The main vehicle and trailer are insured separately, and how to settle the claim after the accident?
The second opinion is that the legislation of the compulsory insurance regulations for motor vehicle traffic accident liability in People's Republic of China aims at ensuring that the road traffic accidents victims of motor vehicles are compensated in accordance with the law. Whether the car or trailer caused by traffic accidents, because the main vehicle and the trailer respectively constitute two insurance two insurance contract, two different insurance object connected together, causing loss to the victim's personal or property, the insurance company should be compensated in the two agreed to the insurance contract within the limit of compensation.I agree with the second opinion, for the following reasons:First of all, to pay compulsory insurance by the insurance company to the insured motor vehicle road traffic accident caused by the victim (not including the personnel of the vehicle and the insured) casualties and property losses, shall be compulsory liability insurance compensation within the limit of liability. In order to deal with the disputes correctly, the contract between the applicant and the insurer must be solved first. Treatment of compulsory insurance contract dispute is mainly based on the "People's Republic of China insurance law" "People's Republic of China motor vehicle traffic accident liability compulsory insurance regulations", according to the contract between the insurer and the insured to pay compulsory insurance contract.
In the case of road traffic accident personal injury compensation cases, often the main vehicle and the trailer are insured to pay high insurance, the insurance company should be in a compulsory insurance or two compulsory insurance liability limit shall bear responsibility for compensation, have been controversial, is controversial:The first opinion: if the insured vehicle main vehicle or trailer accidents, trailer or main vehicle without contact with the victim and the victim of vehicles in the traffic accident, according to the provisions of the insurance company shall, within the limits of the compulsory insurance contract liability insurance in the main car or trailer for compensation.
Secondly, "the first People's Republic of China motor vehicle traffic accident liability compulsory insurance regulations" provisions of the compulsory insurance system is established for protecting the motor vehicle road traffic accident victims to obtain compensation, promoting road traffic safety. As far as the essence of the strong insurance contract is concerned, the compulsory insurance contract is the insurance contract that the insured has to avoid his liability for compensation for the third party. The establishment of national compulsory traffic accident liability insurance system is not only conducive to the road traffic accident victims to obtain timely and effective economic security and medical treatment, but also help to reduce the economic burden of traffic accidents. The main vehicle and the trailer two connected together, causing loss to the victim's personal or property, if the insurance liability limits only in the main car or trailer one of the insured in the claims, then the vehicle compulsory insurance system and the purpose of the state does not match, which also make contract with the insured the purpose, but not conducive to the timely and full compensation for victims. Therefore, whether the purpose of legislation or from the purpose of contract interpretation, insurance companies should be two strong insurance liability limit within the claims;
