How to compensate for a motorcycle collision
In recent years, with the increase in the number of motorcycles, traffic accidents have occurred frequently, especially collisions between motorcycles. The issue of compensation for such accidents involves many aspects such as division of responsibilities and insurance claims, and has become a hot topic of public concern. This article will combine the popular discussions on the Internet in the past 10 days to provide you with a detailed analysis of the compensation process and precautions after a motorcycle crash.
1. Division of accident responsibilities
The division of liability in a motorcycle collision is the basis for compensation. According to the Road Traffic Safety Law, the division of responsibilities is mainly based on the following points:
| Responsibility type | specific situation | Compensation ratio |
|---|---|---|
| full responsibility | One party violated traffic rules (such as running a red light, driving in the wrong direction, etc.) causing an accident | 100% |
| Main responsibility | One party is the primary fault party and the other party is the secondary fault party | 70%-90% |
| Shared responsibility | Both parties are equally at fault | 50% |
| secondary responsibility | One party is the secondary at-fault party and the other party is the primary at-fault party | 10%-30% |
| No responsibility | No one is at fault | 0% |
2. Compensation items and standards
Compensation items for motorcycle accidents mainly include medical expenses, lost work expenses, vehicle damage expenses, etc. The following are the specific compensation standards:
| Compensation items | Calculation method | Remarks |
|---|---|---|
| medical expenses | actual medical expenses incurred | Hospital invoice required |
| Lost work fee | Average daily income × days lost from work | Proof of income required |
| Nursing fee | Average daily income of nursing staff × number of nursing days | Proof of care required |
| transportation expenses | Actual transportation expenses incurred | Invoice required |
| Vehicle damage fee | Repair costs or vehicle residual value | Maintenance invoice required |
| Mental damages | Determined based on disability level | Requires forensic identification |
3. Insurance claims process
The insurance claims process for motorcycle accidents is as follows:
1.Call the police and protect the scene: After an accident occurs, call the police immediately and protect the scene until the traffic police handle it.
2.Responsibility determination: The traffic police shall issue an accident liability determination letter to clarify the responsibilities of both parties.
3.Contact insurance company: The responsible party needs to contact the insurance company to report the case within 48 hours.
4.Submit materials: Including accident liability certificate, medical invoice, maintenance list, etc.
5.insurance company loss assessment: Insurance companies assess vehicle and personal damage.
6.Claims: The insurance company will compensate based on the loss assessment results.
4. Precautions
1.Call the police promptly: No matter how big or small the accident is, it should be reported to the police to avoid subsequent disputes caused by private negotiations.
2.Keep evidence: Take photos and videos to record the accident scene, and save medical and maintenance bills.
3.Be cautious and private: Private payment may not cover all losses, so it is recommended to handle it through formal procedures.
4.Fully insured: Motorcycles should purchase compulsory traffic insurance and commercial insurance to deal with unexpected accidents.
5. Recent popular cases
Recently, a motorcycle collision occurred in a certain place. Because one party was driving without a license and not wearing a helmet, he was found to be fully responsible and had to bear all compensation. This case triggered heated discussions among netizens, reminding motorcyclists to abide by traffic rules and ensure the safety of themselves and others.
Conclusion
Motorcycle accident compensation involves many factors such as law and insurance, and it is crucial to correctly handle accident liability and compensation issues. I hope this article can provide you with practical reference to help you ride safely and travel worry-free.
check the details
check the details
en
