Secondary responsibility covers 30%
Recently, Mr. Liu had a collision with a farm tricycle that crossed the road, and the traffic police determined that Mr. Liu was secondarily responsible. Later, after the other party was discharged from the hospital, Mr. Liu compensated for the hospitalization fees, vehicle loss fees, and work loss fees, totaling more than 4800 yuan. Meanwhile, Mr. Liu spent another 2400 yuan repairing his car at the 4S store.
However, when Mr. Liu went to the insurance company for compensation, he was informed that since he bore secondary responsibility, only 30% of the repair costs could be covered, and the rest of the expenses would have to be claimed from the insurance company that insured the other vehicle. "The other party's farm tricycle didn't even buy insurance, so how can I claim compensation from their insurance company?" Mr. Liu retorted: "Isn't the insurance company obviously shirking responsibility?"
To date, in this road traffic accident, Mr. Liu has only received 30% of the car repair fee and the other party's medical expenses from the insurance company, totaling more than 1200 yuan, leaving more than 6000 yuan in expenses uncompensated. "Since full insurance cannot cover everything, then why should we still buy full insurance? It would be better to save some money and reduce losses," Mr. Liu said.