After a traffic accident, the other party asks for privacy, can I still ask for insurance later?

After a traffic accident, if the other party asks for privacy and you agree, it will be difficult to continue with the insurance after that. Because of a traffic accident, if you want to take insurance, you must meet one condition, that is, you must have an accident certificate issued by the traffic police. If the two of you are private, it proves that the traffic police did not deal with it, and at this time, there is no accident certificate issued by the traffic police, and the insurance company will naturally not give you insurance.

Some people may think, then go to the traffic police brigade to make up a certificate, but in fact, this is more difficult, first of all, the traffic police brigade will not necessarily give you this certificate. Because after a traffic accident, you did not choose to call the police at the first time, and the traffic police did not send the police, at this time, most of the traffic police companies will not give you this certificate. However, there are exceptions, for example, after a traffic accident, we call the police, and after the police choose the feed, then in this case, we can ask the traffic police company to make up a certificate, but the specific other party will give us a supplement, it is unknown.

Even if the traffic police can give us this certificate, but because we did not call the insurance company as soon as possible after the accident, the insurance company has a reason to refuse to take the insurance. Because according to the general process, after a traffic accident, in addition to calling the police as soon as possible and letting the traffic police go to the scene to deal with the accident, we also have to call the insurance company's claims adjuster and ask them to come to the scene for confirmation, so if this step is missing, the insurance company can indeed refuse our request. <>

Generally, if there is a traffic accident, if the loss caused to both parties is not very large, then we can choose to be private, but before the private must take all aspects into account, followed by after the private, it is best for both parties to sign an agreement, so as to prevent too many disputes in the future.

Specific analysis is required:

1. If you do not report to the police or the insurance company in advance, you will be directly self-employed after the accident, and the insurance company will refuse to pay because it cannot prove whether a car accident occurred.

2. If it is private after the police are called, or the insurance company confirms the accident, after obtaining the accident liability determination issued by the traffic police department, you can claim compensation from the insurance company, but the amount of compensation cannot be determined by the amount negotiated by the two parties, but should be determined by the insurance company according to the specific evidence.

In addition, in the event of a car accident, you should report to the police and the insurance company in time, and after the traffic police determine the responsibility and the insurance company determines the damage, the two parties will negotiate compensation, so as not to have no evidence when claiming compensation from the insurance company, causing unnecessary losses.

In accordance with the Insurance Law of the People's Republic of China.

Article 60 stipulates that if an insured accident is caused by a third party's damage to the subject matter of insurance, the insurer shall subrogate the insured's right to claim compensation from the third party within the scope of the compensation amount from the date on which the insurer compensates the insured.

If the insured has already obtained damages from a third party, the insurer may deduct the amount of compensation already obtained by the insured from the third party when the insurer compensates the insurance money. Therefore, the compensation obtained by Liu should be returned as unjust enrichment.

The function of insurance:

1. There must be risks in insurance. The purpose of establishing an insurance system is to deal with the occurrence of specific dangerous accidents, and there is no insurance if there is no risk.

2. Insurance must provide financial compensation for losses caused by dangerous accidents.

The so-called economic compensation means that this compensation is not to restore the destroyed original thing, nor to compensate in kind, but to make monetary compensation. Therefore, the loss caused by the accident must be economically valuable. in personal insurance.

The death and disability of a person will lead to the loss of labor, so that the income of an individual or his family will decrease and the expenses will increase, so life insurance is to use economic compensation or payment to make up for this increased economic burden, not to ensure that people recover the lost labor force or life.

3. Insurance must have a mutual aid relationship. The insurance system is a method of spreading losses among many units to reduce the losses of disaster-stricken units. Through insurance, the policyholder pays the insurance premium together, establishes the insurance compensation**, and obtains the protection together.

4. The contribution of the insurance must be reasonable.

In a legal sense, insurance is a kind of contractual act, that is, through the signing of an insurance contract, the rights and obligations of both parties are clarified, and the insured obtains compensation within the scope of the insurance contract by paying premiums, and the insurer has the right to receive premiums and the obligation to provide compensation.

Insurance is a contractual-legal relationship;

The insurance contract is binding on both parties;

Whether the accident or event agreed in the insurance contract occurred must be uncertain, i.e., accidental;

The occurrence of the accident is beyond the control of the other party to the insurance contract, i.e., the insured;

The insurer assumes the payment of monetary or other similar compensation after the occurrence of an insured event;

Insurance should be through an insurance policy.

form of business.

No. Because you have already chatted privately, and the other party has already compensated you, it would be too immoral to ask for insurance again.

After a traffic accident, the other party asks for a private one, and then the insurance company must be reported to the police and then private, then the insurance company needs to obtain the accident liability certificate issued by the traffic police department before it can claim compensation from the insurance company.

Yes, because you're only communicating privately, and there's no evidence, but it's so immoral.

If it is through private information, there is no way to reimburse it through the insurance company, and if such a thing happens, it will also have a certain impact on us.

We can still apply for insurance, which is considered private, and we can take insurance because we have signed an insurance contract, and this can protect our legitimate rights and interests.

It is very troublesome to report insurance after a traffic accident. Because insurance requires the seriousness of the traffic police and the ** on the spot. If you are private, you won't have that.

In the event of a traffic accident, you can find an insurance company for compensation. However, it is only private after the police are called, or the accident is confirmed by the insurance company.

Whether the insurance company can compensate after a car accident is as follows:

If you do not report to the police or the insurance company in advance, you will be privately involved after the accident, and the insurance company will refuse to pay because it cannot prove whether a traffic accident occurred.

