1. What does the national standard for vehicles in major accidents mean?
Strictly speaking, as long as it is an accident car, regardless of the size of the accident, it belongs to an accident car. It's just that the accident car usually refers to the vehicle that has had a major accident. Like ordinary minor accidents, it is not an accident car.
There are usually two situations to judge the accident car.
The first type: if the vehicle is damaged by replaceable parts (such as front bumper damage, headlight damage, front fender damage, etc. ), it was a minor accident. This kind of vehicle is not an accident car as the saying goes, but it will depreciate a little, generally between 3000-5000 yuan.
The second type: if the vehicle is damaged in an irreplaceable place (such as longitudinal beam, bottom edge, ABC column, etc.). ) can only be repaired by shaping, cutting and welding. This situation is a serious accident vehicle. If it is an accident car, the strength will drop a lot after it is repaired, and it will depreciate a lot when it comes back to sell used cars. Accident car refers to the accident that mechanical performance and economic value are lost due to unnatural wear and tear. Accident vehicles generally refer to vehicles with damaged structures. Soaking and burning cars also belong to accident cars, but they belong to the category of "special accident cars".
Second, how to compensate the injured passengers in the car?
(1) What is vehicle personnel liability insurance?
Vehicle seat liability insurance, also known as vehicle personnel liability insurance or vehicle liability insurance, is an additional risk of vehicle commercial insurance. Responsible for compensation for casualties caused by traffic accidents of insured vehicles.
Vehicle personnel liability insurance is the main insurance of vehicle commercial insurance, and its main function is to compensate the casualties caused by traffic accidents.
This insurance is very important for car owners, because people in the car are generally important people around them, so it is necessary to buy an insurance for them.
Vehicle personnel liability insurance is an additional insurance, which makes up for the shortage of commercial third party insurance and car damage insurance.
(2) How to claim compensation for injuries to people in the car?
When people in the car are killed or injured due to car collision or overturning, the owner can claim compensation from the insurance company through the vehicle personnel liability insurance.
The liability insurance for people in the car can guarantee that if people in the car are unfortunately injured after the accident, they can also get compensation from the insurance company, reducing the burden of the owner's claims.
Vehicle personnel liability insurance will set the corresponding deductible according to the accident liability of the owner. For example, if the owner bears the main responsibility for the accident, the insurance company will set the corresponding deductible for the main responsibility of the accident in the compensation calculation, usually15%;
When the owner is responsible for half of the accident, the insurance company will set a deductible of 10%. In fact, different insurance companies have different definitions of accident liability deductible, and the deductible setting of personnel liability insurance on natural vehicles will also change accordingly. For example, picc's main liability deductible is 10%, half liability is 8%, and secondary liability is 5%, and the deductible corresponding to the personnel liability insurance on its vehicles will also become 65438.
Of course, the maximum compensation limit of personnel liability insurance for vehicles is usually only 1 000 yuan. If the vehicle mainly provides more comprehensive insurance protection for relatives, you may wish to buy a medical insurance, which not only increases the compensation limit, but also broadens the scope of claims. Personal injury caused by common medical accidents can get high and comprehensive compensation.
To sum up, the standards for vehicles with major accidents have been described in detail above. After a traffic accident, the responsible party of the traffic accident should be determined first, and the responsibility ratio should be determined. If the car of the party concerned has insurance or compulsory insurance, compensation can be made according to the actual situation.