What is the coverage of motorcycle third-party liability insurance?
4 Answers
It includes compensation for death and disability, medical expenses, and property damage. The current compulsory motorcycle insurance is essentially the former motorcycle third-party liability insurance, which has been included in the mandatory insurance categories. The protection target remains unchanged, still covering the other party in an accident, with insurance amounts similar to the former liability insurance. Below are the relevant details: Compensation for death and disability: This refers to the maximum compensation amount the insurer will bear for the death and disability expenses of all victims in each insurance accident involving a motorcycle. Death and disability expenses include funeral expenses, death compensation, transportation costs for the victim's relatives to arrange the funeral, disability compensation, costs for disability aids, nursing fees, rehabilitation costs, transportation expenses, living expenses for dependents, accommodation costs, lost wages, and mental distress compensation as determined by court judgment or mediation. Compensation for medical expenses: This refers to the maximum compensation amount the insurer will bear for the medical expenses of all victims in each insurance accident involving a motorcycle. Medical expenses include medicine fees, diagnosis and treatment fees, hospitalization fees, meal subsidies during hospitalization, necessary and reasonable follow-up treatment fees, cosmetic surgery fees, and nutrition fees. Compensation for property damage: This refers to the maximum compensation amount the insurer will bear for the property damage of all victims in each insurance accident involving a motorcycle.
The coverage of motorcycle third-party liability insurance mainly compensates for injuries or property damage caused to third parties during your motorcycle riding. Specifically, it includes compensation for personal injuries to third parties, such as medical expenses, hospitalization costs, and other treatment-related expenses, as well as disability compensation or death benefits. For property damage, it covers repair costs for the other party’s vehicle after a collision or compensation for damaged items. For example, my riding buddy, Lao Zhang, once accidentally scratched a neighbor’s car, and the insurance covered the repair costs. However, remember that exclusions apply, such as intentional collisions, riding under the influence of alcohol, or riding without a valid license. The insurance has a compensation limit, with a minimum of 100,000 yuan, and it’s recommended to purchase coverage of 500,000 yuan or more; otherwise, you may have to pay out of pocket for major accidents. In case of an incident, promptly report it to the traffic police and the insurance company—avoid private settlements, as liability will be assessed during the claims process. In daily riding, this insurance is crucial—spending a small amount ensures safety and reduces your financial burden.
As a motorcycle newbie, I was also confused about what this insurance covers before, but now I understand it protects against damages you cause to others. The core coverage is for third parties, meaning anyone other than yourself, such as compensating pedestrians you hit for medical expenses or lost wages; it also covers repair costs for others' vehicles or property. But don't treat it as a catch-all—claims won't be paid for drunk driving or intentional acts. A key point is that the coverage limit you choose when buying insurance matters greatly. If it's too low, it might not suffice in a serious accident. Last year, I had to pay 30,000 in compensation for an accident, and luckily, I had bought a 300,000 coverage limit. Don't just look at the price when buying insurance; read the terms carefully. For daily commuting, it's advisable to opt for higher coverage limits plus additional riders. After an accident, don't tamper with the scene—take photos and contact your insurer immediately. They'll handle the process for you, saving hassle and avoiding disputes.
After years of riding motorcycles, I've concluded that third-party liability insurance covers damages you cause: medical expenses for injuries, disability, or death of third parties; repair or replacement costs for damaged property. Once my friend had an accident and hit an electric bike, the insurance covered the other party's medical bills. It's advisable to choose appropriate coverage when buying insurance, and report to the insurance company after an accident—they'll handle the follow-up.
