2020.2.2 未分類
Mandatory Automobile Liability Insurance – reduction in compensation due to negligence
Ｑuestion：
I was involved in a traffic accident at crossing. The Stop sign was on my road.
I made a request for insurance claim; for damage, the insurance company compensated \960,000 – deducted by 20% (max. compensation \1,200,000), and for injury, the insurance company compensated \520,000 – deducted by 30% (max. compensation \750,000) even though I was qualified for 14th degree.
I was not aware that there was reduction in an insurance compensation due to negligence.
What can we learn about it?
Ａnswer：
There is reduction in an insurance compensation because of at-fault-accident (when an insured is at fault).
Reduction ratio
- For damages（ compensation 1,200,000）, if it is determined to be at insure fault for ７０％~１００%, the compensation will be reduced by 20%.
For example，
If damages caused by the accident is estimated \1,300,000
\1,300,000＞\1,200,000（×０．８０＝ \960,000will be compensated
If damages caused by the accident is estimated \1,000,000
\1,000,000×０．８０＝\800,000 will be compensated
Please note that you will not be compensated for damages which you are at fault for 100%.
- For death and or injuries (specifically those involving aftereffects)
70%~80% fault =20 % reduction
80%~90% fault =30 % reduction
90%100% fault =50 % reduction
It is examined and determined by Liability Survey Office, and insurance company confirms it.
If you are dissatisfied with the reduction, you can certainly make a complain to the insurance company.