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Lea, 無事不登三寶殿

出车祸20年未付赔款,请问最长追诉期是多少年?

问:『主持人你们好,我替朋友问一下,他大约在20年前有一个车祸当时法院判他赔偿对方钱。他也没有赔。因为他没有钱赔。对方一到10年左右就给他一个通知。现在要赔他多少钱了。想问问专家。对方能追究多少年?

 

鄧洪律師答:

駕車難免會發生交通事故,因為加州政府要求所有駕車人士購買汽車責任保險。如果是對方的錯,你可以告對手駕駛人士的汽車保險,如果是你的錯,你的汽車保險公司不僅要賠償對方的錯,而且還要出錢請律師替你打官司。

如果你沒有購買汽車保險,或者事故過大而自己的汽車保險不足賠償,過失的駕駛人士及車主就要為事故承擔起賠償及打官司的責任。一旦法院作出裁決,索賠方或其律師可以強制性地向敗訴方的銀行沒收其存款,可以要求敗訴方的雇主每月扣除薪水的百分之二十五作為賠償,也可以在敗訴方的所有房地產方面放置抵押令,當敗訴方出售房產時要求先付清欠款。

加州法例規定民眾必須在事故發生的二年內提出訴訟,(如果索賠對象是政府機構,民眾必須在六個月內提出索賠申請),這是我們所稱的時效性。但是,一旦法院作出裁決,或者索賠對象沒有及時應訴而被法官裁定缺席裁決有效時,民事裁決有效期在加州是十年,并且每十年到期前債權人可以向法院申請續延,直至全部的欠款付清為止。

拖欠賠償不僅會影響民眾的信用而很難獲取到銀行貸款,而且還可能會影響到他們入籍申請。在申請公民時,申請人必須向移民局證實在申請前的五年間自己品行良好。司法部近期公布允許移民局考慮許多會影響到申請誠信度的因素,其中可以考慮申請人是否有不良的欠債記錄。

為了避免交通事故成為自己的惡夢,民眾應采取四項應策:

  1. 必須購買汽車保險,如果自己沒有合法身份,無證移民可以申請AB 60 駕照,獲取到AB 60 駕照,民眾可以購買汽車保險。
  2. 購買足夠的汽車保險。加州政府要求民眾購買的汽車保險最低保額為一萬五千元/三萬元(即事故發生時,最多每人賠一萬五千元,全部最多賠三萬元),這一最低保額在過去三十年都沒有增加,而隨著物價的上漲,此最低保額未必能替駕駛人士承擔所有的賠償,因而,最好購買十萬/三十萬的保單。
  3. 如果自己財產較多或者家中有年青少年駕車成員,除購買高額的汽車保險外,最好在自己的房屋屋主責任保險上外加雨傘保險,萬一涉及到大型的交通事故而汽車保險不足時,這項保險可以替車主及駕車人士承擔起賠償及打官司的責任。
  4. 在法院作出民事裁決後,債務人可以與債權人或其律師進行協商,可以用分期付款方式將債務還清,這樣可以重新出發,不會再為債務煩惱。

 

(鄧洪律師為聯邦法院及加州法院出庭律師,專業刑事辯護及重大傷亡事故理賠案件,現任洛杉磯郡消費委員會委員)

 

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