【30歳男性日産・モコ】追突事故を起こしてしまい相手は外国人

自動車保険体験談6

契約条件
年齢 30歳
性別 男性
メーカー 日産
車種 モコ
保険会社 ソニー損保
年間保険料 61,000円
年齢条件 26歳以上補償
運転者条件 家族限定
免許証の色 ゴールド
使用目的 通勤・通学
ノンフリート等級 4等級
対人賠償 無制限
対物賠償 無制限
人身賠償 なし
搭乗者傷害 なし
車両保険 付けてない
特約 通信販売特約
使用目的・走行距離特約
継続特約
クレジットカード払特約
インターネット割引
継続割引
ゴールド免許割引
運転者家族限定割引

一瞬の油断から追突事故に発展

会社から家に帰る途中で、私の一瞬の油断から追突事故を起こしてしまいました。
ちょうど帰宅時間で道路は混雑気味。
交差点で停車が長引いていました。

その時点でかなり集中力を失っていたのに加え、仕事の関係で携帯に連絡がメールで来ており、そちらの方に気を取られていました。
その時、ようやく車が動き始めたのを確認し反射的にアクセルを踏みだしました。
その一方、それまで見ていた携帯をカバンに入れるため視線を一瞬切ってしまいました。

ところが、交差点の手前の民家から車の出入りがあり、動き出した車の列は急停止しました。
その急停止への反応が遅れてしまいしました。
しかも、渋滞のため車間距離はかなり詰まっていたためブレーキを踏んでも間に合わず、追突という事故を招いてしまいました。

事故の被害者とともに車を路肩に停め、警察に連絡後保険会社にも連絡を入れました。

落ち着いた対応でこちらも混乱しないで済む

免許を取ってから8年が経過していしましたが、事故を起こしたのは初めてで自分でも気が付かないうちに動揺していました。
実は、事故の相手は外国人だったのですが、最初はそのことにすら気が付かないほど取り乱していました。
慌てて車内に控えていた保険会社の電話へ連絡。

かなり取り乱した口調で状況を説明。
すると、「まずは、ご契約者様、お相手様ともに大きなケガなく良かったですね。」とオペレーターの方から一言。
この一言でかなり落ち着きましたね。

事故は起こしてしまいましたが、人命に関わるものではなかったという事実に気づき、心理的にだいぶ余裕が生まれました。
その後も、自分の車と相手の車の状況の写真を残しておくこと、相手の連絡先と契約している保険会社の連絡先を聞いておくことなど指示がシンプルで明確でした。
おかげで、相手との話し合いも比較的落ち着いて進められ、無用なトラブルを招くこともありませんでした。

外国人との交渉も問題なし

先ほど述べたように、事故の相手は外国人の方でした。
ある程度の日本語は理解できるようでしたが、事故の詳細のような難しい話題となるとコミュニケーションを取るのは難しいものでした。
事故当日は身体的な痛みはないとのことでしたが、後日首に痛みがでたから病院に行くと言ってきました。

そうした複雑なやり取りは、誤解が生じないようにすべて保険会社にお任せしました。
交渉の現場を直接見たわけではありませんが、ある程度上手く対応してくれたのではないかと思います。
担当者は、相手と話しがスムーズに出来ないので解決まで時間が掛かると言っていました。

確かに時間はかかりましたが、粘り強く対応してくれたようで円満に解決に至りました。
疑問点や質問は掲示板のようなところに書くシステムでしたが、そちらの方のレスポンスも早くて助かりました。
説明もわかりやすいものでしたし、最後まで安心して任せることができました。

問題がこじれず円滑トラブルが解決できたので、大きな心配事を抱えずに済んで助かりました。

対応力と態度に好感

今回の事故では、ソニー損保を選んでおいてよかったなと素直に思えました。
正直なところ、料金の安さやネットで申し込める手軽さで選んでいたので、事故への対応面にはあまり期待していなかったからです。
なので、丁寧で迅速な対応には本当に感心しました。

事故初日の状況説明以外は、ほとんどお任せという状況で大丈夫かなという感じでしたが、やはり餅は餅屋ですね。
むしろ、最初の状況説明だけをキチンとしておけば、こういったら失礼ですがほぼノータッチでよく気楽でした。
事故対応のオペレーターの方も、事故の担当者の方も腰が引くくて好感が持てました。

事故を起こした直後は気落ちしているので、丁寧に優しく対応してもらえることで心の傷が浅くて冷静でいられます。
細かいことかもしれませんんが、事故後の保険会社の態度は非常に大事なのだなと思いました。
ここでぶっきら棒だったり、高圧的な対応をされていたら、同じ補償内容でも不満を覚えていたと思います。

気になる点と言えば、掲示板上での連絡が多かったことですかね。
もちろん大事なところは電話連絡をくれましたが、その連絡を分ける基準がよくわかりませんでした。”

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