How to deal with a traffic accident
Traffic accidents are emergencies that may be encountered in daily life. Correct handling can not only protect your own rights and interests, but also avoid subsequent disputes. The following are the key points of traffic accident handling that have been hotly discussed on the Internet in the past 10 days. We provide you with structured guidance based on laws, regulations and actual cases.
1. Traffic accident handling process
| steps | Specific operations | Things to note |
|---|---|---|
| 1. Stop immediately | Turn on hazard alarm flashers and set warning signs | On highways, triangle signs must be placed 150 meters behind the vehicle. |
| 2. Check for casualties | Give priority to the injured and call 120 for emergency treatment | Do not move the injured person arbitrarily to avoid secondary injuries. |
| 3. Alarm handling | Dial 122 traffic accident alarm number | Accurately describe location, casualties and vehicle information |
| 4. Protect the site | Take photos for evidence collection (panorama, details, license plate, etc.) | Take at least 5 photos from different angles |
| 5. Contact your insurance company | Complete the report within 48 hours | Keep all medical notes and repair receipts |
2. Responsibility identification standards (latest in 2023)
| Responsibility type | specific situation | Compensation ratio |
|---|---|---|
| full responsibility | Drunk driving, drug driving, intentional collision, etc. | 100% |
| Main responsibilities | Illegal lane changes, speeding, etc. | 70%-90% |
| equal responsibility | Both parties committed violations | 50% |
| secondary responsibilities | Failure to take necessary avoidance measures | 10%-30% |
3. Details of compensation items
| Compensation Category | calculation standard | Materials required |
|---|---|---|
| medical expenses | Actual expenditure (with bills) | Diagnosis certificate, medication list |
| Lost work fee | Average daily income × days lost from work | Proof of income, tax records |
| Nursing fee | Local nursing standards × nursing period | Hospital nursing certificate |
| Vehicle maintenance fees | 4S store loss assessment quotation | Maintenance list, invoice |
4. Dispute handling methods
1.Quick claims settlement: Applicable to accidents with losses of less than 5,000 yuan and no casualties. Both parties need to sign the "Traffic Accident Rapid Handling Agreement"
2.Traffic police mediation: Application can be made within 10 days from the issuance of the accident certificate, and the success rate is about 65%
3.court proceedings: It is necessary to prepare a complaint, a list of evidence and other materials, and the statute of limitations is 3 years.
5. Handling special situations
•hit and run: Call the police immediately and write down the license plate number. The compulsory traffic insurance can pay you in advance.
•The other party has no insurance: You can apply for advance payment from the Road Traffic Accident Social Assistance Fund
•Online ride-hailing accident: The platform needs to assume the responsibility of the carrier and keep itinerary records
Warm reminder:According to the latest data from the China Banking and Insurance Regulatory Commission, the success rate of traffic accident mediation in the second quarter of 2023 dropped by 12% compared with the same period last year. It is recommended that car owners install driving recorders (the installation rate has reached 78%) and regularly check the safety status of their vehicles.
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