The General Insurance Association, PM vs. Car Traffic Accident Fault Ratio Revealed
[Asia Economy Reporter Oh Hyung-gil] When a scooter driver crossing a crosswalk on a red pedestrian signal collides with a car going straight on a green light, the scooter driver will be held fully liable (100:0).
In cases where a scooter suddenly enters the road from the sidewalk and collides with a vehicle, the scooter driver is 70% at fault, and the car driver is 30% at fault.
The General Insurance Association disclosed 38 non-standard fault ratio criteria on the 23rd for 'PM (Personal Mobility devices) vs. car traffic accidents' to prevent disputes and lawsuits over fault ratios as the use of PMs like scooters increases.
Non-standard criteria refer to fault ratio standards that are not included in the official fault ratio recognition criteria but are prepared through research projects and consultations with traffic, legal, and insurance experts. They have a preliminary notice character for the official fault ratio recognition criteria.
The General Insurance Association established these criteria by referring to recently revised and enforced traffic laws and recent domestic and international precedents through legal experts, and finalized them after consulting traffic, legal, and insurance experts to ensure objectivity and public interest.
Reflecting the unique driving characteristics of PMs, such as sudden starts, rapid acceleration, and sharp turns compared to bicycles, the standards for sudden entry or sharp turns have been strengthened compared to bicycles.
When a PM and a car collide at an intersection while entering on a red light using different roads, the car driver is assigned 70% fault, and the PM driver 30%. At intersections without traffic signals, the fault ratio is 80% for the car driver and 20% for the PM driver.
This fault ratio standard will be posted on the 'Fault Ratio Information Portal.'
A representative of the General Insurance Association urged, "All road users, including PM and car drivers, should comply with laws and pay close attention to safe driving."
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