Shanghai BMW car accident, substitute driver seriously injured dying, high medical expenses, car owner pocket?

Recently, citizen Mr. Li

Ask the Newsroom Concentric Service Platform for help

Said the chauffeur drove his BMW

There was a single vehicle accident and the vehicle was scrapped

Mr. Li himself is not a big deal

However, the substitute driver was seriously injured and hospitalized

Today, Mr. Lee's BMW car

Compensation was obtained through insurance

However, the insurance coverage for the chauffeur is insufficient

Is it necessary for Mr. Li to be a substitute driver for the seriously injured?

Do you cover most of the medical expenses?

According to Mr. Li's recollection, the accident occurred at 23 o'clock on the evening of May 23 this year, and he found a substitute driver from Master An's chauffeur company.

At the time of the crash, he was sitting drunk in the back seat and sleeping. Finally, it was confirmed through judicial appraisal that it was the substitute driver who had a bicycle accident, the vehicle hit the high-speed guardrail, and the substitute driver was sent to the hospital for rescue.

Mr. Lee

The master is not considered comatose now, and he can simply express it with his eyes open, but his consciousness is not too clear, and his self-care ability has not fully recovered.

Afterwards, Mr. Li communicated with Master An's chauffeur company, and the other party proposed that although the substitute driver was fully responsible, it was a bicycle accident, and hoped to take the car insurance purchased by Mr. Li to compensate for the damage to the car, and then compensate for the increase in premiums in the next year.

However, Mr. Li believes that whoever is responsible should be compensated, not through his own car insurance. In this regard, the chauffeur company said that it and the chauffeur are not an employment relationship, but a platform partnership, and if you want to pursue responsibility, you need to find a chauffeur first.

presently

Master An chauffeur company has been with Mr. Li

Agree on the total amount of compensation

Minus the proceeds from the auction of Mr. Li's old car

The rest will be driven by Master An

The partner insurance company will compensate

But the medical expenses of the chauffeur

Insurance is difficult to fully cover

Mr. Lee

The substitute driver still has a little barrier in language expression, can not get out of bed, can not take care of his own life, belongs to brain injury. The hospital diagnosed that there was a lump in the brain, bleeding in the brain. Now only 30,000 yuan of accident insurance has been called, and other compensation has not been in place.

Then, the remaining medical expenses of the substitute driver

Does the owner Mr. Li need to bear it?

Master An's chauffeur company said that the general chauffeur has accident insurance, with a premium of 80 yuan a year, and can get 30,000 yuan of medical compensation and 250,000 yuan of death compensation and other protections. There is also chauffeur liability insurance, which fully protects the compensation for car damage, casualties and third-party losses caused by the chauffeur's liability, so the owner does not need to worry.

The person in charge explained that there are often substitute drivers who are unwilling to buy the 80 yuan accident insurance, and once there is a problem, they will regret it. They also hope that the chauffeur will increase their awareness of self-protection, so that they can ask the insurance company to introduce insurance with a higher compensation amount.

This is also obtained

The legal profession agrees

Insurance companies can roll out appropriately

The amount of coverage is larger and the coverage is broader

Chauffeur accident insurance

For chauffeur to choose

Yang Zouhua, the chief lawyer of Shanghai Shendao Law Firm, pointed out that only one seat insurance in the vehicle itself insurance can cover this situation, but often the amount of seat insurance is not high. If the substitute driver is seriously injured, these amounts may not fully cover his medical treatment and subsequent personal injury compensation.

In addition, the legal profession appealed

I hope that insurance companies can keep pace with the times

Insurance that meets more demand today

For the chauffeur master can have comprehensive coverage

Finally, Xiaofang also wants to remind

Substitute drivers

Don't regret until an accident occurs

Why didn't I buy insurance at that time?

Out of the car, the accident does not know when it will happen

Don't take chances

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Reporter: Wu Haoliang, Zhu Yong, Kong Quan

Edited by Lady W