What to Do If a Motorcycle Accident Occurs Without Compulsory Traffic Insurance?
2 Answers
In the event of an accident, the first step is to call the police and wait for handling. If the motor vehicle party involved in the traffic accident has not purchased compulsory traffic insurance, they will not be able to receive compensation from the insurance company within the liability limit of compulsory traffic insurance.
Not having compulsory traffic insurance for a motorcycle can be a real headache if an accident occurs. First, you must stop immediately to check for injuries—if anyone is hurt, call 120 right away as saving lives is the top priority. Then, report the incident to the police and let the traffic officers determine liability. If you're at fault, you'll have to cover all medical expenses and compensation out of pocket. I once saw a friend hit an electric scooter and, without insurance, ended up paying over 8,000 yuan in repair costs—money he had to borrow. On top of that, the motorcycle might be impounded, and you could face fines. Here’s a reminder: always get compulsory insurance for your motorcycle—it only costs around a hundred yuan a year. Skimping on this small expense could cost you dearly in an accident. If you do find yourself in such a situation, it’s wise to consult a lawyer on how to handle compensation and try to negotiate installment payments with the other party.
