How does insurance compensation work in a multiple-vehicle collision?

Final week, there was a multiple-vehicle crash involving six automobiles heading in direction of Kowloon on Tolo Freeway. The pile-up of automobiles concerned was about 5 kilometres lengthy! Right now at INO, our specialists will check out how automotive insurers will deal with claims for a multiple-vehicle collision. 

Police investigation and court docket determination decide who’s liable

Whether or not it is the standard automotive crash or one involving a number of automobiles, as soon as an accident occurs, drivers will battle over who’s liable. More often than not, they will not have the ability to settle in non-public. It’s usually as much as the police and the court docket to determine the liable occasion. The motive force whose automobile has been crashed into can declare compensation from the opposite occasion in accordance with the court docket’s judgment.

Rear-end collision vs. autos being jolted ahead

When investigating, the police normally ask drivers of the autos in entrance to recount the variety of colliding sounds they’ve heard. That is to assist decide whether or not the crash was a rear-end collision or autos being jolted ahead. 

A rear-end collision occurs when a automobile stopped, however the one behind it did not brake in time and collided with the automotive in entrance. For instance, for instance there are 4 automobiles: A, B, C, and D. In a visitors accident, A stopped, however B did not cease in time and rear-ended A. C did not step on the brakes in time both and rear-ended B. Lastly, D didn’t halt and rear-ended C. 

Your automotive is seen as being jolted ahead when it was not in movement, however was crashed into after which pushed ahead to collide with the automotive in entrance. Utilizing the 4 automobiles (A, B, C, and D) for instance, A, B, and C stopped, however D could not brake in time and collided with C. This led to a series response of C crashing into B, and B crashing into A. 

Compensation for rear-end collision and being jolted ahead

Relying on whether or not your automobile was in a rear-end collision or was merely jolted ahead, the compensation technique differs.

The beneath state of affairs is how compensation usually works for autos concerned in a rear-ended collision: 

The beneath state of affairs is how compensation usually works for autos that have been jolted ahead in a multi-vehicle collision: 

Right here, as you possibly can see, there’s an opportunity D’s third occasion insurance coverage might want to compensate for the damages to automobiles A, B, and C in entrance. It is a hefty sum. If there’s an costly automobile forward, corresponding to a Ferrari, the compensation quantity can be sky excessive. In consequence, it is essential to purchase a 3rd occasion plan with sufficient protection. When you consider your third occasion protection quantity is inadequate, you possibly can even ask for a rise. 

Proceed studying: 

What to do within the occasion of a automotive accident

The automotive insurance coverage claims course of in Hong Kong

Contact INO for extra insurance coverage options 

INO has greater than 20 years of expertise within the automotive insurance coverage business. Moreover automotive insurance coverage (third occasion and complete), we additionally present residence insurance coverage, bike insurance coverage, Voluntary Well being Insurance coverage Scheme (VHIS), Hong Kong-Zhuhai-Macao Bridge (HZMB) insurance coverage, and extra. Get a free quote now with our on-line citation device! For a free plan comparability, contact our staff of skilled insurance coverage advisors at this time.