Although there are not as many luxury cars on the street today, they are not rare. Ferrari, Rolls-Royce, Bentley, Maserati, Porsche... Every car is expensive. Especially for ordinary car owners, they are very afraid of encountering these luxury cars on the road. Once they hit, it would be better if the other party is solely responsible, but if it is their own responsibility, they may face high compensation. For luxury car owners, if the owner of the accident cannot afford to pay, it will be very annoying.
Not long ago, there was such a traffic accident in Suzhou, Jiangsu. A female car owner was driving a Honda car while turning a red light, and unfortunately hit a normal Rolls-Royce.
The female driver admitted to being distracted while driving and failing to see the traffic lights. The traffic police identified the female owner as the full responsibility. The left front of the Rolls-Royce was hit more seriously, the left headlight, bumper, grille, etc. were damaged, and the license plate fell. After communication between Rolls-Royce owners and manufacturers, if all the damaged parts of the accident vehicle are replaced, the maintenance cost will reach more than 1.4 million yuan.
Since the female owner is solely responsible, the maintenance cost needs to be borne by her. In the insured car insurance, compulsory traffic insurance and third-party liability insurance can compensate for the loss of the other party's vehicle.
Compulsory traffic insurance is a must-have car insurance, while the third-party insurance is a decision of the car owner. Third-party liability insurance for motor vehicles is abbreviated as third-party liability insurance. The insurance company is responsible for the compensation for the financial responsibility of the insured.
In an insurance contract, the insurer is the first party, the insured is the second party, and the third party is the one who suffers losses in a traffic accident.
The Honda female car owner's three-way insurance coverage is 1 million, but it is still 400,000 short of the compensation amount. But fortunately, the owner negotiated with the manufacturer and did not choose to replace the parts that could be repaired. The final repair cost was reduced to more than 400,000 yuan, and the three insurances were enough to cover.
Can not afford to pay or not pay, the consequences may be serious
There is no "luxury car insurance" in China, but the function of third-party liability insurance is similar to "luxury car insurance", and the insured amount is relatively high, divided into 50,000, 100,000, 150,000, 200,000, 500,000, 1 million, More than 1 million and other stalls. The female car owner mentioned above is insured for 1 million three-way insurance, which is already a relatively "insurance" choice. Under normal circumstances, the insurance amount of 1 million can be covered. After all, luxury cars like Rolls-Royce are still a few.
What needs to be said here is that even if third-party liability insurance is insured, the insurance company will have a certain deductible rate, usually 15%-20%, if it is not insured and not included in the deductible. If the amount of compensation is low, it is okay to say, if the amount is relatively large, the part that the owner needs to bear is still not a small amount.
| InsuredVehicle Liability Division | Accident Liability Deductible |
| full responsibility | 20% |
| main responsibility | 15% |
| equal responsibility | 10% |
| Secondary responsibility 5% | 5% |
Just as a Honda female car owner is out of 1 million, if she does not buy it, no deductible is included, and the full liability corresponds to a 20% deductible rate, which means that there is still 200,000 in compensation that needs to be borne by herself. The female car owner has to pay a total of 600,000 in compensation.
If the compensation for the part exceeding the insured amount of the three-party insurance is not exempted from the other party's car owner, it can only be borne by the owner of the accident. Whether it is due to not being able to pay compensation or not paying compensation intentionally, it may lead to more serious consequences.
Therefore, once you have confirmed your responsibility after scratching a luxury car, do not shirk responsibility or deliberately delay compensation, and have a better attitude. If you exceed the compensation limit of your own three-party insurance, try to negotiate other alternative solutions with luxury car owners. In the above-mentioned cases, the solution of repairing and not replacing has greatly reduced the maintenance cost.
The driver of the accident does not pay, what should the owner of the luxury car do?
The aforementioned Rolls-Royce owner is a great owner, exempting the high compensation from the female driver's insurance. If a luxury car owner encounters a car owner who refuses to pay compensation or deliberately delays the progress of compensation, what should he do?
In the first half of this year, a similar case occurred in Shenyang. An old man who was drinking and riding an electric car collided with a normal Mercedes-Benz, causing damage to the rear of the Mercedes-Benz.
The old man was fully responsible for the accident, but he had a tough attitude. He also questioned whether it was a fake Mercedes-Benz, otherwise it would not be broken at the touch of a button. He claimed that he would only pay 20 yuan in compensation, which made the Mercedes-Benz owner who had just picked up the car very depressed.
What should I do in this situation? In the insurance contract, there is a "subrogation" clause. At this time, luxury car owners can use this clause to require the insurance company they have insured to pay first, and then the insurance company will recover the driver who caused the accident.
If you encounter a car owner who refuses to compensate or claims to be unable to pay, the owner of a luxury car can also go through the civil litigation process, but the process is lengthy and energy-consuming, and it will also affect the normal use of your vehicle, which is very uneconomical. The introduction of subrogation has solved this problem very well.
In addition to the need for car damage insurance mentioned above, you should also pay attention to this when using subrogation. Subrogation can only compensate for car damage, not personal injury. The above-mentioned owners of Rolls-Royce and Mercedes-Benz both have their vehicles damaged, they can request subrogation; but if the driver is also injured in the accident, the related medical expenses and other expenses will not be compensated through subrogation.
Insurance advice
ordinary car owner
As the saying goes, don't be afraid of ten thousand, but be afraid of what happens. When car insurance is insured, third-party liability insurance can be as high as possible. Especially in first- and second-tier cities, cars are more expensive. Therefore, it is recommended that the three-party insurance start at 1 million, and the four first-tier cities in Beijing, Shanghai, Guangzhou and Shenzhen are recommended to insure more than 1 million insured.
In addition, it is recommended to purchase without deductible. Although the deductible does not seem large, the compensation amount for luxury cars is relatively high, even if it is 15%, it may be 100,000 or 200,000, which is not a lot.
luxury car owner
The cost of luxury car insurance is the same as the price of luxury cars, which is much higher than that of ordinary vehicles. From the point of view of danger, luxury car insurance is not much different from ordinary car insurance, but when super luxury cars are picked up, maintenance and insurance often have special service "gifts". For example, for a Ferrari of several million, the cost of compulsory insurance remains unchanged, but commercial insurance costs 100,000 or 200,000. And a Rolls-Royce of tens of millions, if you also buy insurance according to this ratio, the annual expenditure will be as high as several million. At this time, the special service "gift package" will play a role.
However, from the point of view of being hit, car damage insurance, excluding deductibles, still needs to be insured. Otherwise, if the perpetrator cannot be found or the perpetrator refuses to compensate or cannot compensate, they may not be able to obtain compensation, even subrogation. Not available.
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