The party responsible for the accident received compensation from the insurance company, but it has been reluctant to pay the non-responsible party. What should I do when this happens? Recently, a post published on a website in Hangzhou has aroused heated discussion among car owners. While car owners have accused this kind of unethical behavior, they have also proposed some solutions.
Seeing the benefits and forgetting the righteousness, the party who is fully responsible wants to rely on compensation
Before the Spring Festival, the owner of the car, whose net name is chinu, encountered a three-car rear-end collision on Wenyi Road. The cause of the incident was that the last Sail collided with the Bora from the rear, and the Bora collided with Chinu's car. The responsibility is very clear. Sail needs to take full responsibility. The traffic police issued an accident liability letter on the spot, and the insurance company also assessed the value of 480 yuan on the spot.
Chinu originally thought that the amount was not high, and the compensation was also paid by the other party's insurance company. It was very simple to handle the matter, and you could get the money when you prepared the claim materials. Unexpectedly, after all the claim materials were handed over to the Sail owner, the other party would never meet again, and would not even answer the phone later. In a word, Sail owners want to lose 480 yuan without compensation. "480 yuan is no more, no less, what should I do with the other party's attitude?" Chinu asked for help online very depressed.
Coincidentally, the owner of the car "Boss Sea" also encountered the same stupefying thing two years ago. Two years ago, Mr. Haida slowed down when driving a Jetta across the crosswalk at the entrance of Technology and Business University on Xueyuan Road, and the next few cars also slowed down.Who knew the fourth minivan was too latebrake, Causing a four-
The party responsible for the accident received compensation from the insurance company, but it has been reluctant to pay the non-responsible party. What should I do when this happens? Recently, a post published on a website in Hangzhou has aroused heated discussion among car owners. While car owners have accused this kind of unethical behavior, they have also proposed some solutions.
Seeing the benefits and forgetting the righteousness, the party who is fully responsible wants to rely on compensation
Before the Spring Festival, the owner of the car, whose net name is chinu, encountered a three-car rear-end collision on Wenyi Road. The cause of the incident was that the last Sail collided with the Bora from the rear, and the Bora collided with Chinu's car. The responsibility is very clear. Sail needs to take full responsibility. The traffic police issued an accident liability letter on the spot, and the insurance company also assessed the value of 480 yuan on the spot.
Chinu originally thought that the amount was not high, and the compensation was also paid by the other party's insurance company. It was very simple to handle the matter, and you could get the money when you prepared the claim materials. Unexpectedly, after all the claim materials were handed over to the Sail owner, the other party would never meet again, and would not even answer the phone later. In a word, Sail owners want to lose 480 yuan without compensation. "480 yuan is no more, no less, what should I do with the other party's attitude?" Chinu asked for help online very depressed.
Coincidentally, the owner of the car "Boss Sea" also encountered the same stupefying thing two years ago. Two years ago, Mr. Haida slowed down when driving a Jetta across the crosswalk at the entrance of Technology and Business University on Xueyuan Road, and the next few cars also slowed down.Who knew the fourth minivan was too latebrake, Causing a four-car rear-end collision. After the accident was determined, the minivan was fully responsible, and the Jetta car suffered a damage of 2,400 yuan. For this 2,400 yuan, Hai Boss has been chasing him for half a year.
In order to recover 5,000 yuan in compensation from the party responsible, the company where the "Jungle Alone" worked finally took the other party to court. The lawsuit was won, but the attorney fees had to be paid for by yourself. Thinking about it, it’s not worthwhile...
Many car owners appealed on the Internet about the disputes caused by the full responsibility of the "old laity", and they asked for advice on "what to do".
The current claims procedures can be exploited
"I thought about it, this money was also indemnified by the insurance company, but it had to go through his hands. I didn't expect that he would like to embezzle such money." Many car owners who encountered this incident said that they found it difficult to understand. Some car owners also said that in the event of such a thing, can the insurance company pay the indemnity directly to the irresponsible party?
“According to the current claims settlement procedures, the insurance company must pay the compensation to the party who is solely responsible, and then the party who is solely responsible for compensation to the non- liable party.” A person from Tianan Insurance told reporters that in the event of such an accident, the compensation is solely responsible for the compensation. The party’s insurance company pays, and the party solely responsible is the insured, the insurance company can only pay the indemnity to the insured. "In reality, there are often cases where the full-responsible party has already paid the maintenance fee. If the insurance company bypasses the full-responsible party as the insured and directly transfers the indemnity to the irresponsible party, then once it is not responsible, it will refuse to refund the advance payment. , The rights and interests of the insured will not be protected, and it is also illegal to do so.” He said that the insurance company also feels that there is nothing to do with this kind of behavior.
The irresponsible party provides claim materials to the party responsible, and then the full responsibility party applies for compensation from the insurance company where he belongs. It is the current claim settlement procedure that allows some unscrupulous car owners to find an opportunity. Because the amount is not very large, some car owners are reluctant to resort to the law for fear of trouble, making the other party more confident.
The car owner had no choice but to open a "remedy"
How to treat such "old people", car owners have made their own "remedies."
"Wonderful Thinking" said that if you write down the license plate number and directly find the other party's place of residence or work, you don't believe that the other party will give up "dignity" for the sake of only a few hundred or thousands of dollars. "Cha Niu" put forward a suggestion: It is better to take responsibility for the accident and let the insurance company to pay for it. This trick can indeed avoid trouble, but it is really unfair to the insurance company, and it is difficult to implement (if the insurance company is at the scene of the accident, it cannot do so). There are also car owners who believe that the most effective and most venting way is to see the court. This type of case is extremely simple, and the court can make a decision on the same day, but it is a pity that attorney fees are paid.
A person in the insurance industry suggested to reporters that when the non-responsible party provides claims materials to the fully responsible party, they should ask for indemnity, "pay with one hand and deliver with one hand." Faced with the requirement of "waiting for the insurance company to pay me the money, I will pay you the money", many car owners will agree. In fact, it is safe to ask the other party to pay the compensation on the spot. Maybe the other party will claim that "the insurance company's final loss will be different from the original estimate." In fact, it can be ignored. Even if there is a difference between the insurance company’s indemnity and the actual maintenance fee, the difference should be borne by the party solely responsible.
The Pacific Oceancarnet
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![The all-in-charge party relies on not giving compensation to car owners to open a “folk remedy” online[汽车保险知识]](/view/img/nopic.png)
