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Chapter 528 Motor Vehicle Traffic Accident Liability Disputes (1)

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    Lin Ziyao recently took a motor vehicle accident liability case, and the insurance company entrusted her.

    Liability for motor vehicle traffic accidents refers to the liability for tort damages that the owner or user of a motor vehicle should bear when a motor vehicle accident causes personal injury or property loss to others.

    The "Tort Liability Law of the People's Republic of China" has a special chapter on the liability of motor vehicle traffic accidents.  Responsibility for accidents; responsibility for motor vehicles that have been delivered but not registered for ownership transfer and cause damage to people in a traffic accident; transferor and assignee for motor vehicles that have been assembled or have reached the scrapping standard.  There are more detailed regulations on the liability for theft, robbery or snatched motor vehicles in the event of traffic accidents causing damage; and the liability for damage compensation when the driver of the motor vehicle in a traffic accident escapes.

    ?Disputes over liability for motor vehicle traffic accidents are also applicable to the determination of the relevant causes of action when a lawsuit is formed due to the above-mentioned disputes.

    Lin Ziyao briefly sorted out the case.

    The plaintiff, Liu Mei, took her husband Sun Yue's car with the license plate number Huai a2xxxx from Huaihai city to Pingliu (a county-level city in Huaihai, 80 kilometers away from Huaihai city). On the way, Sun Yue drove carelessly and had an accident.  , Liu Mei and Sun Yue were thrown out of the car successively. After being thrown out of the car, Sun Yue hit his head on the ground and died on the spot; the plaintiff, Liu Mei, was thrown out of the car and was injured and hospitalized for treatment.

    Lin Ziyao's entrusted agent of motor vehicle No. a2xxxx, insurance company a, has insured compulsory motor vehicle road traffic accident liability insurance (referred to as compulsory traffic accident insurance) and commercial insurance of the three parties, with an insurance amount of 422,000 yuan.

    The full name of compulsory traffic insurance is "compulsory liability insurance for motor vehicle traffic accidents".  Compulsory liability insurance that pays compensation within the limit.

    Compulsory traffic insurance is China's first compulsory insurance system stipulated by national laws.  The insurance premium is subject to a unified nationwide charging standard, which is uniformly regulated by the state, but the price of compulsory traffic insurance for different car models is also different, and the main influencing factor is the "number of seats in the car".

    Regardless of whether the insured is responsible for the traffic accident, the insurance company will make compensation within the liability limit in accordance with the specific requirements of the "Regulations on Compulsory Traffic Insurance" and the clauses of compulsory traffic insurance.  It plays an important role in maintaining the personal and property safety of road traffic passers-by and ensuring road safety. At the same time, it can reduce legal disputes, simplify handling procedures, and ensure that victims obtain timely and effective compensation.

    ? Limits of liability for motor vehicles in road traffic accidents:

    ?Limit of compensation for death and disability: RMB 110,000

    ?Limit of compensation for medical expenses: RMB 10,000

    ?Limit of compensation for property damage: RMB 2,000

    ? A motor vehicle is not liable in a road traffic accident, and it also needs to bear the compensation liability within the scope of the compulsory traffic insurance at a rate of 10%. Therefore, the compensation limit of the non-liability compulsory traffic insurance is:

    ?Limit of compensation for death and disability: RMB 11,000

    ?Limit of compensation for medical expenses: RMB 1,000

    ?Limit of compensation for property damage: RMB 100.  (Remember the site URL: www.hlnovel.com
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