【事故】絶対許さない！相手が無保険でも賠償させる簡単な方法

車屋の本音チャンネル【スタートベース】

12 Jul 202311:48

Summary

TLDRThis script discusses the importance of self-protection in car accidents, especially when dealing with uninsured drivers. It highlights the common misconception that insurance companies will handle everything post-accident. The speaker emphasizes the need for personal involvement in negotiations and the benefits of having comprehensive insurance, including clauses for uninsured drivers and legal fees. The script also touches on the emotional toll and time wasted when dealing with uninsured drivers and suggests that using legal professionals can be more effective than personal negotiations.

Takeaways

🚗 Accidents can happen even when you're not at fault, and dealing with insurance companies is often necessary.
💡 It's a common misconception that insurance companies will handle everything after an accident.
🚑 If you're not at fault in a collision, your voluntary insurance company may not help unless you initiate negotiations.
🚦 Rear-end collisions are common, and if the at-fault party has no insurance, it can be very difficult to receive compensation.
🚔 Approximately 30% of drivers may not have voluntary insurance, which can lead to significant issues if they cause an accident.
🏥 If the at-fault party has no insurance and no assets, it can be nearly impossible to recover costs for damages or injuries.
💼 Having a 'no-fault' accident clause in your vehicle insurance can be beneficial as it covers repairs even if the other party can't pay.
📜 It's highly recommended to have a lawyer fee clause in your insurance to handle negotiations and legal actions against uninsured drivers.
💰 Using a lawyer can help recover costs from uninsured drivers by seizing their assets, which might not be possible to do on your own.
🚨 There's a significant number of hit-and-run cases, especially with the rise of dashcam videos being shared online.
🌐 Online insurance can be convenient, but it might be more beneficial to have a personal agent who can assist you in case of an accident.

Q & A

What is the main topic discussed in the script?
-The main topic discussed in the script is the importance of having proper insurance coverage in case of accidents, especially when dealing with uninsured drivers.
Why is it crucial to deal with insurance companies after an accident?
-It is crucial to deal with insurance companies after an accident because they typically handle the financial compensation and legal aspects when accidents occur.
What is the common misconception about insurance companies after an accident?
-A common misconception is that people believe insurance companies will handle everything after an accident, even if they are not at fault.
What is the situation when you are hit from behind while waiting at a traffic signal?
-If you are hit from behind while waiting at a traffic signal and the other party is at fault, your insurance company will typically not cover the costs if the other party is uninsured and has no insurance.
What percentage of drivers are estimated to be uninsured according to the script?
-The script estimates that about 30% of drivers are uninsured.
What is the difficulty faced when dealing with an uninsured driver after an accident?
-The difficulty faced when dealing with an uninsured driver after an accident includes the inability to receive compensation for damages, the need to personally handle negotiations, and the potential for the at-fault party to avoid responsibility.
What is the 'vehicle accident special provision' mentioned in the script?
-The 'vehicle accident special provision' is a type of insurance that covers the repair costs of your vehicle when you are not at fault and the at-fault party is uninsured or cannot pay.
Why is it recommended to have a 'lawyer fee special provision' in your insurance policy?
-The 'lawyer fee special provision' is recommended because it allows you to hire a lawyer to pursue compensation from the at-fault party without having to pay legal fees out of pocket.
What are the potential outcomes when using a lawyer to deal with an uninsured driver?
-Using a lawyer can lead to the seizure of the at-fault party's assets to cover damages, and it can also pressure the uninsured driver to pay compensation they might otherwise avoid.
What is the advice given for dealing with the emotional stress of being involved in an accident with an uninsured driver?
-The advice is to avoid wasting your valuable time and emotional energy on dealing with the uninsured driver directly and instead rely on your insurance and legal support to handle the situation.
What is the final call to action for viewers regarding insurance and accident preparedness?
-The final call to action is for viewers to ensure they have proper insurance coverage, including the 'vehicle accident special provision' and 'lawyer fee special provision', to protect themselves financially and legally in case of an accident with an uninsured driver.

Outlines

00:00

🚗 Accidents and Insurance Pitfalls

The speaker discusses the importance of protecting oneself in case of accidents, which are sometimes inevitable. They mention that even if one is not at fault, dealing with insurance companies is often necessary. However, a common misconception is that insurance companies will cover everything, but this is not always the case, especially when the at-fault party has no insurance or has not joined any voluntary insurance. The speaker highlights the significant issue of uninsured drivers, which they estimate to be around 30% of drivers. They emphasize the difficulty and time-consuming nature of dealing with such cases without proper insurance coverage, suggesting that individuals should ensure they have adequate insurance to protect themselves from such scenarios.

05:02

💼 Legal Protection and Insurance Coverage

The speaker continues by emphasizing the importance of having legal protection through insurance, specifically mentioning the need for a lawyer fee special clause. They explain that without this, individuals may have to bear the costs and efforts of negotiating with uninsured drivers who caused accidents. The speaker suggests using a lawyer to pursue compensation, as lawyers can legally seize assets and force payment from those who refuse to pay. They also touch on the emotional toll and the waste of time that dealing with such situations can cause, advocating for the use of legal measures to ensure that those without insurance are held accountable.

