Title: What should I do if my car is hit and I am entirely at fault? ——Full process guide for accident handling
Recently, the handling of traffic accidents has become a hot topic on the Internet, especially when it comes to liability determination and claims settlement processes. Car owners are often confused. This article combines the hot discussions on the Internet in the past 10 days to sort out the response steps when a vehicle is hit and the vehicle is fully responsible, and provides structured data reference.
1. Accident scene handling process
| steps | key action | Things to note |
|---|---|---|
| 1. Stop safely | Turn on double flashes and place warning triangles | Ordinary roads are 50 meters away from cars, highways are 150 meters away from cars. |
| 2. Call the police and collect evidence | Dial 122 to call the police and take photos of the scene | Need to include panoramic view, license plate, collision location, road markings |
| 3. Responsibility identification | Cooperate with the traffic police to issue an accident certificate | The fully responsible party needs to sign for confirmation. If you have any objections, you can appeal within 3 days. |
2. Key data for insurance claims
| insurance type | Compensation scope | Disclaimer (common) |
|---|---|---|
| Compulsory traffic insurance | The other party’s vehicle suffered 2,000 yuan in property damage | Driving without a license, drunk driving, intentional collision |
| Commercial third party insurance | Excess portion (according to insured amount) | Escape, vehicle without annual inspection |
| car damage insurance | Own vehicle maintenance costs | The glass alone was broken and the wheel alone was damaged. |
3. Precautions for subsequent processing
1.Maintenance negotiation: The fully responsible party needs to advance the maintenance fee and then reimburse it to the insurance company with the invoice. Data in 2023 shows that 70% of disputes stem from maintenance price disputes.
2.Compensation calculation: If someone is injured, it must include medical expenses, lost work expenses (based on average daily income × number of days lost from work), and nutritional expenses (30-50 yuan/day).
3.legal risks: Refusal to compensate may face court enforcement. Recent cases show that the probability of the vehicle being seized due to the full liability party’s refusal to compensate is as high as 23%.
4. Selected Hot Questions and Answers
| High frequency problem | Authoritative answer |
|---|---|
| "The other party's asking price is much higher than the actual loss" | Can request a repair list or request a third-party assessment |
| "What should I do if the insurance company refuses to compensate?" | Complain to the China Banking and Insurance Regulatory Commission (12378), success rate 89% |
| "How to pay compensation without commercial insurance" | Compulsory traffic insurance needs to be borne by the individual, and payment in installments can be negotiated |
5. Prevention Suggestions
According to the latest data from the transportation department, 85% of full-fault accidents are caused by distracted driving. Recommendations: ① Install a driving recorder (increases accident liability identification efficiency by 40%); ② Increase third party insurance coverage to more than 2 million (covering 98% of compensation cases); ③ Check the brake system regularly (reduces the probability of rear-end collision by 35%).
Summary: You need to stay calm when facing an accident that is entirely your fault, and handling it according to the process can minimize losses. It is recommended to save the contents of the table in this article and use it as an emergency reference when necessary.
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