Who is responsible when two electric vehicles collide? How does electric vehicle insurance compensate?

Electric vehicles are a convenient and low-cost means of transportation for people. As a means of transportation, it is inevitable that there will be traffic accidents. Next, let's learn who is responsible when two electric vehicles collide? How to compensate for electric vehicle insurance and what to do if the ticket for electric vehicles is lost? Knowing more relevant common sense is responsible for yourself.

Contents of this article

1. Who is responsible if two electric vehicles collide?

2. How to claim for electric vehicle insurance

3. What should I do if I lose the ticket for my electric vehicle?

Who is responsible when two electric bikes collide?

In traffic accidents involving electric vehicles, the legal liabilities they bear are completely different depending on whether they are motor vehicles or not. When an electric vehicle is a non-motor vehicle and an accident occurs with a motor vehicle, the no-fault principle applies; when an electric vehicle is a motor vehicle and an accident occurs with another motor vehicle, the fault principle applies. The Road Traffic Safety Law of the People's Republic of China stipulates that if a motor vehicle causes personal injury, death or property damage in a traffic accident, the insurance company shall compensate within the limits of the motor vehicle third-party liability compulsory insurance liability; the remaining amount shall be compensated in accordance with the following provisions: (1) In the case of a traffic accident between motor vehicles, the party at fault shall bear the compensation liability; if both parties are at fault, the liability shall be shared in proportion to their respective faults. (2) In the case of a traffic accident between a motor vehicle and a non-motor vehicle driver or pedestrian, if the non-motor vehicle driver or pedestrian is not at fault, the motor vehicle party shall bear the compensation liability; if there is evidence that the non-motor vehicle driver or pedestrian is at fault, the motor vehicle party's compensation liability shall be appropriately reduced according to the degree of fault; if the motor vehicle party is not at fault, it shall bear no more than 10% of the compensation liability. If the loss of the traffic accident is caused by the non-motor vehicle driver or pedestrian deliberately colliding with the motor vehicle, the motor vehicle party shall not bear any liability.

How to claim for electric vehicle insurance

It is necessary to call the police in time after an electric vehicle traffic accident occurs. The insurance company will bear the compensation liability for the damaged electric vehicle within 2,000 yuan. If the electric vehicle driver is injured, the insurance company will bear the compensation liability within 10,000 yuan.

Traffic accident and compensation management regulations:

1. After a traffic accident occurs, call the police in time. The traffic police brigade will issue a traffic accident responsibility determination letter to divide the responsibility, and then calculate the compensation amount based on the division of responsibility and the disability level of the injured, the nature of the household registration and age, etc.

2. Compensation items generally include medical expenses, nursing expenses, transportation expenses, food allowance during hospitalization, nutrition expenses, loss of work wages, appraisal fees, disability compensation (death compensation, funeral expenses), and you can also apply for compensation for mental damage.

3. If there are elderly people who need to be supported or children who need to be raised, the dependents’ expenses must also be paid. The two parties can first negotiate to resolve the issue. If the negotiation fails, the issue can be handled through litigation.

4. If the motor vehicle is insured, the insurance company shall bear the compensation liability for the damaged electric vehicle within 2,000 yuan. If the electric vehicle driver is injured, the insurance company shall bear the compensation liability within 10,000 yuan. The above compensation is based on the premise that the motor vehicle is responsible. If the motor vehicle is not responsible, the insurance company will only pay 10% of the above amount.

What should I do if I lose the ticket for my electric vehicle?

If you lose your ticket, you can go to the traffic police team to get a new one and then pay the fine. If you fail to pay the fine within 15 days, you will be charged a late fee. It should be noted that no matter it is an on-site penalty or an off-site penalty (i.e., illegal parking ticket, electronic police recording, etc.), as long as the traffic management department has ruled on the illegal behavior, the driver should pay the fine within 15 days as specified in the "Penalty Decision", otherwise he will be fined for overdue, and the points may be transferred to the next scoring cycle.