Her husband drove on the doorstep accidentally killed 6 year old daughter, wife and the owner of the vehicle, the insurance company to court, the lawsuit filed at the beginning of the tragic has aroused widespread concern in society in April 2015. In October 19th, the Wujiang Jiangsu court awarded the insurance company more than 55 yuan.
Oh, my God, I hit my daughter!
Shimou is a textile factory staff, on the evening of November 12, 2014, he was driving the car to go home, the vehicle in their own hospital, did not pay attention to the 6 year old daughter Xiaowen school has on one side of the gate. The speed of the vehicle is not fast, but still will be knocked down by a small. See her daughter fell to the ground, Shimou immediately get off, the injured daughter to the hospital, but her daughter died on the same day. The traffic police department to investigate the accident that the small the state can not be verified, unable to identify the accident responsibility.
Because of the negligence of his father, killed his own daughter, as the father of the party, the mood can be imagined. What responsibility does a father bear when he kills his own daughter? It is reported that the vehicle involved in the insurance company to pay the risk of strong and commercial three party insurance, and at the same time insured without deductible insurance, then the insurance company will claim it?
Could be a small parents filed a lawsuit as the legal heir, but small father is the case the perpetrators of the infringing party, in accordance with the principle of the infringer can not cannot benefit in the accident as a plaintiff, then only Xiaowen mother as plaintiff. In the complaint, Xiaowen mother asked the party, is the husband and the owner of the vehicle, and the vehicle insurance company to pay compensation for death compensation and funeral expenses, mental solatium 76 yuan.
The court held that Shimou as the motor vehicle driver, carelessness in driving the process, due to improper operation will be knocked down by her daughter, the victim was only 6 years old, the risk may occur in the process of parking father of lack of knowledge, the victim's mother as adults should be aware of the danger, care of negligence the insurance company, and confirmation that the fact of the accident, and accused Wujiang of a textile factory in the insurance company 1 million yuan of commercial insurance and non deductible insurance that no objection.
After the court verified that the traffic accident caused by the loss of 74 yuan, including mental damage solatium 30 thousand yuan. In accordance with the law, the defendant insurance company in the strong risk of death, disability compensation for the plaintiff's death compensation 110 thousand yuan, the actual expenditure of medical expenses 565.67 yuan. The loss in excess of the compulsory insurance risk shall be borne by the accident liability party, and the defendant who is responsible for the main responsibility shall bear 70% of the total loss of the compulsory insurance, or 444191.65 yuan. As a result of the vehicle involved in the defendant insurance company at the risk of commercial three party coverage, and at the same time covered by non deductible insurance, the loss of the defendant insurance company in the commercial three party insurance coverage. In summary, the insurance company has made a total compensation of more than 55 yuan.
Insurance experts remind that a major accident occurred, pay the highest insurance compensation 120 thousand, and pay strong insurance clearly defined: the property damage occurred in the accident, the maximum payment of 2000. What about 120 thousand? Originally, this 120 thousand only in the occurrence of personal safety, and involving casualties, only to be paid. A death, 110 thousand injured; 10 thousand traffic accidents hit; property damage arising: 2 thousand. That is to say, nothing is going to get 120 thousand of the payment. Moreover, the insurance company will pay for the claim for you and compensate the other party for it.
What about the three party risks? Three commercial insurance is mainly aimed at the accident car owners driving in the process of moving vehicles in the travel process of traffic accidents, on the basis of the third party is third by the personal injury caused by a claim of insurance. Commercial insurance is profitable, not welfare, which is estimated as part of the owner's view. In fact, you can understand this, commercial three party insurance, in fact, is a strong insurance upgrade, and spend the same money, can pay higher costs.
There is no principle of compensation for partial damage. For example, bought three 100 thousand, in the period, the first time out after payment is 100 thousand, second times out of the accident, also can pay 100 thousand, and not because of a danger and a discount.
What is deductible? That popular insurance will adhere to a principle of risk sharing, that is after the accident, the amount of loss of the insured should bear a certain proportion, the purpose is to drive people control, to make it as much as possible less danger.
Then this "non deductible" the main role is to this small part of personal responsibility again to loss insurance companies, so as to get a full compensation after the accident, people can obtain the biggest safeguard role.
Popular, that is, regardless of the deductible, your loss insurance company all compensation; if not, you may lose, they can only pay eight or nine percent.
❶To pay strong insurance, must be on, remember the insurance period (not on the ah, mandatory state regulations).
Car damage insurance, the absolute, tube lose yourself, why not? And it's better to have full coverage.
Three insurance must, of course, suggested that at least buy 200 thousand lines, and the good economic conditions, also can be 500 thousand -100 million lines. Always remember that strong traffic insurance is only compulsory traffic, and the three is to pay an upgraded version of the strong risk.
Staff car insurance, you can not go, to the words, the insurance can not be so high. One seat is 20 yuan, and ten thousand is better than personal insurance.Paul code help start a good start, click on [read the original] for more details