Should compulsory civil liability insurance for motorbikes be abolished?

In fact, many people do not buy civil liability insurance for their motorbikes, even though this is a compulsory type of insurance. The procedures are cumbersome, even causing difficulties for the insured, leading to many cases of accidents, the motorbike owners do not want to call the insurance, even though they still have to compensate the third party for the damage.

The compensation insurance rate is only over 4% for civil liability insurance for motorbike owners, not only simply reflecting the rate of accidents caused by motorbikes, but more deeply, that number clearly shows people's indifference to their rights when an insurance event occurs.

That is why many people have proposed to abolish this type of insurance. This opinion of voters and people was also brought to the parliament when the National Assembly discussed the Law amending and supplementing a number of articles of the Law on Insurance Business.

Motorcycle insurance continues to be drafted as compulsory insurance. Photo: laodong.vn

From an international perspective, this is a type of insurance applied by many countries in the world . There are cases where the owner of the motor vehicle causing the accident is not able to compensate for the damage, especially in cases of mass accidents, causing serious consequences, or the person causing the accident also dies... Civil liability insurance will then become a solid support for the victims - those who suddenly suffer great damage not only in material but also in health and life.

Therefore, we should not discuss whether to keep or remove the mandatory regulation for this type of insurance. What needs to be discussed is how to simplify the procedure for people when they are unfortunate enough to have an accident. Perhaps, we should regulate a common data source for insurance participants, so that when an accident occurs, everyone can look up the insurance information of the vehicle that caused the accident. When an accident occurs, the authorities handle the case and simultaneously exploit the insurance data, activating the compensation claim regime for the victim so that the insurance company can fulfill its responsibilities in a timely manner. Only then can the value of this type of insurance be promoted.

Although this is a civil responsibility, with the principle of "civil matters are based on both parties", but when the law stipulates that it is a mandatory case, it is no longer a purely civil case, and the authorities should not stand aside.

Source: https://baolangson.vn/co-nen-bo-bat-buoc-bao-hiem-trach-nhiem-dan-su-voi-xe-may-5064908.html