What does DEJ in car insurance refer to?
2 Answers
DEJ in car insurance refers to the Passenger Liability Insurance, also known as Seat Insurance. Below are the specific details about Seat Insurance: 1. Seat Insurance: Seat Insurance refers to the situation where, in the event of a traffic accident not involving intentional human behavior, resulting in injuries or fatalities to the driver or passengers inside the vehicle, the insurance company will provide a certain amount of compensation for the accident or medical expenses. 2. Premium: Generally, the coverage level is closely related to the premium of Seat Insurance—the higher the coverage level, the greater the compensation amount. It also has a certain relationship with the number of seats in the vehicle, leading to variations in the Seat Insurance generated.
I have worked in the auto insurance field for many years. Car insurance DEJ typically refers to third-party liability insurance, which is one of the core components of commercial auto insurance. It mainly covers compensation for injuries to others or damage to third-party property in an accident, such as accidentally hitting a pedestrian or another vehicle while driving, where medical expenses and repair costs can be reimbursed. This type of insurance is crucial because the law requires all car owners to purchase basic insurance like compulsory traffic insurance, but DEJ allows for customizable coverage amounts, ranging from hundreds of thousands to millions, making it especially suitable for high-risk driving areas like big cities. I recall an example where a friend had a minor rear-end collision in a busy downtown area and had to pay tens of thousands in repair costs for the other party, all of which was handled by the insurance company. Without DEJ, the personal financial burden would be enormous, so I always advise checking the policy details when buying insurance each year—don’t just focus on low prices, as insufficient coverage can be very problematic. Additionally, DEJ premiums usually make up a small portion of overall auto insurance costs, with an annual fee of just a few hundred dollars—a small investment with significant benefits, providing peace of mind while driving.
