Question from a reader:
I was involved in a traffic accident, but I am uninsured. I have hidden my uninsured status from my company and told them the fault ratio is 70:30. However, my company is asking for a document to prove the fault ratio. In this case, is there any document that can prove the fault ratio? The other party
is also uninsured. If anyone has detailed knowledge on this, I would appreciate your help. I would prefer not to receive advice about being honest. Thank you.

Considering Proof of Fault Ratio in a Traffic Accident While Uninsured

Hello everyone. Today, I want to talk about a somewhat heavy topic: traffic accidents. Specifically, I want to address a question from someone who has been in an accident while uninsured. Honestly, I understand that being in such a situation can weigh heavily on your heart, but let’s explore solutions together.

Organizing the Situation of the Accident

First, it is important to organize the circumstances surrounding the accident. The questioner mentioned that they told their company the fault ratio was “70:30,” but what were the actual circumstances of the accident? The fault ratio is determined based on the details of the accident, so it is necessary to reflect carefully. For example, did you proceed through a red light, or did the other party suddenly dart out? It is essential to calmly reassess how much responsibility each party bears.

Documents to Prove the Fault Ratio

Now, regarding the “documents to prove the fault ratio” that the questioner is facing, this is a somewhat tricky point. Typically, the documents needed to prove the fault ratio include the following: 1. Accident report: This is created by the police and includes an overview and circumstances of the accident. 2. Witness statements: If there are witnesses to the accident, their testimonies can serve as important evidence. 3. Photos of the accident scene: Photos of the scene can be very effective as evidence to show the circumstances of the accident. 4. Vehicle damage report: Keeping a record of the vehicle’s damage after the accident can also help in assessing the fault ratio. If these documents are in order, they can be used to support the fault ratio you are claiming. However, since being uninsured is a factor, gathering these documents to prove the fault ratio may not be straightforward.

Risks and Impacts of Being Uninsured

It is essential to understand that being uninsured carries significant risks. If you cause an accident, you may not be able to fulfill your compensation responsibilities to the other party, potentially leading to legal issues. Additionally, being uninsured can also result in significant losses for yourself. For example, you may have to cover medical expenses or repair costs out of pocket, and in the worst-case scenario, compensation payments could drastically change your life. I have personally experienced a minor accident in the past. Fortunately, it did not escalate into a major issue, but the worries and anxieties after the accident are still fresh in my memory. I understand how you feel.

How to Report to Your Company

Next, we should consider how to report to your company. After informing them of the fault ratio, it is natural for them to request documentation. The company needs to accurately understand the details of the accident and take appropriate action. However, you should also consider the possibility that hiding your uninsured status could lead to further problems. Honestly, how to report to your company is a difficult choice. Especially if you continue to hide your uninsured status, you may not be able to avoid future troubles. However, if you cannot provide documents to prove the fault ratio, the company may not be satisfied.

Final Thoughts

We have discussed various points so far, but ultimately, it is important to consider how your actions will impact the situation. If you have caused a traffic accident while uninsured, it is crucial to calmly organize the situation and gather as much evidence as possible. Additionally, facing your company with honesty may be the best choice in the long run. It is certainly not an easy path, but I hope you will strive for calm judgment and action for your future. Accidents can happen to anyone, so let’s approach the situation carefully to move in a better direction. Please remember to stay calm to minimize the impact of the accident. If you have any other concerns, please let me know. I will do my best to support you.