If the accident is confirmed by the police, or the insurance company confirms the accident, then after obtaining the accident liability determination issued by the traffic police department, you can claim compensation from the insurance company, but the amount of compensation cannot be determined by the amount negotiated by the two parties, but should be determined by the insurance company according to specific evidence.

In addition, in the event of a traffic accident, you should report to the police and the insurance company in time, and after the traffic police determine the responsibility and the insurance company determines the damage, the two parties will negotiate compensation, so as not to claim compensation from the insurance company without a certificate, resulting in unnecessary losses.

Whether you can report insurance after a traffic accident depends on the following circumstances:

1. In the event of a traffic accident, you can find an insurance company for compensation. However, compensation will only be given if the accident is confirmed by the police, or if the accident is confirmed by the insurance company;

2. If you do not report to the police or to the insurance company in advance, it is directly self-owned after the accident, and the insurance company refuses to pay because it cannot prove whether a traffic accident occurred.

How to deal with traffic accidents.

1. The police should be called in time;

2. On-site investigation by the transportation department;

3. Determination of traffic accident responsibility of the traffic department;

4. The transportation department organizes compensation mediation;

5. If the mediation fails, the court shall make a judgment in accordance with law.

Legal basisArticle 23 of the Insurance Law of the People's Republic of China.

After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay the insurance money for stool dust. If the insurance contract stipulates the time limit for compensation or payment of insurance money, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the agreement.

If the insurer fails to perform the obligations provided for in the preceding paragraph in a timely manner, it shall compensate the insured or the beneficiary for the losses suffered thereby, in addition to paying the insurance money.

No unit or individual may illegally interfere with the insurer's performance of the obligation to compensate or pay insurance money, nor shall it restrict the right of the insured or Hongshan beneficiary to obtain insurance money.

Summary. Hello, no, after a traffic accident, the other party asks for a private chat, if a private agreement has been reached, and more than 48 hours later, you can no longer report to the insurance company, traffic accidents should be reported to the insurance company within 48 hours, if more than 48 hours, the insurance company can not investigate clearly, in this case, the insurance company is refusing to claim.

After a traffic accident, the other party asks for privacy, can I still ask for insurance later?

Hello, no, after the accident, the other party asked for a private chat, if a private agreement has been reached, and more than 48 hours later, you can no longer report to the insurance company, traffic accidents should be reported to the insurance company within 48 hours, if more than 48 hours, the insurance company can not investigate clearly, in this case, the insurance company is refusing to settle the claim.

In the event of a traffic accident, the reimbursement process of the car insurance company is as follows: 1. Report the accident: Once the accident occurs, the cardholder should immediately call the claim ** to report the accident and explain the specific accident situation to the claims specialist of the insurance company.

2. Accident investigation: After that, the insurance company sends surveyors to investigate the vehicle accident, mainly for the purpose of confirming the vehicle accident insurance liability, loss and expense for the record. 3. Confirm the loss repair plan

Then select the appropriate vehicle repair shop for repair, and develop a reasonable loss repair plan. 4. Submit claim information: The insured submits the insurance policy, car repair invoice, accident allergy assessment and other information to the insurance company.

5. Claim compensation: After the claim information is reviewed, the case will be closed. The insurance company will pay you the compensation and complete the claim.

Legal analysis: After a traffic accident is reported to the police, you can report the insurance privately, as follows: you can find the insurance company for compensation after the traffic accident is private.

However, compensation will only be given if the accident is confirmed by the police, or if the accident is confirmed by the insurance company; If you do not report to the police or to the insurance company in advance, it is a direct self-management after the accident, and the insurance company refuses to pay compensation because it cannot prove whether a traffic accident occurred.

Legal basis: Provisions on Procedures for Handling Road Traffic Accidents Article 60 The traffic management department of the public security organ shall determine the responsibility of the parties according to the role played by the party's behavior in the occurrence of the road traffic accident and the severity of the fault.

1) Where a road traffic accident is caused by the fault of one of the parties, full responsibility shall be borne by the party;

2) Where a road traffic accident occurs due to the fault of two or more parties, they shall bear primary responsibility, equal responsibility and secondary responsibility respectively according to the effect of their actions on the accident and the severity of the fault;

3) None of the parties is at fault for causing the road traffic accident, and if it is a traffic accident, none of the parties is liable.

If one party deliberately causes a road traffic accident, the other party is not liable.

Summary. OK.

If you have a traffic accident, you can find an insurance company to settle a claim. Generally, the compensation for traffic accidents will be compensated by the insurance company within the scope of compensation, and the insufficient part will be compensated by the insured. So even if it's private, you can find an insurance company to make a claim.

Legal basis: Article 1213 of the Civil Code of the People's Republic of China If the damage caused by a traffic accident of a motor vehicle is the responsibility of one party to the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.

Can I find an insurance company for compensation after a traffic accident?

OK. After the traffic accident is private, you can find the insurance car company to make a claim. Generally, the compensation for traffic accidents will be compensated by the insurance company within the scope of compensation, and the insufficient part will be compensated by the insured.

So even if it's private, you can find an insurance company to make a claim. Legal basis: Article 1213 of the Civil Code of the People's Republic of China provides that if a motor vehicle is damaged by a traffic accident and is the responsibility of one party to the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate for the damage within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.

If you don't report to the police in a traffic accident, can you still report the accident to the insurance company if you leave the scene?

OK. One party left.

If one party leaves, and if you can't get in touch, you can report to the insurance company yourself, and you can't find a third party.

At that time, a private chat agreement was signed.

How is the agreement agreed? On the division of liability and compensation.

I gave the other party 400 yuan.

Signed by both parties.

It's only 3 hours until now.

What does traffic responsibility look like? Just say that your liability compensates the other party 400, and it's over?