Is there anyone who knows about vehicle compulsory traffic insurance?

Nearly a year has passed since my country implemented compulsory motor vehicle traffic accident liability insurance (compulsory traffic insurance) on July 1 last year. However, reporters recently learned from major after-sales service centers in Foshan that so far, 90% of the people still do not understand compulsory traffic insurance, and nearly 10% of the non-responsible party car owners need to bear the liability for the accident-related damage caused by the insurance company that purchased the compulsory traffic insurance because they did not declare it in time. Compensation fee of 400 yuan.

Recently, the car owner, Mr. Lai, encountered inexplicable misfortune. Not only was his car hit, but he also had to bear the cost of repairs. He was driving cautiously on the road when he was rear-ended by another car. After being handled by the traffic police, the other party will bear full responsibility.

Since the hit was not serious, Mr. Lai sent the car back to the 4S shop for repairs two days later, which cost 800 yuan. When Mr. Lai handed over the receipt to the party responsible for the accident to claim compensation, the other party only compensated 400 yuan. The reason was that the other party's vehicle also caused damage. Although both parties purchased compulsory traffic insurance, Mr. Lai failed to apply for compensation for the accident-related party within 48 hours from the insurance company from which he purchased the compulsory traffic insurance. In the end, he paid for the other party's compulsory traffic insurance compensation.

There are not a few people who have experienced the same thing as Mr. Lai. It is very common to pay for compensation out of pocket because of ignorance of compulsory traffic insurance. The reporter obtained a surprising set of data from Foshan Nanhai Hefu Automobile Sales and Service Company. From July 1 last year to the present, more than 100 vehicles had traffic accidents for which the owners were not responsible and were brought back to repair shops for repairs. More than 90% of them were sent to repair shops. When the car went to the repair shop for repairs, the accident was still not reported to the insurance company and the party responsible for the accident applied for compulsory traffic insurance compensation. The vast majority of car owners report the crime to the insurance company under the guidance of car after-sales personnel. According to the company's statistics, about 10% of car owners are unable to claim compulsory traffic insurance compensation for the vehicle that caused the accident because they failed to report the accident to the insurance company within 48 hours. The above-mentioned non-responsible party is not willing to pay 400 yuan for the other party out of his own pocket, and the two parties often have compensation disputes for this reason.

Industry insiders pointed out that the implementation of the compulsory traffic insurance system is to force motor vehicle owners or managers to purchase corresponding liability insurance through national laws, so as to increase the coverage of three liability insurance and provide traffic accident victims to the greatest extent. Provide timely and basic protection. In order to protect their own rights and interests, car owners should report the case in time to reduce the compensation disputes caused by no liability.