Why is my fully insured car still being impounded?
2 Answers
The injured party may fear that the other party will not compensate for their losses or provide funds for medical treatment. According to legal provisions, the victim has the right to impound the other party's vehicle. Once impoundment is requested, the other party's vehicle cannot be driven away—in other words, it will be detained. Here are detailed explanations: 1. Explanation one: The other party can also post a deposit to retrieve the vehicle. If the at-fault party fails to compensate for your losses, the court will auction their vehicle or use the deposited funds to compensate the victim. 2. Explanation two: After an accident occurs, traffic police must determine liability. If the at-fault party bears major responsibility, the victim can request the court to impound their vehicle within 3 days. Failure to request impoundment within this period will be considered as waiving the right to impoundment.
Ah, speaking of this matter, I've encountered similar situations before. It feels like comprehensive insurance should cover everything, but in reality, it doesn't. Think about it, comprehensive insurance does cover a lot, including collisions, theft, or losses from natural disasters, but there's a deductible set. For example, last time my car got scratched while parked, causing a couple thousand in damages, but the insurance company said they'd only cover the amount exceeding the deductible, so I had to pay for the minor repairs myself. Also, some exclusions aren't covered, like everyday wear and tear or malfunctions due to improper maintenance. Insurance mainly protects against sudden accidents, not routine upkeep. They might also require installing anti-theft devices or safety locks—these are called risk mitigation measures to lower premiums, but I have to actively cooperate and not just rely on insurance. It's really important to read the contract details carefully and not be fooled by advertisements. Developing a habit of regular vehicle inspections is the safest bet.
