In today's society, insurance plays a very important role, from the state to the individual, almost all of them are dealing with insurance. Among them, property insurance is the most common type of insurance, and our car insurance belongs to this one.
I believe every private car owner understands how important car insurance is. Auto insurance can effectively share the economic pressure of the car owner and provide corresponding legal protection to the car owner in the event of an accident.
However, when it comes to a car accident, most car owners are still at a loss and don't know whether to call the insurance company or the police first.
Today, we will analyze several situations of car accidents, each type of car accident, and different ways to deal with them.
1. Unilateral car accidents
A unilateral car accident, as the name suggests, is a car accident that does not involve the other party and a third party, and usually refers to the driver accidentally hitting an object such as a flower bed or guardrail on the side of the road while driving.
This kind of car accident is often clearly responsible, and the driver who caused the accident bears full responsibility, usually does not need to call the police to deal with it, but needs to call the insurance company. Unilateral car accidents are the most common type of car accidents handled by insurance companies, and they usually happen to novice drivers who have just obtained their license.
On the one hand, you can pay compensation to the owner of the damaged object by going to the insurance company, and on the other hand, you need to pay compensation to the owner of the damaged object. If the accident is very small, the object that was hit is not obviously damaged, and your car is not worth much, it only costs two or three hundred yuan to repair it.
In this case, it is not recommended to apply for insurance, because the amount of the claim may not be able to catch up with the amount of the premium increase in the second year, and it is very unworthwhile.
2. No casualties are involved
A two-party accident that does not involve casualties, or a multi-party accident, refers to a situation in which only the vehicle itself is injured and no one is injured or killed. It usually occurs during rush hour, two-vehicle collisions, holiday traffic jams, and rear-end collisions between two or more vehicles.
In this case, it is necessary to first consider the severity of the damage to the vehicle, if the total loss amount of both parties does not exceed 500 yuan, then it is not cost-effective to find an insurance claim.
You can choose to settle it privately, or call the traffic police department to deal with it, and finally consider whether you need the insurance company to bear the amount of the claim.
If the damage to the vehicle is more serious, and the amount involved is more than 500 yuan, you can first deal with the fault avoidance sign on the spot without moving the car.
Call the police as soon as possible, then call the insurance company, and then wait for the traffic police and the insurance company to deal with it at the scene.
If the responsibility for the accident is clear, it is easiest for both parties to negotiate and deal with it privately. If the negotiation is successfully completed, it must be dealt with on the spot and not delayed, so as to prevent someone from changing the hexagram in the future.
If the responsibility is not clear, in order to avoid quarrels, it is necessary to call the police as soon as possible to deal with it, and let the traffic police comrades divide the responsibility. Before the arrival of the traffic police, you can take pictures of the overall situation of the car accident, and be sure to take multiple angles and directions when taking pictures, and the specific details of the damage to the vehicle should also be taken clearly.
3. Major accidents involving casualties
Accidents involving casualties are generally major accidents or major accidents, life is precious, once a car accident with personal injury, the amount of compensation will not be low.
Once a car accident involves personal injury, as a driver, you must stay calm and call 120 for help as soon as possible. After that, set up roadblocks as soon as possible to allow vehicles behind to detour to minimize the situation of causing large traffic jams.
At the same time, it is necessary to quickly call the traffic police department to call the police, and then call the insurance company to explain the accident situation to them, so that the insurance company can send an accident commissioner to the scene as soon as possible.
Immediately after that, you only need to cooperate with the work of the traffic police department and the insurance company, and provide information and so on. During the whole process of handling the accident, try to avoid contact with the injured person, so as not to be able to obtain your personal information, threaten or blackmail you.
Of course, in the process of handling accidents, the probability of encountering blackmail is also very high. In order to avoid this situation, we must hand over the accident handling process to the insurance company after the traffic police have issued an accident appraisal and divided the responsibilities.
It is up to them to come forward to communicate and settle claims with the injured person or family members in the accident, and no matter what the other party asks for in the process, they must remember the principle that the individual does not pay in advance.
Summary:
Insurance companies have much more experience in dealing with vehicle accidents than ordinary people, and they have a team of professional accident handlers and lawyers, who know far more than we need to know how to avoid risks.
And we spend money every year to buy insurance for the vehicle, just to be able to provide enough protection for ourselves and the vehicle, so don't be afraid to trouble the insurance company at all. We have already paid for these services provided by the insurance company.
Of course, in the process of purchasing insurance, we must remember to choose a regular insurance company in order to be able to obtain these services. We can't choose some co-ordination, internal insurance, etc., otherwise our rights and interests will not be protected.
The above types of car accident handling methods must be kept in mind, otherwise it is easy to suffer.