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Chapter 529 Motor Vehicle Traffic Accident Liability Disputes (2)

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    The death and disability compensation limit refers to the maximum amount of compensation that the insurer bears for the death and disability expenses of all victims of each insured accident in the event of a traffic accident with the insured motor vehicle.  Death and disability expenses include funeral expenses, death compensation, transportation expenses for the victim's relatives handling funeral matters, disability compensation, disability assistive device expenses, nursing expenses, rehabilitation expenses, transportation expenses, living expenses for dependents, accommodation expenses, and lost work  Expenses, mental damage comfort money borne by the insured according to court judgment or mediation.

    The limit of compensation for medical expenses refers to the maximum amount of compensation that the insurer bears for the medical expenses of all victims of each insured accident in the event of a traffic accident with an insured motor vehicle.  Medical expenses include medical expenses, diagnosis and treatment expenses, hospitalization expenses, hospitalization food subsidies, necessary and reasonable follow-up treatment expenses, plastic surgery expenses, and nutrition expenses.

    The limit of compensation for property damage refers to the maximum amount of compensation that the insurer will bear for the property losses of all victims of each insured accident in the event of a traffic accident with an insured motor vehicle.

    A traffic accident liability dispute is not a complicated case.

    When a traffic accident occurs, the traffic and patrol police department will issue the "Accident Responsibility Certificate" to determine the accident liability ratio, and then start the claim settlement procedure according to the accident liability ratio and the insurance contract.

    But the difference in this case is that the car accident between Liu Mei and Sun Yue was caused by Sun Yue himself driving a motor vehicle improperly, and there were no other infringers.  In addition, the "third party" in the compulsory traffic insurance and third party liability insurance refers to the people outside the car.

    And Liu Mei and Sun Yue are not people outside the car, but "people in the car".

    Based on the fact that Liu Mei and Sun Yue were not "third persons" or "persons outside the vehicle" but "persons in the vehicle", the insurance company determined that the two were not insured persons for compulsory traffic insurance and third party liability insurance, and rejected Liu Mei's  Claims filed.

    "Sister Wen, is there room for negotiation in this case?" Lin Ziyao asked Liu Wen, the manager of insurance company a.

    Liu Wen is a senior legal counselor of an insurance company. She shook her head firmly and said, "No, it's a matter of principle. We can't settle the claim."

    "Lawyer Lin, do you think that when we sell insurance, we talk about hype and coax policyholders to buy our family's insurance, but when it comes to claims, we shirk it in every possible way." Liu Wen asked.

    Lin Ziyao didn't expect Liu Wen to be so straightforward, she shook her head and said, "I didn't think so, I just thought, after all, Sun Yue passed away and Liu Mei was also seriously injured, can the insurance company give them some humanitarian compensation.  "

    Liu Wen said seriously: "We are in business, not charity."

    "Lawyer Xiao Lin, you have a heart of compassion, but I hope you put yourself in the right position. You are earning the agency fee of our insurance company. When you are in a lawsuit, don't let it go because of your compassion." Liu  Wen said.

    Lin Ziyao felt that Lin Wen could only accuse himself of being unprofessional and fight for the interests of the other party.

    If this name gets out, Lin Ziyao doesn't know how many customers he will lose.

    Lin Ziyao said seriously: "Sister Wen, you misunderstood, I just want to clarify our company's attitude, so as to decide the future litigation strategy. Since the company is impossible to compensate, then I know it in my heart, I will not do it  Please rest assured that there is nothing harmful to the interests of the client." (Remember the website URL: www.hlnovel.com
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