2. The personal injury specialist of the insurance must contact him and he must come to the hospital. You should contact him several times during this period. He needs to call the personal injury specialist to ask for any examinations, medicines, and materials, and points out that it is the rescue personnel now. Your personal injury specialist will decide what medical insurance and non-medical insurance are needed, otherwise he will be reimbursed. Tired of it. It's best to call 120, so you can save your own car and get an invoice for the ambulance fee.
3. After the injured person has completed the hospitalization procedures, he should go to the traffic police team to pick up the car with the disease diagnosis certificate issued by the hospital. Usually he will pay a deposit ranging from several thousand to tens of thousands. Usually he would transfer the money to a designated bank and check the condition of the injured person. After paying the money, he can go to the parking lot to pick up the car (the salvage fee invoice will be reimbursed). The money was used for the treatment of the injured. When reimbursing, the traffic police team will give you money or an invoice. Don't think that you can deal with traffic accidents without paying parking fees. I'm really excited to be with you. Check your vehicle license, vehicle lights, triangle fire extinguisher, etc. in accordance with the law. Stealing and robbing vehicles can also check you out for fun. Unless you don't drive locally, there are tricks out there for you.
4. After the injured person is hospitalized, he can go to the traffic police team to get the accident certificate and find insurance to repair the car according to the situation! You are generally responsible for attacking the weak, and you know why! If no one dies and no one is in a vegetative state and is paralyzed for life, it is better to take full responsibility yourself and make it easier to deal with it, because it is not necessary for N% to be the other party's responsibility. If there is no responsibility, you still have to bear 10% of the responsibility. If there are serious casualties, you must not admit responsibility randomly, otherwise it will be astronomical and criminal liability. Of course, in this case, the police will carefully determine responsibility, and you also have the right to administrative reconsideration. Don't take full responsibility if two cars collide! Unless you are out of your mind, the full responsibility is only for pedestrians, non-motorized vehicles and other weak people! Generally speaking, if you hit a weak person, you will basically be held fully responsible! You have insurance but he doesn’t. You are a motor vehicle and he is a non-motorcycle. To save trouble! For peace of mind! For harmony, it’s that simple! Of course you have to feel that taking full responsibility is not good! You can also deny full responsibility! Different people have different opinions!
5. Don’t be idle when an injured person is hospitalized. Go visit the injured. The injured person will not warm to you because of your visit, reducing your compensation. That is prescribed and impossible. If you don't get it, it will be counterproductive. I think you are timid and talkative. Of course, if you encounter friendship and are ready to make friends, that’s a different matter! After the injured are discharged from the hospital and have a rest, they usually go to the traffic police team to handle the matter together. The traffic police team's handling is actually mediation and harmony. You messed up the case and you will definitely not agree. You signed the mediation letter and basically agreed to pay a lot of money yourself. General care and time lost from work were long. If you go to the insurance company, it will not be recognized, because this is your own commitment, and the money is guaranteed. The three liability insurance clauses generally include one clause: Without the written consent of the insurer, the insurer has the right to review the amount of compensation promised or paid by the insured. If it does not fall within the scope of compensation of the insurance company or exceeds the amount payable by the insurance company, the insurance company shall Not responsible for the amount of compensation. .
6. Don’t think that the traffic police team’s mediation is effective, as insurance will not recognize it at all. It stands to reason that this money is paid by the insurance company. Why doesn't the insurance company go to the traffic police team to mediate together? Because if the insurance company goes to the traffic police team, it will face triple pressure from you, the injured person, and the traffic police team. You buy insurance to transfer the risk! But insurance is not stupid, it will still transfer the risk to you and will not go to the traffic police! And once you sign a mediation agreement and go to the insurance company for reimbursement, the insurance company will treat you like a game and take out all the above terms and inspection fees, and you will have to take care of that money again.
7. If you do not agree to mediation and ask the other party to sue, you will definitely not mediate.
If you encounter unreasonable trouble and get 110, the court will award you 100,000. The insurance company would not dare to pay 1 point. Tell the other party clearly that if you have a relationship and are able to move, you can go to the insurance company, and the insurance company can pay more. Of course, you can still get points if you lose too much.
