What Is Uninsured Motorist Coverage?

Driver insurance is a form of insurance specifically designed for drivers with car ownership. The driver of a motor vehicle is the insured to ensure that he holds a valid driving certificate and suffers accidental injuries during the journey of driving a legal motor vehicle. Forms of insurance for liability for accidental death, disability, medical expenses, etc.

Driver insurance

Driver insurance, also known as

The insurance liability of driver insurance is roughly divided into three basic parts: accidental death, accidental disability, and accidental medical treatment:

It is worth noting that in addition to the two insurance responsibilities of "accidental death" and "accidental disability," driver insurance, some products will also increase medical protection. If the amount of coverage of the medical insurance program is too small, consumers can also consider purchasing an additional "medical subsidy insurance". The insured person can receive the corresponding insurance money every day during the hospitalization of the injury.

I. Accidental death insurance liability:

The insured suffered accidental injuries during a traffic accident while driving a motor vehicle, and within 180 days (including the 180th day) from the date of the accident,

Under any of the following circumstances, the insurer shall not be liable for payment of insurance benefits if the insured person dies, becomes disabled, or incurs medical expenses:

1. Intentional killing or injury of the insured by the policyholder or beneficiary;

2. The insured battered, committed suicide, and deliberately injured himself;

3. Influence of the insured person due to mental illness;

4. Abortion and childbirth of the insured;

5. The insured person suffers from cosmetic surgery or medical accident;

6. Medical expenses incurred by the insured as a result of prevention, health care or non-disease treatment projects;

7. Out-of-pocket medical expenses stipulated by the local social medical insurance management department;

8. The period when the insured person has AIDS or is infected with HIV (HIV positive).

If the insured person dies above,

Driver's insurance coverage allocation principle:

(1) The driver's accidental death, disability, burns, and accidental medical insurance are all vested in the driver;

(2) The accidental death, disability, burns, and accidental medical insurance of the passenger are all vested in the passenger, and the insurance amount is evenly distributed according to the number of passengers when the accident occurs;

(3) If there are no passengers in the car, the passenger's insurance amount cannot be attributed to the driver.

How motorcycle drivers buy driver insurance

Drivers take more risks than ordinary people, motorcycle drivers even more. Running on the road, the accident rate is very high, it is reasonable to buy insurance and explain to yourself and your family. In view of the possible situation of motorcycle drivers, accidental injuries and accident medical treatment should be considered.

Accidental injury insurance is necessary, and the sum insured must take into account net protection, at least five times the annual income, but it is the purest protection. Low premiums and high protection. Accident insurance is divided into general accident insurance and traffic accident insurance. Because motorcycles are not motor vehicles, only ordinary accident insurance can be purchased.

Accidental medical care is also very important. Today's society is expensive, and purchasing a medical insurance can reduce the possible financial burden. In addition, as a motorcycle driver, if you do not have social security, you should also consider buying critical illness protection and endowment insurance. ^[2]

How taxi drivers buy driver insurance

It is understood that exhaustion and accidents have become the two biggest killers of taxi drivers. In order to complete the quota, to support their families, and to earn more money, many taxi drivers usually work more than 10 hours a day. Irregular meals, low drinking water, and long-term fixed-position operation will naturally cause gastrointestinal diseases and kidney function decline, and excessively tired driving can easily cause traffic accidents. So what insurance should taxi drivers buy?

The first consideration should be higher accident insurance. Traffic accidents are the biggest cause of human casualties in the world. As taxi drivers, they work longer hours and the probability of accidents is relatively high.

An insurance company has different occupational categories for different occupations according to the level of their risk coefficients, and serves as a reference standard for determining whether to accept an applicant's application for insurance or under what conditions. Taxi drivers are occupations with a higher risk factor, and their rates are higher than those of a class of occupations.

The second aspect to consider is health insurance. In order to have enough expenses to meet the needs from time to time, you should buy a medical insurance to reduce the pressure on medical expenses. The job of a car rental driver is to earn income one day at a time, so you must buy insurance for major illnesses. It is best to consider products that automatically increase the sum of insurance. It avoids the risk of increasing insurance premiums and re-underwriting that may increase fees, exclude liability, or even deny insurance.

The third aspect to consider is retirement. Because to build a family, we must also consider the cost of raising children. Future retirement is also a problem. Therefore, it is necessary to take care of the elderly, and to be safe and reliable.

This situation is suitable for purchasing both types of regular repayment insurance. On the one hand, it provides a certain percentage of cash back every 3 to 5 years, and arranges daily key expenditures in life, while reducing the pressure of payment. Back to the big pension, how long to get the pension allowance. In addition, it can provide higher death guarantee in the young and middle age.

4.How truck drivers buy driver insurance

Accidents are inevitable when traveling. In particular, train drivers, regardless of working hours and labor intensity, are higher than the average wage earners. Long-term work is also likely to cause accidents. Therefore, for themselves and their families, they should purchase insurance in a timely manner.

This profession needs to put protection first, reflected in the insurance is accident insurance, critical illness insurance and regular life insurance, of which accident insurance must pay attention to whether to provide insurance for truck drivers. General accident insurance is not covered. Secondly, there are not many premiums, and it may not be enough if both critical illness insurance and term life insurance are taken into consideration. One of the two is recommended to choose critical illness insurance, because critical illness insurance provides protection against severe illness and accidents. And term life insurance only provides accident protection. ^[3]