current position:Home>When the car is parked on the side of the road and hit, call the police first or call insurance first? If the order is wrong, you will lose

When the car is parked on the side of the road and hit, call the police first or call insurance first? If the order is wrong, you will lose

2021-08-25 00:51:04 Wechat automobile

as everyone knows , With the continuous development of social economy , People's living standards and quality of life have also been greatly improved , The embodiment of this , The most obvious is that every family has its own private car .

There is data showing , In recent years, the number of cars in China has reached more than 300 million , However , More and more cars are circulating in the market and society , But the area of car parking space in China is limited . In other words , The increasing influx of cars into Chinese families does not mean that most people have parking spaces .

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indeed , Owning a car will really bring us great convenience , But if you can't find a parking space , That's often another nerve racking problem ! In fact, many friends go out to work or do business , Often you can't find a parking space , Or it may take a long time to find a parking space , Now , If time does not allow, we will choose to pause in the nearby open place or on the roadside .

Roadside parking is illegal , Although you don't have to deduct points , But getting caught also requires a fine . Actually , Roadside parking is not only easy to be caught and fined , It's also easy to be scratched by other passing vehicles , After all , Not everyone has good driving skills , What's more, the road where some cars stop is really too narrow , Not a skilled old driver , It's really not possible to drive by such a small lane .

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therefore , Friends who own cars must insure their cars . Of course , Not just to guard against this situation , But in the event of a car accident , Be able to minimize your losses .

Now the city roads are full of vehicles , Under the congestion , Bumps are actually normal , Meet some car Xiaobai or novice drivers , They don't know anything , You'll never guess what they'll do next , So it's like a car parked on the side of the road , It is likely that the last second is still new , The next second they rubbed the paint and even deformed it .

So here's the problem , The car stopped on the side of the road and was hit , Call the police first or call the insurance first ? Don't get the order wrong here , It's easy to suffer big losses if you're not careful . First , The first time after the car was hit , We need to distinguish the situation , Whether the vehicle we parked is parked according to the traffic rules ?

After all , As mentioned earlier , Not all the roads can be parked . Like a non motorway , Friends who are not a little car blind also know that they can't stop temporarily .

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Then we need to judge whether our situation belongs to illegal parking , If it's illegal stop , Scratch the paint when you encounter a careless point , We can only admit bad luck . After all , At this time, we made a mistake first , Therefore, we also have part of the responsibility for the damage of the vehicle , If you insist on pursuing , Our fines for illegal parking are indispensable !

But if we don't break the stop , And the car is less damaged , We can consider calling the police first , Let the police help find the owner of the accident .

Also pay attention to , Although this time the alarm belongs to the legitimate protection of their rights and interests , But we still can't move the vehicle , The site must be maintained , Wait for the traffic police department to find relevant evidence for investigation . This is the time , We can also observe whether there are surveillance cameras or witnesses around , So as to provide more effective evidence for the police .

Besides , Still need to be in 48 Report to the insurance company within hours , After all, insurance companies also pay attention to timeliness in dealing with things , If you delay the time interval between accidents for too long , The insurance company can't handle it .

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therefore , Reporting to the insurance company must not exceed 48 Hours , Once it exceeds , Then the insurance company has the right to refuse compensation . Here we are , If it's luck , No camera surveillance 、 No Witness , The traffic police did not search for more evidence to trace the perpetrators .

Then if you can't find it , Insurance companies have 30% The deductible rate of , We can only recognize bad luck or get full compensation by excluding deductibles and special insurance that can't find a third party , Exempt from all losses . Actually , As long as we do not constitute a violation of traffic accidents , Then the most important thing left , It's the division of responsibilities .

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At this time, reporting to the traffic police must be the most effective , If you go to the insurance company first , Then the compensation will be calculated by default according to the situation that the perpetrator cannot be found , At this time, you can really get compensation , But because the car had an accident, it was handled by the insurance company , So the premium in the second year also increases .

What needs to be emphasized again is , After looking for the traffic police comrades , When the responsibility falls on the insurance company , This compensation must be in 48 Effective within hours , And in 48 The insurance company can't claim until the perpetrator is found within hours , Otherwise, there will be no compensation . therefore , First find the most responsible perpetrator , Is the most important .

Actually , Experienced old drivers scratch and rub when they encounter a little. If they can't be held accountable , Will choose to spend hundreds of money to do it , Otherwise , If you have to take insurance , Not only waste your time , I will also increase my premium because of this small compensation , Because of small losses !

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