Driver Accident Insurance Liability What is the content

In fact, we all know that people driving on the road are dangerous, so many people will choose to insure the driver's accident insurance. Let's take a look at the driver's accident insurance liability.

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驾驶员意外险保险责任

Accidental death protection

The insured suffered accidental injury in the event of a traffic accident while driving a motor vehicle, and died within 180 days (including the 180th day) from the date of the accidental accident. The insurer shall pay the death benefit according to the insurance amount stipulated in this insurance contract, and the insurance liability of this item shall be terminated.

Before the accidental death benefit is paid, if the insured has received the accidental disability insurance, the insurer will deduct the accidental disability insurance premium from the accidental death benefit paid.

Accidental Disability Protection

The insured person suffered accidental injury in the event of a traffic accident while driving a motor vehicle, and within one hundred and eighty days (including the 180th day) from the date of the accidental accident, the accident caused the physical disability. The insurer pays accidental disability insurance according to the provisions of《人身保险残疾程度与保险金给付比例表》(hereinafter referred to as the “proportion”). If the insured still needs to continue treatment, the insurer will identify the disability according to the physical condition of the insured on the 180th day and pay the accidental disability insurance.

If the insured person causes more than one physical disability due to the same accidental accident, the insurer shall pay the sum of the insurance benefits of the disability items in the scale. If different disability items belong to the same hand or the same foot, the insurer will only pay the higher accidental disability insurance premium.

xx The insurer's liability for disability insurance for the same insured person is limited to the amount of accidental disability insurance as stipulated in this insurance contract. If the accidental disability insurance premium paid by the insurer reaches the accidental disability insurance amount, the insurance liability shall be terminated.

Accidental medical insurance

In the process of driving a motor vehicle, the insured person is accidentally injured in a traffic accident and treated in a hospital designated or approved by the insurer, or rescued in the nearest hospital (after the insured is stable, he must be transferred to a hospital designated or approved by the insurer) Treatment), the insurer pays 90% of the reasonable medical expenses incurred by the insured person within one hundred and eighty days from the date of the accidental accident, and deducts 100% of the accidental hospitalization medical insurance premium.

驾驶员意外险投保方式

1. Consumers can go to the professional insurance company to sell the counter. Fill in the insurance policy, and the insurance company will issue the insurance certificate after the insurance premium is received. The insurance will take effect. 儿童保险

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