But in fact, in case the vehicle owner has compulsory insurance for motorbikes and mopeds when there is a traffic accident (damage to health, life, damage to the vehicle), are not settled and compensated by insurance sellers as prescribed. In some cases, the insurance sales agency requires the accident victim to provide full documents (accident settlement minutes, photos of the scene, conclusions of the competent authority...) provided, the insurance seller does not handle it.

Therefore, voters of Dak Nong province proposed the Ministry of Finance to have specific regulations and instructions on the order, procedures and documents to make the regime of support and compensation for means, life and health of people who drive a motorcycle or moped with compulsory insurance in case of a traffic accident. At the same time, it is recommended that the units selling motorcycle and motorbike insurance must strictly implement the payment of the insurance regime in accordance with regulations.

Regarding this issue, the Ministry of Finance replied to voters in Dak Nong province as follows:

Decree No. 03/2021/ND-CP dated January 15, 2021 of the Government on compulsory insurance for civil liability of motor vehicle owners has specified the dossier and time limit for settlement of insurance claims. compulsory civil liability of motor vehicle owners, thereby increasing the initiative and self-responsibility of insurance enterprises in settling insurance claims; ensure the rights and create favorable conditions for participants of compulsory insurance for civil liability of motor vehicle owners.

Pursuant to Article 5 of Decree No. 03/2021/ND-CP, the scope of compensation includes:

"1. Non-contractual damage to health, life and property to a third party caused by motor vehicles.

2. Damage to the health and life of passengers caused by motor vehicles".

For insurance in case the owner of a motor vehicle or motorcycle has a traffic accident (with or without participating in the compulsory insurance for civil liability of the motor vehicle owner), in case the vehicle owner wants to Indemnification for health, life, vehicle damage when an accident occurs, you can consider participating in other insurance products for yourself such as body insurance, personal accident insurance, personal accident insurance, health insurance, and motor vehicle insurance.