8. For traffic accidents without serious casualties, the court generally does not hold hearings. This is also a civil mediation. However, this kind of mediation is more the management of the traffic police team. It is a mediation letter signed by the insurance company’s full-time lawyer and the victim and his or her agent or lawyer. Just sit and watch the hot spots. In fact, they are all old acquaintances, and they are all known to lawyers who have been engaged in traffic accidents for many years. It depends on the insurance company and the injured person and their agent to bargain in court like shopping for groceries, mainly regarding the length of nursing time and lost work pay. Generally, they require proof of lost work pay and tax payment certificate. For the injured I met before, it is estimated that the work unit did not deduct money, nor did they prove that the insurance company's lost work expenses, nursing expenses, transportation expenses, and nutrition expenses were all calculated based on the urban household registration. Of course, like any operation for serious fractures, there are Disability level, but it depends on the insurance company. In other words, the insurance company can pay more or less. After the negotiation is over, you sign and agree that all related car repair and treatment costs will be handled by the insurance company's lawyers. In the end, the insurance company transfers the money to the court account, and you can get back your car repair money or advance medical expenses, and the injured person can get back the corresponding compensation. Everyone has his own money and his own path.
9. Usually in court, insurance company lawyers will deceive you. What kind of insurance is wrong? It doesn’t include deductibles. You didn’t buy it. To determine how much compensation you want, you have to take out the insurance policy and check it yourself. You still need to understand the basics. Otherwise, you are just a stupid bird and it will be easy to trick you into paying out of your own pocket. If you really don’t want to buy it, this can be discussed. Don't listen to what the lawyer says. You have no right to decide. You have no right to decide if the insurance company wants him to come to court and watch the fun.
10. The insured amount does not include the deductible. You cannot be fooled. Even medical insurance and non-medical insurance will fool you into paying. Take out the hospitalization list and scan how much you want. This is not health insurance. You have to say what you did in Article 2 before and throw all the responsibility on the insurance company. The purpose of buying insurance is to transfer risks! In order to rescue the injured, medication and examinations are decided by doctors. You can't decide, and you don't dare to delay the treatment of the injured. This is a matter between the personal injury professional and your insurance company. The money is paid by your insurance company, and you have the obligation to supervise and standardize medication and inspections, and have nothing to do with the car owner. On what basis do insurance companies provide non-medical insurance? Neither the "Provisions on Procedures for Handling Traffic Accidents" nor the "Interpretations of the Supreme People's Court on Several Issues Concerning the Applicable Law in the Trial of Personal Injury Compensation Cases" do not distinguish between medical insurance and non-medical insurance. Litigation insurance will basically lose! Of course, there are other ways to avoid or reduce non-health insurance costs, think about it yourself!
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12, individuals will have a lot of trouble after settling in! It’s easy to give money and come back later to ask for money! It’s crazy to basically break a bone without going through the court. Now that prices are skyrocketing, it is normal for tens of thousands of people to undergo surgery for every fracture! It’s easy to get a disability rating, and it’s tens of thousands! If you have a brain injury, it’s not something you can’t fix without a six-figure surgery! You can't solve it!
13. I usually give a few hundred to people I meet. If you are really free, you can call insurance and play slowly! Compulsory traffic insurance is not responsible for paying 1,000 yuan in medical expenses! Personally I feel the price/performance ratio is low! If there is a driving recorder, it seems that it is obviously damaged and I will definitely call the police!
12. The Type A clause mentioned earlier covers judicial signature fees, attorney fees, and litigation fees. This is an old calendar and now you have to buy special insurance for legal expenses.
13. Excluding the deductible, it means 100% compensation. If you don't buy it, you have to bear part of it according to the corresponding responsibilities. If you think you must buy it. Car damage insurance repairs your own car, and third-party liability insurance repairs other people's cars and other people's cars (the premiums of 30 and 50 are not much different, the difference is 200,000 to 300,000, but the insured amount is 200,000 more. I feel that now 30,000 to 300,000 are needed for third-party liability insurance) Ten thousand is not enough. I have seen people who were injured in a motorcycle crash and suffered skull fractures and arachnoid hemorrhage, and the case was settled with disability compensation. Friends are useless. You must pay for the accident. If you are traveling with 4-5 people, the medical expenses covered by the compulsory insurance are only 1,000, and there is no need for liability insurance. Don’t borrow a car easily! A3 costs tens of thousands of yuan. It's hard to tell the price when you're hitting someone. Generally, you must bear joint liability!
No one was injured in the motor vehicle collision on 14. Generally, the vehicle was not impounded.
This is a rapid processing or damage assessment center. I applied for insurance and went to get the car repaired with the accident certificate. If you encounter an unreasonable person, the first is to deal with the traffic police, the second is to find the unit to find him or the leader, and the third is to file a lawsuit directly with the court!
Extended reading: How to buy insurance, which one is better, and teach you how to avoid these "pitfalls" of insurance.