10:03

📢 The Importance of Insurance and Legal Action

In the final paragraph, the speaker summarizes the discussion on accidents and the importance of insurance. They advise viewers to ensure they have proper insurance coverage and consider consulting with insurance agents to understand the benefits of different policies. The speaker also suggests that using a lawyer's services can be more effective than dealing with insurance issues alone, especially when facing uninsured drivers. They conclude by urging viewers to protect their valuable time and not waste it on dealing with irresponsible individuals who do not have insurance, and to rely on legal and insurance systems to ensure justice.

Mindmap

Keywords

💡Accident

An accident, as discussed in the video, refers to an unfortunate incident that happens unexpectedly and unintentionally, often causing damage or injury. The video script mentions accidents as events that are sometimes unavoidable, even when one is not at fault. The theme revolves around the consequences of accidents, particularly those involving uninsured drivers, and how individuals can protect themselves.

💡Insurance Company

An insurance company provides coverage against various types of risk in exchange for premiums paid by the insured. In the context of the video, the insurance company plays a crucial role in handling claims and negotiations after an accident. The script highlights the limitations of insurance companies when dealing with accidents involving uninsured drivers.

💡Fault Proportion

Fault proportion refers to the degree of responsibility attributed to each party involved in an accident. The video discusses how insurance companies act based on the fault proportion, and how it impacts the process of compensation and claim settlement when the victim is not at fault.

💡Rear-End Collision

A rear-end collision is a type of traffic accident where one vehicle collides with the vehicle in front of it. The script uses this as a common example of an accident where the fault is clearly with the driver of the following vehicle, especially when the leading vehicle is stationary, such as at a traffic signal.

💡Voluntary Insurance

Voluntary insurance, also known as optional insurance, is a type of coverage that is not mandatory but can be purchased to provide additional protection. The video emphasizes the importance of having voluntary insurance, as it can cover situations where the at-fault party is uninsured or lacks sufficient coverage.

💡Uninsured Driver

An uninsured driver is someone who operates a vehicle without having the necessary insurance coverage. The video script points out the difficulties faced when an accident involves an uninsured driver, as they may not have the means to compensate for damages or injuries.

💡Negotiation

Negotiation in the context of the video refers to the process of discussing and coming to an agreement, especially in the case of settling claims after an accident. The script mentions that without voluntary insurance, the victim may have to personally engage in negotiations, which can be time-consuming and challenging.

💡Compensation

Compensation in this video refers to the payment or reimbursement provided to the victim of an accident to cover damages, medical expenses, or other losses. The discussion revolves around the challenges of obtaining compensation from uninsured or underinsured drivers.

💡Legal Action

Legal action involves taking a matter to court or using legal processes to enforce one's rights. The video suggests that legal action may be necessary when dealing with uninsured drivers who refuse to compensate victims, highlighting the importance of having legal expense coverage in one's insurance policy.

💡Property Seizure

Property seizure is a legal process where assets are taken by the court to satisfy a debt or obligation. In the video, it is mentioned as a potential measure against uninsured drivers who do not pay compensation, allowing the victim to recover some or all of their losses.

💡Self-Insurance

Self-insurance, as discussed in the video, refers to individuals covering their own potential losses rather than relying on an insurance company. The script advises against this approach, especially when dealing with uninsured drivers, as it can be financially and emotionally draining.

Highlights

Accidents can be unavoidable, even when you're not at fault, as sometimes the other party is entirely responsible.

When you are 100% a victim, such as in a rear-end collision, your own insurance company may not assist if the other driver is at fault.

If the other party is uninsured, you will have to handle settlement negotiations on your own.

Approximately 30% of drivers are not enrolled in voluntary car insurance, which can create significant issues during accidents.

Dealing with uninsured drivers can be time-consuming and often results in frustration, as they may not pay or avoid communication.

It's nearly impossible for individuals to claim compensation from uninsured drivers without professional help.

Using your own car insurance with specific coverage, like 'no-fault accident rider', can help you repair your vehicle even when the other driver is uninsured.

The 'no-fault accident rider' allows you to claim insurance without affecting your premium or insurance rating.

Adding a 'lawyer cost rider' to your insurance policy is crucial for pursuing legal action against uninsured drivers.

Lawyers can help enforce payment by uninsured drivers through asset seizure or wage garnishment.

Many uninsured drivers attempt to avoid paying repair costs or compensation by disappearing or refusing contact.

Without a lawyer, you risk wasting time and energy in negotiations with these uninsured drivers.

It's essential to review your own insurance policy and make sure it covers 'no-fault accidents' and includes a 'lawyer cost rider'.

Using legal action can push uninsured drivers to pay, as they often ignore their responsibilities until they are legally compelled.

The best way to protect yourself from uninsured drivers is to ensure your insurance covers legal expenses and damage repairs without relying on the other party.