Traffic Accident: 12000 RMB Compensation Dispute Over Insurance Coverage

In a recent motor vehicle accident case, the court delivered a ruling that clarifies liability and compensation limits under compulsory insurance policies. The dispute arose after a collision between a motor vehicle and an electric bicycle in an urban area, resulting in personal injury and property damage. The injured party, identified as Party A, sought total compensation of 12,189.60 RMB for medical expenses, lost income, nursing fees, and other losses. The driver, Party B, was found fully responsible by traffic authorities, and the vehicle was insured under a compulsory third-party liability policy with Company A, which had a maximum coverage of 122,000 RMB. Party A claimed medical costs of 3,769 RMB, lost income of 6,600 RMB based on a monthly salary of 2,200 RMB, nursing fees of 9,300 RMB for two caregivers, hospitalization allowance of 320 RMB, nutrition fees of 1,000 RMB, emotional distress damages of 1,000 RMB, transportation costs of 804.60 RMB, parking and bicycle repair fees of 320 RMB each, clothing loss of 600 RMB, and a preservation fee of 120 RMB. Company A acknowledged its obligation to compensate within policy limits but argued that several claims were excessive or lacked sufficient evidence. The court examined the facts, including Party A’s three-day hospitalization for a right lateral malleolus fracture, medical expenses of 2,096 RMB inpatient and 692 RMB outpatient, and a recommended six-to-eight-week rest period with one to two caregivers. The ruling emphasized that damages must be supported by clear evidence and that compulsory insurance coverage applies only to reasonable and necessary losses. The court ultimately reduced certain claims, such as lost income and nursing fees, to align with documented medical advice and actual earnings. This case highlights the importance of accurate documentation in personal injury claims and the limits of insurance liability in traffic accidents.