【32歳男性ダイハツ・コペン】居眠り運転で前方のトラックに追突！修理代は70万円オーバーに

自動車保険体験談8

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契約条件
年齢 32歳
性別 男性
メーカー ダイハツ
車種 コペン
保険会社 損保ジャパン日本興亜
年間保険料 45,000円
年齢条件 30歳以上補償
運転者条件 夫婦限定
免許証の色 ブルー
使用目的 通勤・通学
ノンフリート等級 10等級
対人賠償 無制限
対物賠償 無制限
人身賠償 3000万
搭乗者傷害 3000万
車両保険 エコノミー車両保険
特約 弁護士費用等補償特約

居眠りで追突

仕事で徹夜明けから、家に帰ろうと大きな国道を走っていました。かなり渋滞する道・時間帯だったためノロノロ進むことが多く、睡魔にかなり襲われていました。寝てしまわないよう、ガムをかんだり、腕をつねったりとしていましたが、少しスピードが出てきたところでウトウトしてしまったようで、「ドーン」と大きな音でびっくりしました。

前にいたのはトラックでしたが、正直なところ、私が事故を起こしたのかわからず、状況が呑み込めていませんでした。ただ、私の車のボンネットが明らかに曲がっている。これを見て、やっぱり自分が追突してしまったのだと自覚しました。

渋滞していることや、大きな国道でしたが近くに車を止めるところがなく、とりあえず前のトラックについていきましたが、一向に何も言ってくる気配がありません（コンビニなども通りすぎてしまいました）。

事故に気付いていないかもしれないと思いましたが、伝える手段もありませんでしたし、自分の車の調子が悪くスピードが出ないため、後ろをついていくのを断念することを決意しました。

後ほど、電話などで相手の会社に連絡しようと思い、会社名やナンバープレートなどを控えて、近くのコンビニに車を止めました。

まず第一にやるべきこと、保険会社に電話

車を止めてから、まずは保険会社に電話しました。カスタマーセンターの方は、とても対応がよく、事故の状況や、自走可能か（帰宅の手段があるか）、相手の方の情報など、大事なところから、警察への事故報告などの忘れてはいけない部分のことも教えてくれました。

話をしっかり聞いてもらえたことでいったん落ち着くことができ、冷静になる事ができました。ただ、いくつか問題がありました。

1つ目は、相手が気づいていないためか走り去ってしまったこと。

２つ目は、自分の任意保険がエコノミー車両保険という契約だったため、相手のトラックが見つからないと保険が使えず、私の車の修理費が自費になってしまうこと。

そのため、相手の会社に電話をしたうえで、相手のトラックのぶつかった個所の写真などが必要とのことでした。かなり気まずい電話になるなと、少し途方に暮れてしまいました。

相手のトラックの会社に電話しました

結論から言うと、電話を取っていただいた方が気さくな方で、写真の件も快諾していただきました。運転手の方は、追突事故には気づかなかったようです。また、トラックに傷も見当たらないようで、相手方のトラックに関しては、修理などはしなくていいとのことでした。

その旨、保険会社の担当の方に伝え、相手方の今後の対応をお願いしました。こちらの落ち度でご迷惑をお掛けしたにもかかわらず、とてもやさしい対応をしていただき、本当にうれしく感じました。

そのあとは、警察に行って事故報告をしてから、車屋さんにいって修理見積りをお願いしました。ちなみに、事故の後スピードが出なかったのは、私の車はターボ車なのですが、ターボのホースが事故の衝撃で外れてしまったようでパワーが出なかったからのようです。

ターボ車でターボがきかないと、まったく進まなくなります。ある意味、いい経験をしました。

最後に

やっぱり、事故を起こしてはいけないと再認識しました。多くの方にご迷惑が掛かってしまったこと、また、今回は物損事故で済みましたが、ほかの方に重大な危害を加えてしまう可能性があること、車の運転をするうえで、しっかり自覚しなければ、ならないと感じました。

これは、余談ですが、私の車の修理代は70万円オーバーでした。フロント回り、ターボの傷、などではじめの見積もりより大幅に上がっていました。相手のトラックはほぼ無傷だったはずなのに。

そして、任意保険の等級に関してですが、もちろん翌年に3等級下がりました。また、ちょうど事故を起こしたちょっと前に事故歴が（事故あり係数が）加算されるようになり、同じ等級の人より保険料が割高になりました。この事故歴は1年間反映されるようです。

事故は百害あって一利なしだなとつくづく痛感しました。これからは、無事故・無違反を目指していきます。

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