How to Claim Compensation for Motorcycle Compulsory Traffic Insurance When Fully at Fault?
3 Answers
Liability is assumed according to the responsibility proportion determined by the traffic police department. If insured, contact the insurance company as soon as possible. For personal injuries caused by traffic accidents, the main compensation scope includes medical expenses, hospitalization fees, nursing costs, etc. After the disability level is confirmed, various compensation liabilities are determined based on the local average wage of employees in the previous year, as well as the victim's age and household registration.
Last month, I had an accident while riding my motorcycle. I was fully at fault and crashed into a car parked on the roadside. I immediately contacted my insurance company, but they only covered the other party's repair costs and personal injury compensation, with a maximum limit of around 2,000 RMB for property damage and approximately 180,000 RMB for bodily injury. I had to pay for my motorcycle repairs out of pocket because compulsory traffic insurance doesn’t cover my own losses. The whole process took some time: first, I reported to the police to determine liability, then the insurance company sent someone to inspect the scene, and I submitted the accident report and insurance policy. The claim was settled after about two weeks. The car owner was quite understanding and only asked me to cover a few hundred yuan beyond the insurance limit, but repairing my motorcycle cost me 3,000 RMB, which was quite painful. I’d advise everyone to ride carefully, avoid speeding, and be extra cautious in rainy weather when roads are slippery and accidents are more likely. Also, make sure to purchase commercial vehicle damage insurance in advance—otherwise, you’ll suffer a big loss in situations like this. This experience taught me that insurance isn’t a cure-all, and safe driving is the most important thing.
As an experienced motorcycle rider, I understand the compensation process for at-fault accidents. The steps are straightforward: immediately report to the police and notify your insurance company after the accident, then submit the accident liability determination document. Compulsory traffic insurance mainly covers third-party losses, such as damage to the other party's vehicle or personal injury expenses. The coverage limits are modest, typically around 2,000 RMB for property damage, with higher amounts for bodily injury compensation. Remember, don't expect it to cover your own motorcycle repairs or medical expenses—you'll need vehicle damage insurance or health insurance for that. The insurance process isn't too troublesome, usually taking a few days to a week, but your own repair costs might be significant. For prevention, I recommend checking brakes and tire pressure before every ride and avoiding drunk driving to reduce the likelihood of being at fault. If you file claims frequently, your premiums will increase, so it's important to develop safe riding habits. In short, handle accidents promptly without panicking—insurance will generally cover the other party, but you're responsible for any excess costs.
