What Are the Claim Techniques for Non-Motor Vehicle Full Liability?

[SanAngelo]

In non-motor vehicle traffic accidents, both parties involved must bear the losses according to their respective liability proportions, meaning the motor vehicle compensates for the non-motor vehicle's losses, and vice versa. The calculation method is as follows: first, calculate the loss amounts for both parties, then each party compensates the other for their respective proportion of the loss. Claim considerations: Report promptly: After a traffic accident, the vehicle owner should protect the scene and report to the insurance company within 48 hours, truthfully describing the accident process, providing the insurance policy, and waiting for the insurance company's surveyor to inspect the scene, while filling out the "Claim Application Form." Small losses may not be worth claiming: Because when renewing auto insurance, insurance companies offer a premium discount clause—if a vehicle has no claims for a year, the owner can enjoy about a 10% premium discount upon renewal the following year; if there are no claims for several consecutive years, the premium discount can reach up to about 30%.