Accidents ... How is the negligence ratio, such as "which is bad"?
Various traffic accidents have occurred in the world every day.From the zero casualties to a traffic accident that caused enormous damage, the parties (drivers) determine the percentage of responsibilities in all traffic accidents.This is generally called negligence ratio.
Assuming that you have voluntary insurance through an insurance agency, the agency representative who received the accident from the insurance subscriber will tell the insurance company to confirm the consistency of the comparable information.increase.
In other words, the negligence ratio is determined by the insurance company, but what is this percentage determined in the first place?
table of contents
Insurance companies determine the negligence ratio with precedent data
The negligence ratio is based on the first trial, which is based on a similar traffic accident.
The negligence ratio in the precedent is the basis, but the flow of the times and cases may be reviewed.In other words, the ratio of the current traffic accident may change in the future.
If the insurance company decides the percentage of negligence based on the precedent, it is necessary to prove what the accident accidents had been in the insurance subscriber.Here are the reasons why you must apply for a traffic accident certificate in the event of a traffic accident.
The rate of negligence may change depending on the accident
The insurance company determines the negligence ratio by confirming the case of the accident, but this negligence ratio may change.
The criterion is "Is it corresponding to a revised element?"Drunk driving, driving while using a mobile phone, excessive speed, etc. are acts corresponding to the correction factor.
We talked to a person in charge of the revised factor.
"For example, if a driver with a large negligence ratio in the negligence ratio is" 7: 3 ", if it is driving while operating a mobile phone, it will be" 8: 2 "as corresponding to the correction factor.Nevertheless, the ratio of negligence varies significantly depending on the correction factor, and the change rate is about 10 %.However, it is rarely "7: 3" sometimes becomes "10: 0". "
Although some adjustments are included in this way, the negligence ratio is determined based on cases.However, it is undeniable that past cases are unreasonable to understand.
For example, a car running on the road and a car case trying to return from the gas station exit along the road to the road.If a car running on the road (priority road side) hits a car that comes out of the stand out of the stand, both will have a negligence ratio.
Various traffic accidents have been reported in each media, but if you pay attention to the negligence ratio and the judgment of the trial, you may see new tasks of traffic troubles.