On board personnel liability insurance, is a commercial insurance specially protect the passengers (including the driver) of a kind of insurance, insurance is usually according to the driver and passenger seats to determine the amount of each seat. 
There is one point worth noting: the nature of the car on the personnel insurance is a liability insurance. If in use of the vehicle, because the driver's responsibility makes the car injured, should bear compensation, will trigger the seat insurance compensation. In other words, if due to other reasons are accidentally injured, the car on the personnel insurance is not compensation. Therefore, many people will mistakenly think that the compensation scope of the car on the personnel liability insurance is a bit "chicken", then hold the luck of the mind, think that due to their responsibility to the car on the personnel injured or dead probability is just like winning the lottery, this insurance can save a few families in the critical moment is ignored.
The new driver and passenger accident insurance clauses and what is it? And the car personnel liability insurance what is the difference or common? Simply put, the driver and passenger accident insurance includes death insurance liability and disability insurance liability and accident medical insurance liability, that is: during the insurance period, the insured driving or riding in the insurance policy stipulates the number of the vehicle license plate, in the process of using the vehicle due to natural disasters, accidents caused by death, disability or medical expenses, the insurance company will pay the insurance according to the provisions of the insurance. From the definition of the insurance, the car personnel liability insurance and driving personnel accident insurance both refer to the insurance vehicle accident, resulting in the car driver or passenger casualties, the insurance company will be to compensate for medical expenses or accident money. The difference is that the need to compare from the insurance liability and compensation ratio. The car personnel liability insurance belongs to liability insurance, the premise of compensation is due to the responsibility of the driver of the car accident, resulting in the car personnel casualties, to obtain compensation. If the other party's vehicle responsibility, resulting in the car personnel casualties, not in the scope of compensation for the car personnel liability insurance. The driving personnel accident insurance belongs to accident insurance, the accident responsibility is not important, as long as the accident is taken out of the insured vehicle, can be compensated. It does not affect the compensation of the car insurance, which is a kind of supplementary insurance. In general, the driver and passenger accident insurance is a supplement to the liability insurance for the personnel on the car. Both of them can give themselves and their loved ones better protection.
