandatory insurance |
| Third party liability insurance | 1-10 million yuan optional | You need to choose the amount of insurance yourself |
2. The latest compensation standards in 2023
According to the latest judicial interpretation of the Supreme People’s Court, the calculation method for traffic accident death compensation is as follows:
| Compensation items | Calculation formula | Reference amount (2023) |
|---|---|---|
| death benefit | Per capita disposable income of urban residents in the previous year in the location of the court being sued × 20 years | About 800,000-1.5 million yuan |
| funeral expenses | The average monthly salary of employees in the previous year in the location of the court where the lawsuit is filed × 6 months | About 50,000-80,000 yuan |
| Dependent’s living expenses | Calculated based on actual number of dependents | About 100,000-500,000 yuan |
3. Comparative analysis of real cases
By analyzing public judgment cases in the past three years, we found that there are significant differences in the amount of compensation:
| Case characteristics | Total insurance compensation | Personal responsibility |
|---|---|---|
| Only insure compulsory traffic insurance (full liability) | 180,000 yuan | Compensation required is 600,000-1.2 million yuan |
| Compulsory traffic insurance + 1 million third party insurance (main liability) | 1.18 million yuan | About 50,000-200,000 yuan |
| Compulsory traffic insurance + 3 million third party insurance (secondary liability) | 3.18 million yuan | 0 yuan |
4. Key influencing factors
1.Responsibility identification ratio: Full responsibility requires 100% compensation, main responsibility is about 70%, joint responsibility is 50%, and secondary responsibility is 30%.
2.Nature of household registration: The compensation standard for urban household registration is usually about 2-3 times higher than that for rural household registration.
3.Regional differences: The amount of compensation in first-tier cities such as Beijing and Shanghai is significantly higher than that in third- and fourth-tier cities.
5. Expert advice
1. It is recommended that the insurance amount of three-party insurance be at least 2 million yuan, and in first-tier cities it is recommended that the insurance amount be more than 3 million yuan.
2. Additional insurance with double the statutory holiday limit to cope with travel peak risks
3. Pay attention to the disclaimers in the insurance terms, such as drunk driving, escape, etc.
6. Latest policy trends
According to data from the China Banking and Insurance Regulatory Commission in August 2023, 17 provinces and cities across the country have piloted the "unification of casualty compensation standards". In the future, victims with rural household registration are expected to receive the same treatment as those with urban household registration, which will significantly increase the overall compensation amount.
To sum up, the amount of compensation for a collision and death with full car insurance ranges from 180,000 yuan (only compulsory traffic insurance) to more than 3 million yuan. It is recommended that car owners reasonably configure insurance according to their own circumstances to avoid the risk of huge financial compensation due to insufficient protection.
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