Battery bike accident-prone but almost no one insured
- Details
- Category: Ningbo News
- Published: Friday, 06 July 2012 10:18
source 2012-7-6 9:14:20 Southeast Business
Jiangdong the court yesterday afternoon, even the trial from personal injury claims, related with the battery car accidents related. A 38-year-old man riding a electric bike with his girlfriend go out to play, reverse drive the motor vehicle lane, the results even hit two cars, causing his girlfriend to death the serious consequences of their own serious injuries. Yesterday, on crutches, when the defendant when the plaintiff first, the amount of claims and claims 50 million.
Reporter Hussam intern Zhang Ting correspondent East China
Case
A traffic accident even play three lawsuits
The man, surnamed An, Guizhou.
On September 8 last year, he was riding a electric bike with a 27-year-old girlfriend to go out to play, reverse drive on the Century Avenue ride near NingChuan Road site, hit a car, two men fell to the ground, will again be a passing truck crushing, the security of a girlfriend died on the spot, Ahn own was seriously injured.
After the accident, the traffic police identified the safety of a electric bike reverse manned vehicle lane, there are two violations, so the negative accident. Did not notice the cars in motion in front of the security situation and negative secondary responsibility; secondary truck accident investigation belongs to overload, but also negative secondary responsibility of the accident.
Ann a therefore traffic crime, the Court sentenced to probation after completing his penalty, the matter does not end March of this year, his girlfriend's parents, along with two motor vehicle owners, drivers, insurance companies, together with report the court, claims 56 million yuan. While his two motor vehicle owners, drivers and insurance companies sued the court, claims 49.9 million yuan. The hearing yesterday afternoon, that is, from two civil lawsuits.
Bilateral accident there is no controversy, the focus is on the issue of sharing of responsibility. Yesterday, under the coordination of the judge, and two motor vehicles side agreed to share a girlfriend in accordance with the ratio of 6:2:2 of personal injury compensation. However, because the two sides in the figures and some tangled, two cases are not court judgment.
Status quo
Traffic accident cases nearly half of the battery car
It is understood that last year, Koto the court accepted the more than 700 pieces of traffic accident cases, which involved 346 electric vehicles, close to half.
These cases are often very controversial claims more difficult, the compensation is not easy to put in place.
The court held that one of the reasons is that the battery car is not motor vehicle traffic compulsory insurance, commercial insurance protection insurance after the accident by the insurance company liable. Battery car accident the party, mostly from low-income families, the limited capacity of Payout, in the event of a major accident causing casualties, "responsible for incompetence contradiction is very prominent.
Judges survey also found that, in fact, the insurance industry is the electric vehicle third party liability insurance, but the trial, the little electric car owners over to the electric car insurance, The result is "side of the accident-prone, while the insurance case cool "Guaizhuang.
Analysis
Why battery car third party insurance "cold case?
The Ningbo insurance industry business electric bike "third party liability insurance small insurance companies, the Chinese People's Insurance Company is one of the. After the conference, the reporter consulted the customer service and business sector PICC.
The other party told reporters that now they only Yinzhou Branch doing this business, every two years to pay 60 yuan premium, battery car owners can get the single highest 1.5 million of the debts, the cumulative availability of more than 30,000 yuan Payout. Other to buy this insurance, and more group business sporadic insurance does not.
2 years $ 60 premium, investment and few, because the battery owners, this Payout compensation to a third party, rather than a battery car owners I, so many owners that the probability of an accident, there is no the necessary insurance, even if an accident, minor accident, but a few hundred dollars, not worthwhile to go to this amount of money once the complex claims process, a major accident a few hundred thousand dollars, even with this amount of money, is also a drop in the bucket; of insurance companies. words, due to the reason of this insurance and frequent accidents, the loss rate, insurance companies, most are reluctant to get involved.
The Jiangdong judges of the Court said, illegal traveling by the electric bike has a very prominent from the traffic police department for the transfer of data, Ningbo City last year, an average of two days and one died of a battery car accident, so I hope the electric bike owners from the community security and alleviate the personal risks and pressures on the "seat belt" to the battery cars.
