How to be prepared for a motorcycle accident in China

[andre555]

@Fred
Agree on insuarnce - and they pay, but you need Chinese skills or Chinese helper to handle it.
My expirece is from car accidents where even the people adapt their stories so that the both insurances are paying the oponents case.

[euphonius]

@Fred
Agree on insuarnce - and they pay, but you need Chinese skills or Chinese helper to handle it.
My expirece is from car accidents where even the people adapt their stories so that the both insurances are paying the oponents case.

Interesting comments about insurance, and this could even merit a new thread. Inspired by a comment from ChinaV about buying extra coverage, I tried to do the same thing for my Jialing at my insurer, which I think also is PICC. They sold me a slightly improved policy with third party coverage up to 100k for an extra 112 rmb (which is way less than 1500 rmb). Very easy to do. But then Motokai tried to get the same thing, and they said it was only for cars, not motorcycles. Same office, but different clerk. Finally, he prevailed, but only after obliging them to dig out my policy.

Yes, the standard policy is laughably cheap and easy, but what's it really worth?

How about we drag this discussion over into a thread called Motorcycle insurance in China?

cheers

[bigdamo]

What about thread just for insurance in China.

I think I just got ripped I payed 2200 rmb a year(the price will go up next year because of my age) for a coverage of 500,000 rmb.

That was for if I get injured ,sick or die and have to go to hospital or the cemetery which ever is the case.Doesn't matter if I get injured riding a motorcycle, driving a car or skiing.

[ChinaV]

I think I just got ripped I payed 2200 rmb a year(the price will go up next year because of my age) for a coverage of 500,000 rmb

That's a great price, ¥2200 wouldn't even get you a month of insurance in America and ¥500,000 would last about 10 minutes in an emergency room. I think you did good and that's money well spent.

If we're going to go off on an insurance thread, let's be sure to separate it into Automotive, Health, Property, etc.

Cheers!
ChinaV

[bigdamo]

That's a great price, ¥2200 wouldn't even get you a month of insurance in America and ¥500,000 would last about 10 minutes in an emergency room. I think you did good and that's money well spent.

If we're going to go off on an insurance thread, let's be sure to separate it into Automotive, Health, Property, etc.

Cheers!
ChinaV

Is that a good price for China?

Apparently i am the first western person who has taken out this type of insurance in Xinjiang.Find that hard to believe.

We approached many insurance companies and they didn't want to know about insuring me.Only one would cover me.

We are quite a few years behind eastern China though.

[ZMC888]

But 1 disagreement and 1 remark :

Disagreement : advising foreigners to "pay out" or to show USD bills is not the solution according to me, it only reinforces the problem. I know I know, I've been in China for a while now, and I know what you meant here. But my point is that paying out too easily to avoid problems only encourage this kind of behaviour in the future from Chinese towards foreigners. Stick to the first point you made, play by their rules : ask for compensation too, don't settle for giving money if you think you did nothing wrong at all.
I know several cases of foreigners not wanting to "pay out" when they did nothing wrong. The police came, threatened to impound both cars if the foreigner didn't pay what the other party was asking for. In all those cases, the foreigner then just handed out the key "ok let's impound them", which took completely the other party by surprise and they massively reduced the amount they were asking or abandoned all together their claims... Food for thoughts.

No, I'm not saying that foreigners should always pay out. Not your fault? Act hurt, demand money. Maybe a bit your fault? Pay and go ASAP. Someone else hurt? Pay and go ASAP. Simple.

If someone is hurt then someone pays, this is how it works, there is mostly no anti-laowei conspiracy, at least in the city I live in, but I can't speak for Shanghai. I've seen how it works with Chinese drivers. Some new foreigners think that because things work differently here then it means that they are being targeted to be screwed over and unfairly treated. Of course that does happen, but what happens to Chinese drivers/riders etc is often clearly unfair to our understanding of traffic law. I really am saying 'except only equal treatment'.

If there is only damage and no injury I have said to Chinese drivers/riders in the past in Chinese: 'you ain't getting a penny, because you were'........on the wrong side of the road/weren't looking where you were going etc 'are you gonna pay me? Uh no? You're blaming me? You can get f***ed' then just leave. But it didn't want to suggest that, because it is potentially something that could land you in trouble with the police or mafia, and I've been lucky to have had no consequences the thankfully few times this has happened.

+1 On new thread on how to get optional extra motorcycle insurance from the PICC, like Motokai I was told there was no such thing when I asked, and that the basic was all you can get, but that was a few years ago.