Does Wrong Way Crash Insurance Cover, Does Wrong Way Crash Insurance Claim

The insurance company should pay for the accident caused by the wrong-way driving of the motor vehicle.

Article 3 of Chapter 1 of China's "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" stipulates that compulsory insurance of motor vehicle traffic accident liability refers to the compulsory liability insurance that the insurance company compensates within the liability limit for the personal and property losses of the insured and the victim other than the insured caused by the road traffic accident of the insured motor vehicle.

Therefore, if a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law.

The insurance company should pay for the accident caused by the wrong-way driving of the motor vehicle.

Legal basis: According to China's "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability".

Compulsory liability insurance for motor vehicle traffic accidents refers to the compulsory liability insurance in which the insurance company compensates within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents of the insured motor vehicle.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law.

Compulsory liability insurance for motor vehicle traffic accidents implements a uniform liability limit nationwide. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

This issue must be divided according to the circumstances: in the first case, if the insured is caused by an intentional act, even if the insurance is fully insured, it will not be paid, because the intentional act is excluded. In the second case, the insurance company is liable for compensation due to the insurance liability caused by the violation.

However, the insured is subject to a certain deductible odds according to the accident liability. Responsibility for such accidents is determined by the traffic management department. In the third case, in the second case above, if the customer has insured the deductible amount borne by the insured within the amount of compensation in the special insurance without deductible, vehicle damage insurance and third-party liability insurance, the insurance company will pay for it, but we should see that two conditions must be met in this provision, one is that it must be for vehicle damage insurance and third-party liability insurance, and the other condition is that it is within the amount of compensation.

Fourthly, if the accident falls under other exclusions stipulated in the clause, the insurance company will not pay for it. Although the third case mentioned above may result in a 100% payout, it is by no means an arbitrary violation.

Is there any compensation for traffic accidents caused by wrong-way driving?

1. Is there a claim for wrong-way crash insurance?

1. Wrong-way collision insurance claims. Compulsory liability insurance for motor vehicle traffic accidents is a compulsory liability insurance for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents caused by the insured motor vehicle, and compensates within the liability limit.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If the insured motor vehicle has a traffic accident that causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limit of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law.

The insurance company will not compensate for the loss caused by the victim intentionally.

2. What are the main compensation items for traffic accidents?

1. Medical expenses. It is determined on the basis of the receipt vouchers for medical expenses, hospitalization fees, etc., issued by medical institutions, combined with relevant evidence such as medical records and diagnosis certificates;

2. Lost time pay. It is determined based on the victim's lost time and income status. The time of lost work is determined on the basis of the certificate issued by the medical institution that the victim received;

3. Nursing fees. It is determined according to the income status of the nursing staff, the number of nursing personnel, and the duration of nursing care;

4. Hospitalization meal subsidy. It can be determined with reference to the standard of food allowance for general staff of local state organs.

The insurance company that causes a car accident caused by wrong-way driving should compensate, but it will not compensate in the following circumstances:

1. No compensation for losing or scratching in the paid parking lot;

2. There is no compensation for the car that has not been inspected annually;

3. No compensation for intentional crashes;

4. No compensation for those who have not obtained a driver's license;

5. No compensation for cars without license plates;

6. If the report is not made in time, no compensation will be paid.

Is there any compensation for the car being smashed?

The vehicle is considered to be outside the scope of the car insurance and therefore the insurance company will not pay the claim. If the vehicle is injured by a tree on the side of the road, an unidentified object at a high altitude, or a falling stone, the insurance company will pay for it. If the coverage of car insurance includes human factors, then the insurance company will pay for it, but this type of car insurance is relatively rare.

Legal basisArticle 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accident liability, and shall have the right to recover compensation from the victim:

1) The driver has not obtained driving qualifications or is drunk and promoted;

2) The accident is caused during the theft and robbery of the insured motor vehicle;

3) The insured intentionally causes a road traffic accident.

In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

Legal Analysis: The insurance company should compensate for the accident caused by the wrong-way driving of the motor vehicle.

Legal basis: "Regulations of the People's Republic of China on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" Article 3 Compulsory insurance of motor vehicle traffic accident liability refers to the compulsory liability insurance in which the insurance company compensates for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents of the insured motor vehicle within the limit of liability and Qiyuan.

Legal Analysis: The insurance company should compensate for the accident caused by the wrong-way driving of the motor vehicle. Compulsory liability insurance for motor vehicle traffic accidents refers to the compulsory liability insurance for the personal and property losses of the victims other than the insured personnel and the insured file insurer caused by the road traffic accident of the insured motor vehicle within the liability limit.

Legal basis: Article 3 of the Regulations of the People's Republic of China on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that compulsory insurance of motor vehicle traffic accident liability refers to the compulsory liability insurance that the insurance company compensates within the liability limit for the personal and property losses of the victims other than the person who collapsed the vehicle and the insured caused by the road traffic accident of the insured motor vehicle.

In the event of a wrong-way motor vehicle accident, the insurance company should make a claim. Compulsory liability insurance for motor vehicle traffic accidents refers to the compulsory liability insurance provided by the insurance company for the personal and property losses of the victims other than the vehicle personnel and the insured in the event of a road traffic accident caused by the insured motor vehicle within the liability limit. Therefore, a wrong-way crash is covered by the claim.

Legal basis

Article 3 of the Regulations on Compulsory Insurance of Motor Vehicles The term "compulsory insurance for motor vehicle traffic accidents" mentioned in these Regulations refers to the compulsory liability insurance in which the insurance company compensates for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents of the insured motor vehicle within the liability limit.