【Owner's home car knowledge】Recently, vicious car accidents have emerged one after another, and many accidents are caused by car owners who are not very skilled in driving. What should I do if I am really careless while driving and hit a car or someone? Many people may be very panicked and at a loss at the first time. If they can react correctly at the first time, the accident may be reduced. resulting losses and responsibilities. If you do not evade and react in time, the accident may escalate and cause even greater trouble!
First Response After a Crash: Call!
Many people know that once a traffic accident occurs, they should call 110 or 120, or call their relatives and friends to give advice on how to solve it. So, what should be the first phone call after an accident?
1. If there is an accident where people are injured, call 120 immediately to call an ambulance, and then call 112 to report to the traffic police.
Be sure to ask the traffic police department to issue a letter of responsibility for the accident. According to the on-site accident certificate, there must be more than five on-site photos. If there is no on-site accident certificate, the insurance company may refuse to accept the claim.
2. For uninjured accidents with clear responsibilities, the car can be moved to the side of the road first so as not to affect the traffic, and it should be handled according to the rapid processing procedure.
Before moving, take a picture of the first scene with a mobile phone or a camera, pay attention to take pictures of the license plates of the two vehicles, and take pictures of the whole vehicle and the road conditions together.
3. If someone is injured, be sure to keep the first scene. If the injury is serious, you must first assist in rescuing the wounded and call 120 for emergency services.
If the other party is slightly injured, both parties to the accident may need to go to the hospital for examination and treatment.
4. Generally, it is very simple to go to the scene with 110. If you need 120, they will do their job well. After you report the case to the insurance company, you may not necessarily come to the scene.
Unless there is a serious accident, because you can go to the traffic police team to take photos on the spot, the insurance company's loss adjuster can usually issue a loss adjustment order on the spot for small things, and the bigger ones usually have to be dismantled at the auto repair factory to determine the damage.
In general cases, a damage statement can be issued after dismantling and inspection. For major cases, repairs are carried out step by step, and photos are taken step by step. When the repair is about to be completed, the repaired car has to be tested on the road. Issue the final fixed loss order later, so as to ensure that the repair price does not exceed the fixed loss price. Otherwise, if the fixed loss order is issued early, it will be difficult to correct any problems.
5. When the traffic police team handles an accident, pay attention to the negotiation of responsibility sharing and compensation.
First of all, you need to understand that the part of the compulsory traffic insurance is that as long as you have the responsibility, you must pay the full amount. The consequences of the secondary liability and the full liability are the same.
lost wages, only compensate for the reduced income due to sick leave, not as much as the other party wants to say. If the other party exceeds 1600, it is necessary to provide a tax payment certificate. If the other party cannot provide a tax payment certificate, then the compensation can only be compensated according to the industry's lowest standard. In the actual handling of accidents, if you negotiate according to the compensation standard of the insurance company, you will definitely not be able to reach an agreement. In order to settle the accident earlier, you must pay a part of the compensation. Insufficient.
Another thing to note is that when negotiating with the traffic police team, if the injured person is under the age of 18 and over the age of 60 (female 50), there is no compensation for lost work, and you do not need to pay compensation. Those who continue to stay in the job and have a fixed income need to issue a certificate from the unit where they work, otherwise they will not be recognized.
nutrition feethere is no need for compensation if the disability is not graded 1-10.
transportation expensesif compensation is required, it shall be compensated according to the bus standard.
mental damageYou must go through judicial channels before you can accept the compensation, otherwise you can directly refuse the compensation.
What is private?
Usually, in an accident involving both parties, the responsible party is not insured, or the loss of the collision accident is relatively small, and both parties do not want to go to the insurance company to settle the claim, the compensation will be settled through private negotiation between the two parties.
If the loss is less than a few hundred yuan, many people think that it is best to settle it in cash, which saves the trouble of going to the insurance company and will not affect the discount for the compulsory traffic insurance in the next year. Example: If there is no responsible accident in the current year, the amount of compulsory traffic insurance for the next year will remain unchanged. However, if a responsible accident occurs and the compulsory traffic insurance is used for compensation, even if the amount of compensation is small, the insurance cost of the next year will increase.
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