What do you know about the “private” traffic accident

On the occasion of the Mid-Autumn Festival, many friends will happily go home and reunite. Those who are close to home will definitely like to go home on their own. They must have more things to bring with them by car, and it will be more convenient to go to family and friends. Two weeks later, the country’s 70th anniversary will be celebrated, and more people will travel by car during the seven-day holiday. The distance is near and far, and the speed of the vehicle is swift and slow, and it is inevitable that some accidents will happen. If it is an accident on both sides, how should it be resolved, private or public? Is there a limit? Let’s talk to you today:

Officially admitted to being private

If a minor accident occurred on the road, only minor damage to the body, no casualties, and a clearer determination of responsibility, this situation can be carried out privately, and it is also officially recognized.

So what are the circumstances recognized by the state as private situations?

On the occasion of the Mid-Autumn Festival, many friends will happily go home and reunite. Those who are close to home will definitely like to go home on their own. They must have more things to bring with them by car, and it will be more convenient to go to family and friends. Two weeks later, the country’s 70th anniversary will be celebrated, and more people will travel by car during the seven-day holiday. The distance is near and far, and the speed of the vehicle is swift and slow, and it is inevitable that some accidents will happen. If it is an accident on both sides, how should it be resolved, private or public? Is there a limit? Let’s talk to you today:

Officially admitted to being private

If a minor accident occurred on the road, only minor damage to the body, no casualties, and a clearer determination of responsibility, this situation can be carried out privately, and it is also officially recognized.

So what are the circumstances recognized by the state as private situations?

The above 29 items are all situations that require full responsibility, which means that the occurrence of the above situations can be "private".

What is the difference between private and public?

"Private" is a negotiated decision between the parties, or it may be the traffic control agency intervening to mediate, the two parties reached an agreement and passed a private settlement, and there is room for mutual negotiation of compensation. For "public", the traffic control department will determine the responsibility, divide the responsibility, and impose penalties on the party who violates the regulations. The responsible party pays compensation through insurance. If the amount of insurance is exceeded or the insurance is not insured, the responsible party shall bear it.

Which situations are more suitable for private

Traffic accidents on the road are all sorts of strange, and the price of the vehicle is very different. So under what circumstances is it more appropriate to be private?

For general traffic accidents, it can be analyzed from the following four aspects:

1. Simple injury

The so-called simple injury refers to the injury of the vehicle. The paint surface has only simple scratches, or even the scratches are not very clear. In this case, it can actually be solved privately, and it is faster, and the time cost and repair cost are very low.

2. Good relationship between the two parties in the accident

There is a situation where a small accident occurs during driving when you go out to play together. The cost of the accident is relatively small, and the two parties of the accident have a close relationship and can resolve it by themselves.

3. Low cost

As the name suggests, it is still a relatively minor accident. The responsible party found through its own calculations that the compensation for the other party’s expenses was private, which can save time and money compared to public insurance.

4. The number of insurance risks has been increased

If the responsible party has more than two insurances, the insurance premium for the second insurance will rise. In this case, if the cost of the private insurance is more than the rising cost of the insurance for the second year, then the private is a better plan.

Under what circumstances can't be private

First of all, we must understand several situations that cannot be private, so as to avoid future troubles: it can be simply understood as that illegal and injured people cannot be private.

It's more reliable if it's private

If the two parties fail to reach an agreement on private matters, they need to report to the police as soon as possible, and the traffic control department will impose penalties on the accident. At the same time, the responsible party will report to the insurance company to conduct on-site inspections (submit accident photos) and the traffic control department’s "Accident Confirmation Letter" for related damage settlement. .

Public is not necessarily troublesome

In many minor accidents, it can be done privately, saving time and trouble. But in fact, it is not a very complicated matter. Half of the traffic accidents with no casualties can be resolved through a fast claims process.

In minor accidents where no one is injured, quick settlement of claims is also one of the better solutions. The quick settlement of claims only requires a few simple steps to settle claims for minor accidents.

Several conditions for quick settlement of claims: minor traffic accidents where the vehicle can move without causing casualties and both parties to the accident have not committed any illegal activities (including unlicensed driving, drunk driving, drug driving, etc.), the accident loss is less than 20,000 yuan (all across the country) There may be certain differences in regions).

Fast claims process

1. After the accident, the vehicle will start double flashing and set up warning signs under safe conditions;

2. Both parties check documents: driver's license, driving license, ID card, compulsory insurance policy, and mutual contact information;

3. Take a photo to leave: the front, rear, side, 45° azimuth and close-up of the collision position of the accident vehicle and other multi-angle on-site photos;

4. Car transfer report: move the car to a position that does not affect the normal traffic order, and report to the insurance company by the responsible party or the fully responsible party;

5. Choose the nearest loss assessment center of the insurance company of the responsible party, fill in the "Agreement on the Fast Handling of Motor Vehicle Traffic Accidents", and conduct damage assessment and compensation.

Note: If there is a disagreement on the responsibility of the accident between the two parties, choose to report to the traffic police and wait for the traffic police to determine the responsibility. If any party to the accident is a Waifu vehicle, the traffic police will need to issue an accident certificate to be able to quickly settle the claims.

Remember personal injury

In many cases of personal injury accidents, the injured may not know their own injuries very well, and they will often misjudgment: there is slight pain or some discomfort in a certain part, and they think it is just a fall. , But it may cause serious injury or even death the next day after a delayed treatment overnight. If this happens, the consequences may not be something that can be solved simply by paying a few hundred dollars. The degree of trouble is self-evident.

What kind of process does a human injury accident go through

1. On-site survey: the traffic police department and insurance company conduct on-site surveys on the accident scene, personal injuries, vehicle damage, etc.;

2. Responsibility determination: The traffic control department investigates the accident, listens to the testimony of the parties, and determines the responsibility for the accident based on the scene situation and related materials (if there is any objection to the responsibility of the traffic control department, you can apply for re-determination).

3. Punish the responsible party: after the responsibility is determined, inform and punish the parties; the insurance company initiates the compensation procedure, appraises the vehicle loss, and collects the injured medical documents.

4. Compensation mediation: After the injured person's treatment is over or the damage is determined, both parties will conduct compensation mediation. After the mediation is successful, they will sign the "Conciliation Letter". If the mediation is not successful, they can file a civil lawsuit in the court within the statutory statute of limitations;

5. Settlement of claims: The insurance company determines losses, collects medical documents, and settles claims in accordance with the insurance provisions.

Written at the end:

I believe that all people who drive on the road do not want to have a traffic accident of any degree, but do not get angry or excited when you really encounter it. Try to treat the matter with a normal heart. Solving the problem is the key. Then, you must pay attention to your own safety to avoid secondary accidents. People outside the car, especially on high speeds, are often fatal. Third, don't take full responsibility for accidents of personal injury, in case something else happens, you will regret it. Finally, I wish you all a happy holiday and safe driving.