Although many families now have a car as standard equipment, many people still choose to ride electric scooters when commuting to get off work. Battery vehicles are more flexible and convenient than cars, and can save a lot of time in finding a parking space.
The frequency of use has increased, which has also led to more accidents. Many survey data show that the accident rate of non-motor vehicles in the risk of accidental injury has greatly exceeded the accident rate of motor vehicles.
So, when an accident occurs to a battery car, will insurance pay? What kind of insurance can pay for it?
Regarding whether a claim can be settled normally after an accident involving a battery car, it usually depends on two conditions: whether it meets the claims standards; and whether it is within the scope of exemption.
Critical illness insurance and life insurance
need to meet the corresponding death or disability claim requirements.
If the injury is very serious and meets the conditions for critical illness compensation, critical illness insurance can compensate; if the injury reaches total disability or direct death, life insurance can also compensate.
Medical insurance
The medical expenses during the treatment process can be reimbursed. Of course, there is a deductible limit, and compensation can only be paid if it exceeds this amount.
Accident insurance
The medical insurance provided by the accident insurance can compensate for the medical expenses during the treatment process; if the disability is left, the accident insurance can compensate according to the disability level after identification.
In addition, the definition of accident is "sudden, external, unintentional, and non-disease". If these conditions are not met, compensation will be refused. If a traffic accident occurs due to driving too fast, it does not meet the unintentional situation. , there are some subjective reasons that caused this accident, then the insurance company may refuse to pay compensation.
The insurance mentioned above will not compensate for third-party liability .
In other words, if you hit someone else while riding a scooter, or crash someone else's car, there is no way to compensate for the loss.
At this time, you need to purchase special electric bicycle insurance to compensate for third party liability.
An electric bicycle hit someone, and the compensation was 5,700 yuan. In May, Mr. Shen, who lives in Chongming, , was riding an electric bicycle on Renmin Road and collided with Ms. Wu, who was riding a bicycle. Mr. Shen himself was not seriously injured, but Ms. Wu's The car was damaged and people were injured. After the accident, the Chongming Traffic Police Department went to the scene of the accident to determine responsibility, and Mr. Shen was judged to bear the main responsibility for the accident. After determining the damage, Mr. Shen was judged to have to pay Ms. Wu 500 yuan for bicycle repairs, 2,000 yuan for medical expenses, and 6,000 yuan for disability compensation, a total of 8,500 yuan. Fortunately, Mr. Shen had purchased electric bicycle insurance before. After the insurance company's claim review, it was found that since Mr. Shen was primarily responsible, the insurance company's claim settlement totaled 5,700.39 yuan, which greatly alleviated Mr. Shen's losses.
What does electric vehicle insurance cover?
Electric vehicle insurance can well protect personal injury and death and third-party liability caused by accidents while riding a two-wheeled battery vehicle.
The protection liability of electric bicycle insurance is usually divided into three parts:
1. Driver's accidental injury protection
Simply put, when riding an electric bicycle, if an accident or injury occurs accidentally, the insurance company will make a claim to the insured based on the actual situation. . Of course, the amount of compensation paid by the insurance company is different for different premiums.
3. Liability protection for people on the vehicle
To put it simply, it is just like car passenger seat insurance. If someone else rides on your electric car and an accident or injury occurs, the electric car owner can apply for compensation from the insurance company, thereby avoiding compensation on his own. loss.
2. Third party liability protection
To put it simply, after a traffic accident, the traffic police determines that the electric vehicle party is fully responsible. When the electric vehicle party is fully or mainly responsible for the accident, the electric vehicle owner can apply for compensation from the insurance company, thereby avoiding his own compensation losses. .
Once a traffic accident occurs, it can not only protect the driver from accidental injuries, but also compensate for the personal injuries of the passengers and the third party who was hit.
In order to protect the common people from the risks of riding electric vehicles and prevent problems such as traffic accident claims for electric vehicles, the majority of electric vehicle owners who have not yet purchased insurance should quickly apply for insurance! The earlier you buy insurance, the earlier you get insurance!
