Who will be responsible for the elevator accident?

In recent years, there have been more and more accidents caused by hitchhiking, and people are constantly experiencing various problems while using transportation reasonably.

Not recently, an accident in Huocheng County, Xinjiang became lively on the Internet. For the convenience of going to work, Dong takes his colleague Wang's car to get off work every day, and the gas money is generally borne by him. Once, because the road was slippery on a snowy day and the driver Wang handled it improperly, the car crashed into a tree, which caused a tragedy. Dong was seriously injured and was finally identified as a first-class disability.

I have been engaged in the insurance industry for many years. As far as I know, hitchhiking has two kinds of accidents. One is that the traffic accident caused by the hitchhiking owner is borne by the owner, and if it is caused by the other vehicle, the other vehicle is responsible.

Let's talk about the division of responsibility for this accident first. There is no doubt that Wang will bear all the responsibilities. The court's decision must be borne by the king. The difference is that if Wang buys enough auto insurance, he doesn't need to bear the loss himself, but if he doesn't buy enough insurance, he needs to bear the remaining amount of insurance compensation.

In this accident, the car insurance that can be used includes:

Automobile damage insurance. Vehicle seat insurance. Driver's accident insurance. In the event of a traffic accident, the vehicle must be damaged first, so it is necessary to buy car damage insurance. According to the value of each car, the amount of car damage insurance will be set according to a certain proportion. For example, the amount of car damage insurance for a car with 654.38+ million is different from that for a car with 500,000.

I remember my cousin's car was settled for car damage insurance, because he accidentally scratched it, which caused a lot of scratches on the body. I went to the repair shop designated by the insurance company, spent seven or eight hundred dollars, and finally reimbursed it.

The second is vehicle seat insurance to ensure the personal safety of drivers and other people sitting in the car. The amount is not high, and it may be 65438+ 10,000 at most. People with average conditions still recommend buying. If the conditions are better, people need to buy more insurance to protect their vehicles and personnel.

The last kind of insurance is driver accident insurance. If the insurance just now is just the foundation, then this insurance may be a big move, because the amount that this insurance can buy is very high, from hundreds of thousands to millions, just like the situation in this accident. If the owner buys millions, there is no need to worry about going out, and all kinds of medical expenses needed by the victims will be solved.

By the way, in addition to paying compensation according to the above situation, normal purchase of compulsory insurance can also play a role. For example, Mr. A and Mr. B's car collided, and the traffic police finally investigated Mr. A's responsibility. Then his compulsory insurance can pay the other party's losses, including the other party's medical expenses except vehicle maintenance, but it is limited. Generally, there are not many cases, so it is still necessary to supplement the traffic commercial insurance, otherwise the huge gap will still be paid by itself!

The above is what I learned about the responsibility and settlement of traffic accidents. I hope I can help more people. Thank you!