Who will pay if the donkey dies and the car is destroyed?

When driving at night, I am most afraid of the oncoming car turning on the high beams. Most drivers will choose to hold back, but some will take an eye for an eye. Not long ago, there was an accident in Inner Mongolia caused by the headlights of a car in the middle of the night, but the accident was not a person or a car, but a donkey.

What happened is like this, one day late at night, owner A of Aohan in Inner Mongolia was driving a car on a country road, when owner B was driving on the opposite side. Car owner B has the headlights on, and car owner A, who is flashing with strong lights, can hardly see the road ahead.

Owner B's "you're welcome" stimulated owner A, so he also turned on the high beam of his headlights, and the two sides fought the headlights. The meeting car just passed by, and soon the two cars went in the wrong direction. However, it was a coincidence that a donkey suddenly bumped over, and the owner of car A had no time to dodge, and the two sides collided. The donkey got into the car from the windshield of the co-pilot, and most of his body was embedded in the car, leaving only his butt on the outside. The donkey died on the spot. Fortunately, there was no one else in the car except car owner A, and car owner A was not injured.

Why did the donkey bump into it? It is reported that the donkey was going backwards by the roadside under the lead of the owner. The headlights of car A flashed, and the donkey was startled. The donkey broke free from the rope in the owner's hand and rushed to the car of the owner of car A.

The cause of the accident was that the owner of car B turned on the headlights, which stimulated the owner of car A, and the owner of car A turned on the headlights to stimulate the donkey. In fact, the owner of the donkey is retrograde, and the donkey also caused a lot of losses to the owner of car A. Thus, a chain of deduction accidents was formed.

How should the specific responsibility for this accident be divided? In the end, both parties accepted the mediation, and the owner of car A agreed to pay the donkey owner 23,000 yuan. The owner of the donkey claimed that the donkey was a breeding donkey, and the compensation price was much lower than the market price, so he still lost money. Generally speaking, the fault of car owner B turning on the headlights does not necessarily cause car owner A to turn on the headlights. For this accident, the owner of car B will generally be regarded as not responsible or slightly responsible. The main reason for the accident was that the owner of car A turned on the headlights and caused the donkey to break free from the rope.

Car owner A's vehicle was seriously damaged. Many netizens said that the money can be compensated, but the donkey has to be towed away, and the donkey meat can be made into a lot of donkey meat. less money. In fact, third-party liability insurance can pay for the loss of the donkey owner, and the owner's vehicle loss can be claimed through the car damage insurance. But even if you have enough insurance, and the insurance does not count for deductibles, it will still be very frustrating.

Meeting cars is a common situation, especially in narrow alleys, when a car that is not very polite is approaching, it is easy to make people angry. There have been more incidents where a car with high beams hit a pedestrian, and the driver with the high beams was judged to be secondarily responsible for the accident.

Such an accident happened in Loudi, Hunan. At about 19:00 on February 16, 2018, when Luo was driving a vehicle in the opposite direction to meet Li, it hit a pedestrian Wang who was crossing the road, causing pedestrian Wang to be on the spot. dead and two vehicles damaged. After investigation, the driving recorder of Luo's car showed that Li violated the regulations of meeting cars and did not change the high beams to low beams according to the regulations when meeting the car. According to the law, Li was found to be secondary responsible for the accident.

Regarding the use of lights when meeting vehicles, it is clearly stipulated in the "Implementation Regulations of the Road Traffic Safety Law of the People's Republic of China": At night, vehicles meeting at night should use low beams at a distance of 150 meters from the opposite direction, and on narrow roads and narrow bridges. Low beams should be used when meeting with non-motorized vehicles.

In the aforementioned incident of collision with a donkey in Aohan, Inner Mongolia, if car owner A did not turn on the high beams, but only car owner B turned on the high beams and caused car owner A to hit the donkey, he would be held secondary. In the actual accident, the donkey car was parked on the side of the road until dawn, but car B had long since disappeared.

In addition to high beams, there are also frequent accidents involving vehicles passing on narrow roads. In addition to the use of passing lights, Article 48 of the Regulations on the Implementation of the Road Traffic Safety Law of the People's Republic of China also includes four other provisions:

Specifically, the division of responsibility for a car accident can be divided into the following situations:

1. When meeting traffic on a road without intermediate isolation facilities and centerline

2. When there is no intermediate isolation facility and center line when the vehicles meet on the downhill road

3. When meeting cars at an intersection

4. When cars meet at the roundabout intersection

Full car insurance, but no scratch insurance

If you meet the car late at night, if the other party turns on the headlights and causes an accident, even if the driver feels wronged, he still needs to take the main responsibility, and the compensation should still be compensated. And often walking through narrow alleys, scratching is inevitable. Accidents are uncertain, but car insurance should be fully invested.

Normally, car damage insurance, third-party insurance and no deductibles all need to be insured. The former compensates for the loss of its own vehicle caused by its own fault, and the third insurance is used to compensate the other party. Since car insurance has a deductible rate, if the compensation amount is high, even if the deductible rate is not high, the car owner has to bear a lot of money.

At this time, do you want to insure scratch insurance? Scratch insurance means that during the insurance period, the paint on the body surface of the insured vehicle with no obvious collision marks is scratched alone, and the insurance company is responsible for compensation according to the actual loss. Intentional scratches, scratches caused by roadside branches, etc., are within the scope of scratch insurance. The amount of scratch insurance is divided into 2,000 yuan, 5,000 yuan, 10,000 yuan, etc., but the 2,000 yuan scratch insurance premium is about 250 yuan, which is not cost-effective. And the scratches on the paint surface of the car caused by collisions and scratches during the driving process are not covered by scratch insurance, but car damage insurance is required. Therefore, if there are no "bear children" around the parking lot, even if you often walk on narrow roads, there is no need to invest in scratch insurance.

Write at the end: It is said that often walking by the river, how can you not wet your shoes, it is inevitable that there will be a small bump when you meet a car. Driving irritability is a "little problem" of many car owners. When meeting cars on narrow roads, if they are not in a hurry, they can let the other party pass first. When meeting cars late at night, even if you can't approach cars from left and right, you must use your own lights in accordance with regulations. In general, there are many people in the current car, so you may wish to be courteous when meeting cars, so that the probability of an accident will be greatly reduced.