Chengdu, Sichuan Province recently in a car accident, a collision with a Volkswagen Tiguan Yue Ferrari FF occurs at the intersection, turn around time of the incident is the way Yue, Ferrari straight. From the result of the collision point of view, the Ferrari FF is no accident and serious injury, pushed-up bonnet, you can clearly see the damage to the anterior face. Fortunately, no casualties in the accident; sad reminder that, according to reports, Volkswagen Tiguan Yue owners may need to face up to 200 million payout.
According to reports, the accident ultimate responsibility is divided into Volkswagen Tiguan Yue owners full responsibility, because, according to traffic laws, there is no way to make a U-turn Yue straight vehicles, need to pay the full responsibility; moreover reported that the maintenance costs of the Ferrari up to 200 million, and the way Yue owners did not buy any commercial insurance, If true, then the owner will bear from the mountain way up to 200 million of debt.
way how to compensate the owner of the mountain?
Although the news network transmission can not believe everything, but from the picture we can get two positive facts. First, the way the mountain is indeed a collision with Ferrari FF straight in the case of a U-turn. Second, it does less damage to Yue way, and the other heavier damage; combination of the above two points, if nothing unexpected way Yue indeed full responsibility. In this context, if Ferrari really need maintenance costs of 200 million Yue owners and passers-by did not buy any commercial insurance, then how should the compensation?
(network transmission image)
In this from accident, the traffic police determine if Ferrari owners full responsibility, then the Ferrari owners can be solved by their own insurance vehicle maintenance problems, while the natural way without payment Yue owners, this appears to be one of the most best of both worlds. In practice, however, the traffic police must be based on the actual situation, in accordance with the responsibility to determine, so if the traffic police for the reason to make such a determination, it is violation, is likely to face penalties.
Second, that were paid by pay high insurance, but in view of the accident only caused property losses on both sides, and therefore pay high insurance claim paid only 2,000 yuan for two million yuan in compensation for the drop in the bucket, and the remainder still need to transit Yue owners bear. In other words, if the final judgment is really the way Yue owners full responsibility and maintenance costs 2,000 yuan, which means that the owners of the way Yue became an instant “Million negative Weng.”
If owners buy commercial insurance, how compensation?
way Yue owners did not buy commercial insurance, this is the online statement, has not been really sure, that if the owner bought three insurance, how compensation? First of all, if the owner bought a commercial insurance, the compensation process and the general impact general insurance company in the field of the damage, and then follow the process, to make reparation of both commercial insurance and pay high insurance, the balance other than insured by the owners themselves bear.
At this time perhaps someone will ask, in general, large most people would choose to 500,000 yuan, or $ 1 million three insurance for the accident, the operator turned over even if there is still not enough compulsory insurance, the remainder of the how to do it? The answer is themselves. In other words, even in the accident, passers-by Yue owners buy commercial insurance, but as long as its commercial insurance amounts less than 200 million, he should at least bear the maintenance costs of more than 50 million.
From this incident we can see important commercial insurance sex. Compared to the average family car, a luxury car in particular is very high than zero entire sports car at least three times more common in family cars, which explains the high maintenance costs of the luxury car. Zhuhai to crash an accident occurred last year, for example, a value of 300 million yuanAston Martin, a headlight repair costs reached 18 million. While the accident is a value of 105.3 million Ferrari FF, and the front face serious damage has occurred, and therefore 2 million yuan maintenance costs are reasonable.
is higher than the insured amount should buy three insurance?
As mentioned above, the luxury car zero integer ratio is high, and therefore maintenance costs after the damage is also high, and in the first-tier cities in economically developed, ho the number of cars will be higher, not lower chance encounter. In this context, I suggest that you buy are more three high risk of, at least have to purchase 100 million yuan, 1.5 million yuan to buy the best conditions as well as 2 million.
simple for everyone to calculate, three insured amount of 1.5 million yuan risk ratio of the sum insured 1 million yuan, the actual expenditure on expensive only about $ 400 per month to an average of only 30 yuan, but after the accident they can help you bear the extra burden of 50 million. Of course relative, if it is in some four-tier cities, because fewer luxury cars, in most cases the amount of 500,000 yuan insurance has been good enough, so buy 500,000 yuan is not not.
Finally, I hope you remember that the reason why we buy insurance, as is the ability to avoid the risk, or remedied after risk, so once a discount when we buy insurance, after the risk-taking will be discounted. Therefore, unless we are well able to assume all the risks of its own premise, it is recommended that everyone else is on their travel insurance to buy a reasonable, so as not only a rude awakening after the accident.
(Source network, intrusion deleted)