Lawyer of Anbang Insurance Traffic Police Team, who is fully responsible for the water and electricity accident hitting the garbage bin.

your responsibility is to "practice stalls" on the road, and stop at 5 mph. If there is no obvious warning sign on the road, the placing unit is responsible. If there is a sign, you are fully responsible. Visiting car owners are just going through the motions.

1. The owner's statement is a necessary procedure;

2. It is illegal for garbage bins to be placed on the road without warning signs, so it should be theorized;

3. The responsibility of the traffic police is the most important. As long as the responsibility is determined, the insurance company will settle the claim. The insurance company will settle the claim first, and then settle the claim for you according to the responsibility of the garbage bin identified by the traffic police. The insurance company seems to want you to handle it yourself. But don't be afraid, it doesn't hurt to go to the insurance company to strike a table with the traffic police's responsibility certificate.

Further reading: How to buy insurance, which one is good, and teach you how to avoid these "pits" of insurance.