Frequent traffic accidents What do I need to pay attention to when buying accident insurance and claims?

On December 7, according to the Guangzhou police, a traffic accident involving a collision between a small car and an ordinary two-wheeled motorcycle occurred recently on Lanling Road, Lannuo Town, Nansha District, Guangzhou City, causing injuries to the driver of the motorcycle, and then died after being rescued by the hospital. Traffic accidents have gradually become a major "killer" of people's unnatural deaths.

Repeated traffic accidents have brought a great warning effect to many people who often take transportation, and people can't help but pay more attention to insurance protection, but how to choose traffic accident insurance to provide protection?

In fact, since September, there have been a number of serious traffic accidents in China. For example, on the morning of November 25, a car accident occurred near the Jixian Industrial Park in Tangchi Town, Zhenxing District, Dandong City, Liaoning Province, where an SUV collided with a large truck full of beer, two people on the SUV were unfortunately killed on the spot, and the other one was injured and sent to the hospital for rescue and died.

On October 11, a major road transport accident occurred in Shijiazhuang City, Hebei Province, killing 14 people and injuring 7 others. On September 18, a major passenger ship rollover accident occurred in Liupanshui City, Guizhou Province, killing 12 people and missing 3 people.

"In order to prevent accidents from changing our lives, it is very important and necessary to purchase adequate insurance products." On December 8, Pearl River Life Insurance experts told the "Investment Express" reporter that even if they stay at home, they may encounter accidental safety accidents such as falling, poisoning, cutting, scalding, and fire, and consumers can properly configure accident insurance to resist risks that exist at any time.

"Accident insurance can play a role in compensating medical expenses is accident medical insurance, as the name suggests, accident medical insurance covers medical insurance liability caused by accidental injury, if it is just ordinary accident insurance, it covers death, disability or other accidents agreed in the insurance contract caused by accidental injury." It should be noted that some accident insurance will include an accident medical part, and some accident medical insurance parts are used as an additional insurance for accident insurance. The above-mentioned insurance industry expert said.

In addition, some observers believe that in addition to frequent field work and business trips, office workers are also necessary to buy an accident insurance that suits them, even if they commute to work in a nine-to-five life mode. It is a wise decision for office workers to choose a suitable accident insurance for themselves after carefully reading the terms of the vehicle accident insurance, so that they can be safe and secure every day. Some friends may say that office workers are medical insurance do not need to buy additional commercial insurance, but what you do not know is that medical insurance does not protect third-party liability, such a situation in the face of traffic accidents are justified, in the bus accident there are many such situations.

Furthermore, why should I carefully look at the terms of vehicle accident insurance when purchasing? The reason is that there are more types of public transportation accident insurance on the market now, and some public transportation accident insurance does not necessarily include accidental medical treatment, which requires careful reading of the terms when purchasing in order not to suffer losses after purchase and damage their own interests.

At present, for different accidents, various insurance companies have also launched different accident insurance products for protection, and there are more and more types of traffic accident insurance for the public to choose. For frequent travellers, it's a good idea to buy accident coverage that covers not only aviation accidents but also a variety of other means of transport.

Take the escort platinum version of the two full insurance launched by a life insurance company headquartered in Guangzhou as an example, which is a two-full insurance product that can protect the risk of accidents, and after the product has been comprehensively upgraded, new protections such as elevator accidents and online car-hailing have been added.

Take Mr. Su, 30, for example, who has a stable income and regularly pays social security contributions. Commuting to driving is the mainstay, occasionally taking online car, going out to travel will also take a variety of means of transport, considering their own travel safety, Mr. Su chose to buy an escort platinum version of the two full insurance for himself, the payment period is 10 years, the protection period is 30 years, the annual payment is 2,814.9 yuan, and the basic insurance amount is 300,000 yuan. Specific accidental death or total disability benefits include: 3 million yuan aviation accident protection / 1.8 million yuan private car accident protection / 900,000 yuan specific public transportation accident protection / 900,000 yuan online ride-hailing accident protection / 600,000 yuan elevator accident protection / 300,000 yuan general accident protection + accumulated premiums paid× payment ratio coefficient. Mr. Su will receive a maturity insurance premium of 118% of the premiums paid, i.e. RMB33,215.82, from the maturity of the maturity period.

In addition, life insurance experts remind consumers to purchase accident insurance according to their own work and their own needs. If there is an accident, pay attention to collecting medical documents, accident certificates and other materials in order to provide them to the insurance company for claims.

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There is a traffic accident, and these situations cannot be "private"

What is "private"? The matter was closed privately without judicial channels. In traffic accidents, "private" generally means that the traffic police do not need to issue a "Certificate of Accident Liability Determination" to solve the problem through private consultation or traffic police coordination.

For some minor traffic accidents (usually referring to accidents in which no personal injury or death has occurred), it is allowed to be private. Paragraph 2 of Article 70 of the Road Traffic Safety Law of the People's Republic of China stipulates: If a traffic accident occurs on the road and does not cause personal injury or death, and the parties have no dispute about the facts and causes, they may immediately evacuate the scene, resume traffic, and negotiate on their own to deal with the matter of compensation for damages; Where the scene is not evacuated immediately, it shall be promptly reported to the traffic police on duty or the traffic management department of the public security organ. Therefore, at the legal level, it is legal and effective to deal with accidents through self-consultation (privately).

According to Article 13 of the Provisions on The Procedures for Handling Road Traffic Accidents, the following situations cannot be private, and the scene should be protected and immediately reported to the police

1. The accident caused casualties. Accidents that cause casualties are more complex, and it is difficult for the owner of the car concerned to judge the specific liability situation. The first thing that needs to be done is to call the police and give first aid to the injured in a timely manner.

2. The two parties have a dispute over the cause of the accident and the attribution of responsibility. In the event of a property damage accident, the parties have a dispute over the facts or causes, and although there is no dispute about the facts or causes, there is no agreement on the negotiation of damages.

3. Accidents with vehicles with incomplete procedures. Motor vehicle license plates, vehicle inspection pass marks, vehicle insurance marks, and the lack of any one or more of these three kinds of vehicle accidents can not be private.

4. Accident with vehicles carrying dangerous goods. Refers to vehicles carrying explosives, inflammable and explosive chemicals, poisonous, radioactive, corrosive, infectious disease pathogens and other dangerous goods.

5. Accidents that damage public facilities. Accidents have caused damage to public facilities and buildings, and we cannot just focus on private matters and forget about business.

6. Driving without a license or the driver cannot show the driver's license. The driver's license is expired, invalid or driving on the road without a driver's license, which must not be private, and the traffic police need to determine whether to drive without a license or forget to bring a driver's license.

7. The driver involved in drunk driving or drug driving. The driver involved in the accident cannot drive privately if he has drunk alcohol, taken drugs (psychotropic substances or narcotic drugs controlled by the state) and used drugs.

8. The parties concerned cannot move the vehicle by themselves.

9. If one of the parties leaves the scene or there is evidence that the accident was intentionally caused by one party.