'Other Vehicle Driving Special Contract' helps when driving another car
Car owners recommended to consider 'Short-term Driver Expansion Special Contract'
'Personal Liability Insurance' helps prevent frequent accidents
In this case, if you have subscribed to the 'Other Vehicle Driving Special Contract' in your own car insurance, there is no major problem. This special contract compensates for accidents that occur while you are driving another vehicle. It applies if the vehicle is of the same type as your own but is not owned (used) by you or your family (parents, spouse, children). If you have this special contract and an accident occurs, you can receive compensation for Bodily Injury II, Property Damage, and Personal Injury. Bodily Injury I is compensated by the car owner's insurance.
From the perspective of the car owner, Mr. A, what insurance is recommended? Mr. A should consider the 'Short-term Driver Expansion Special Contract' as a wise choice. This special contract covers accidents that may occur when someone else and you take turns driving your car. It has the same coverage scope as your current car insurance. However, the coverage is effective only from 24:00 on the day of subscription to 24:00 on the end date, so you must subscribe in advance before driving. Be careful, as insurance may not cover accidents if the driver is not within the driver range specified by this special contract.
During the cold Lunar New Year holiday, unexpected car troubles such as battery discharge, fuel depletion, and tire punctures occur frequently. In such cases, do not panic and contact your car insurance company to request 24-hour emergency dispatch service. Depending on the insurer, services such as emergency towing, emergency refueling, battery charging, and tire repair are provided.
If a traffic accident occurs, how should you respond? First, report the accident to the police and notify the insurance company's call center to receive assistance. If the accident happens at night, turn on the hazard lights and set up safety triangles or flare signals to inform following vehicles and prevent secondary accidents. Then, carefully check the road and evacuate to a safe place such as outside the guardrail. Using a smartphone or other device to thoroughly photograph the accident vehicle and scene will be helpful later.
If you are curious about the fault ratio in a collision with another vehicle, it is good to refer to the 'Fault Ratio Information Portal' operated by the General Insurance Association. The fault ratio recognition standards posted here are the only officially recognized domestic standards created by referencing court precedents, laws, and dispute mediation cases, indicating the degree of responsibility of the perpetrator and victim in a traffic accident.
During the Lunar New Year holiday, other safety accidents besides car accidents are frequent. Personal Liability Insurance compensates for liability damages caused by unexpected accidents during daily life that harm others' bodies or property. It is usually included as a special contract in insurers' accident insurance, home fire insurance, and children's insurance. This is a good opportunity to check whether you have this special contract in your insurance policy.
If the insured causes a contact accident while pushing a car double-parked in front of their vehicle, compensation for the repair cost of the damaged vehicle is also possible. If a pet bites another person or pet during a walk causing injury, treatment costs can be compensated. If a child damages someone else's property such as a mobile phone while playing in a playground, repair costs can also be compensated.
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