Bicycle third party liability insurance
The first one is to provide economic compensation for third-person personal injury or property damage caused by road traffic accidents during the driving of the bicycle. This insurance is specially organized.
Article 2 Any bicycle that has passed the inspection by the public security traffic management department of the city and has issued the driver's license license number and the tax payment certificate may participate in the third party liability insurance for the bicycle.
Insurance liability and compensation limit
Article 3 The road traffic accidents that occur on the roads of the city by the insurance bicycles cause the third party to suffer personal injury or direct loss of its property. The insurer shall be responsible for the economic compensation for the insured. The maximum compensation limit for each accident is RMB 10,000.
Liability exemption
Article 4 The insurer shall not be liable for the following circumstances:
1. Loss or theft of the entire bicycle or its parts and components contained in the bicycle;
2. Personal injury or property damage caused by road traffic accidents when using a bicycle;
3. Personal injury or death of the person using the bicycle and carrying the person;
4. Intentional or illegal acts of a person using a bicycle;
5. All indirect losses and expenses caused by accidents within the scope of insurance liability;
6. Other losses and expenses that are not within the scope of insurance liability.
Term Insurance
Article 5 The term of insurance shall be one year from the zero hour of the starting date to the twenty-fourth of the expiration date. Renewal at the expiration date, another formality, no surrender in the middle.
insurance
Article 6 The annual insurance premium is RMB 5 yuan.
Insured obligation
Article 7 The insured shall pay the insurance premium once at the same time as the insurer issues the insurance policy.
Article 8 The insured shall perform the maintenance work of the insurance bicycle so that the bicycle is kept in a normal driving state.
Article 9 The insured shall consciously abide by road traffic regulations. After a traffic accident, reasonable rescue and protection measures shall be taken and immediately reported to the public security traffic management department, and the insurer shall be notified at the same time.
Article 10 The insurer has the right to refuse compensation if the insured fails to perform the obligations of the above provisions.
Compensation treatment
Article 11 When the insured claims, he shall provide the insurer with a valid insurance policy, accident certificate, accident conciliation statement or court award issued by the public security traffic management department, relevant cost documents, loss list and relevant hospital disability. Proof, and other proofs that the insurer believes must be provided. The insurer shall promptly carry out the audit and pay in time according to the insurance liability within the compensation limit.
Article 12 If the insured has fraudulent acts such as false reporting or making false claims, the insurer has the right to refuse compensation or recover the paid insurance premium after being found. If the circumstances are serious, the legal responsibility will be investigated.
Article 13 The insurer has the right to re-approval or refuse compensation for the expenses promised or paid by the insured.
Article 14 The insurer shall only bear the economic compensation liability that the insured shall bear in accordance with the law, and the aftermath of the accident shall be handled by the insured.
Article 15 In order to enhance the traffic safety responsibility of the insured, the absolute deductible for each third party liability accident is RMB 50.
Article 16 The insurer shall make a one-time payment for each accident, and once the payment is made, the insurance liability of the accident shall be terminated and no longer responsible.
Article 17 After each accident is handled and paid, the insurance policy shall continue to be valid until the insurance expires.
Article 18 The insured shall submit all necessary documents as stipulated in Article 11 within six months from the date of completion of the traffic accident settlement or within one year from the date when the insurer notifies the insured to receive the insurance premium. Apply for insurance payment.
Dispute resolution
Article 19 If the insured and the insurer cannot reach an agreement in dispute, they may apply to the arbitration institution for arbitration or file a lawsuit with the people's court.
Article 2 Any bicycle that has passed the inspection by the public security traffic management department of the city and has issued the driver's license license number and the tax payment certificate may participate in the third party liability insurance for the bicycle.
Insurance liability and compensation limit
Article 3 The road traffic accidents that occur on the roads of the city by the insurance bicycles cause the third party to suffer personal injury or direct loss of its property. The insurer shall be responsible for the economic compensation for the insured. The maximum compensation limit for each accident is RMB 10,000.
Liability exemption
Article 4 The insurer shall not be liable for the following circumstances:
1. Loss or theft of the entire bicycle or its parts and components contained in the bicycle;
2. Personal injury or property damage caused by road traffic accidents when using a bicycle;
3. Personal injury or death of the person using the bicycle and carrying the person;
4. Intentional or illegal acts of a person using a bicycle;
5. All indirect losses and expenses caused by accidents within the scope of insurance liability;
6. Other losses and expenses that are not within the scope of insurance liability.
Term Insurance
Article 5 The term of insurance shall be one year from the zero hour of the starting date to the twenty-fourth of the expiration date. Renewal at the expiration date, another formality, no surrender in the middle.
insurance
Article 6 The annual insurance premium is RMB 5 yuan.
Insured obligation
Article 7 The insured shall pay the insurance premium once at the same time as the insurer issues the insurance policy.
Article 8 The insured shall perform the maintenance work of the insurance bicycle so that the bicycle is kept in a normal driving state.
Article 9 The insured shall consciously abide by road traffic regulations. After a traffic accident, reasonable rescue and protection measures shall be taken and immediately reported to the public security traffic management department, and the insurer shall be notified at the same time.
Article 10 The insurer has the right to refuse compensation if the insured fails to perform the obligations of the above provisions.
Compensation treatment
Article 11 When the insured claims, he shall provide the insurer with a valid insurance policy, accident certificate, accident conciliation statement or court award issued by the public security traffic management department, relevant cost documents, loss list and relevant hospital disability. Proof, and other proofs that the insurer believes must be provided. The insurer shall promptly carry out the audit and pay in time according to the insurance liability within the compensation limit.
Article 12 If the insured has fraudulent acts such as false reporting or making false claims, the insurer has the right to refuse compensation or recover the paid insurance premium after being found. If the circumstances are serious, the legal responsibility will be investigated.
Article 13 The insurer has the right to re-approval or refuse compensation for the expenses promised or paid by the insured.
Article 14 The insurer shall only bear the economic compensation liability that the insured shall bear in accordance with the law, and the aftermath of the accident shall be handled by the insured.
Article 15 In order to enhance the traffic safety responsibility of the insured, the absolute deductible for each third party liability accident is RMB 50.
Article 16 The insurer shall make a one-time payment for each accident, and once the payment is made, the insurance liability of the accident shall be terminated and no longer responsible.
Article 17 After each accident is handled and paid, the insurance policy shall continue to be valid until the insurance expires.
Article 18 The insured shall submit all necessary documents as stipulated in Article 11 within six months from the date of completion of the traffic accident settlement or within one year from the date when the insurer notifies the insured to receive the insurance premium. Apply for insurance payment.
Dispute resolution
Article 19 If the insured and the insurer cannot reach an agreement in dispute, they may apply to the arbitration institution for arbitration or file a lawsuit with the people's court.
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