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ประกันภัยชั้น1 กับค่ามนุษยธรรม
ขอคำปรึกษาครับ
ผมประสบอุบัติเหตุ โดย มีรถมอเอตอร์ไซค์ เปลี่ยนเลนจาก เลน 4 มายังเลนที่3 (เลนผม) โดยขณะเปลี่ยนเลนได้ทำการเปลี่ยนเลนกระทันหัน(ไม่แสดงไฟสัญญาณจราจร+ไม่สวมหมกกันน็อก+ไม่มีใบขับขี่)ในขณะที่รถคู่กรณีอยู่ประมานประตูคนขับ ผลก็คือ ตามสันชาติญาณ ผมจึงหักหลบมาทางซ้านเลนที่2 แต่ประกฎว่าหลบไม่พ้น ทำให้รถมอเตอร์ไซค์คู่กรณีมาเกี่ยวที่ประตูหลังด้านขวาแล้ว รถก็ล้มลง เป็นผลทำให้คุณป้าที่ขับเสียชิวิตที่โรงพยาบาลต่อมา ส่วนเด็กหญิงคนที่ซ้อน หัวโนขาถลอกนิดหน่อย
คำถามคือ
1. บริษัทประกันภัย(ชั้น 1) จะมี ค่าชดเชยใคให้กับผู้เสียชีวิตบ้าง และจำเป็นต้องเสียหรือไม่
2. บริษัทประกันบอกผมว่า กรณีนี้เราเป็นฝ่ายถูก บริษัทไม่มีหน้าที่ต้องจ่ายใดๆให้ผู้เสียชีวิต แต่ถ้านึกถึงค่ามนุษยธรรม เค้าบอกว่าก็คนละ 50 : 50 ซึ่งตรงนี้ผมไม่เข้าใจว่า ถ้าผมถูกแล้ว ค่ามนุษยธรรม ทางผมควรเป็นคนตัดสินใจเอง ไม่ใช่ให้อีกฝ่ายเรียกร้องหรือมาจ่ายคละครึ่งกับบริษัทประกัน
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