In order to ensure their best interests, when an accident occurs, people need to clearly understand their responsibilities to enjoy motorbike insurance .
Article 12 of Decree 67/2023/ND-CP regulates insurance compensation principles.
Accordingly, when an accident occurs, the insurance buyer and the insured must have the following responsibilities:
Immediately notify the insurance company on the hotline to coordinate the settlement, actively rescue, limit damage to health, life and property, and protect the accident scene.
Do not move, disassemble or repair property without the approval of the insurance company, except in necessary cases to ensure safety and prevent and limit damage to health, life and property. assets or must be executed at the request of a competent authority.
Proactively collect and provide documents specified in the insurance claim file under the responsibility of the insurance buyer and insured person to the specified insurance enterprise.
Create favorable conditions for insurance businesses in the process of verifying the documents they provide.
Not only insurance buyers but also insurance companies have the following responsibilities:
Upon receiving notice of an accident, within 1 hour, the insurance company must guide the insurance buyer and the insured on measures to ensure safety, prevent and limit damage to people and property, and provide guidance. Provide documents and procedures for insurance claims; Coordinate closely with the insurance buyer, the insured, third parties and related parties within 24 hours to organize a loss assessment to determine the cause and extent of the loss as a basis for settlement. insurance compensation.
Within 3 working days from the date of receiving notice from the insurance buyer or the insured about the accident, the insurance enterprise must advance compensation for damage to health and life, including :
In case it has been determined that the accident is within the scope of compensation for damages:
70% of the estimated insurance compensation prescribed for a person in an accident in case of death.
50% of the estimated insurance compensation according to regulations for a person in an accident in case of bodily injury.
In case the accident cannot be determined within the scope of compensation for damages:
30% of the prescribed insurance liability limit for one person in an accident for death and an estimated injury rate of 81% or more.
10% of the prescribed insurance liability limit for one person in an accident in cases where the estimated injury rate is from 31% to less than 81%.
After making an advance payment, the insurance company has the right to request the Motor Vehicle Insurance Fund to refund the advance payment in case the accident is determined to be excluded from insurance liability or not covered by insurance.
Within 5 working days from the date of the accident, except in cases of force majeure or objective obstacles, the insurance buyer and the insured must send notice of the accident in writing or via email. for insurance businesses.
When an accident occurs, within the scope of the insurance liability limit, the insurance company must compensate the insured for the amount that the insured has compensated or will have to compensate the damaged person.
In case the insured person dies or loses civil act capacity according to the Court's decision, the insurance enterprise directly compensates the damaged person or the damaged person's heirs (in the case of the injured person). The damaged person has died) or the representative of the damaged person (in case the damaged person has lost his/her civil act capacity according to the Court's decision or is a minor according to the provisions of the Civil Code).
People should note that mandatory motorbike insurance is civil liability insurance for third parties when an accident occurs.
