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Unilateral driving accident forgot to take a picture, you can look for it in the dash cam, maybe there is some evidence. Insurance must be reported, as for whether to settle the claim depends on the attitude of the insurance company, under normal circumstances, if the unilateral accident car damage is not serious, as long as there is a car damage.
Because there is no compensation other than car damage, the insurance company generally recognizes it. Next time, pay attention to take pictures and report the first time you are in danger.
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1. According to the regulations of the insurance company and in accordance with the provisions of the car insurance contract, the insured shall not move the vehicle and destroy the scene without the insurance company verifying the loss after the occurrence of the insured accident. Otherwise, the insurance company has the right to re-evaluate until the compensation is refused. After the vehicle is out of insurance, the insured should immediately report to the insurance company, and the insurance company's investigators will go to the nearest accident site to investigate and assess the damage, if it is a small case of less than 2,000 yuan, many companies will pay on the spot.
2. After leaving the scene, if there is an accident certificate from the traffic police department.
or proof of loss, you can also ask the insurance company for compensation. Most insurance companies will waive 30% of the compensation for cases that do not have an accident scene, i.e. only 70% of the compensation will be paid.
3. If there is no accident scene, in addition to some car owners who do not know that the program has been missed, it cannot avoid the greed of individual car owners, that is, the accident is private first, and the other party's money is collected, and then the insurance company is asked to settle the claim, hoping to get double compensation. In this case, the insurance company will definitely refuse to pay. If a unilateral accident is reported to the police and the responsibility is determined, the specific compensation standard needs to be combined with different circumstances.
Under normal circumstances, unilateral accidents, the loss is small, and there is no need to open the accident identification letter of the traffic police, but because the scene did not report the case, the insurance company asked you to open the identification letter (note: no matter what happens to the vehicle in the future, you must report it in time, but it is best not to have an accident), if there is no traffic police identification, the maximum compensation is only 70%.
1) Transportation expenses: Tickets are required. The first taxi fare on the day of the accident, or the cost of the ambulance, can be reported, and the rest can only be reported if it is the bus fare.
2) Nutrition fee: Disability assessment is required.
According to doctor's advice. Nutritional costs can be appropriately compensated.
3) Lost work expenses, requiring sick leave from doctors.
Slip, the company's lost time certificate, the company's pay stub, tax slip (if retired, receive retirement pay, no lost time pay).
4) The cost of nursing care and meals needs to be certified by the hospital, and the insurance company will deduct the unreasonable places, basically according to the standard of living in each area.
5) Second medical expenses: A certificate from the hospital is required, which has been appraised by a judicial appraisal agency.
6) Medical expenses: The hospital's invoices deduct unreasonable drug expenses that are not covered by medical insurance, (imported drug expenses are basically excluded).
7) Disability expenses: Disability appraisal is required, which shall be determined by the judicial appraisal institution.
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Hello, you can apply for insurance in this situation.
As long as it is a bicycle accident, there is no property damage to the three parties, and there is no injury to anyone, and it can still be insured after leaving the scene.
If the damage to the vehicle is not serious, according to the regulations of the insurance company, you only need to go to the scene of the accident to take a few new photos**, as long as the accident scene and the damage to the body are basically consistent, you can report insurance.
If the damage to the vehicle is more serious, the insurance company will generally send a professional appraiser to the scene to collect the traces on the body for identification, as long as it meets the actual situation, it will also report for insurance.
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Hello. In this case, you can't take out insurance anymore because the accident scene is no longer available. Therefore, if this kind of thing happens again in the future, call the insurance company as soon as possible and let the insurance company come and take pictures.
If it can help you, please help click, thank you!!
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Yes, the insurance company can negotiate the survey.
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Yes, provided that if the other party pays you compensation, you cannot promise the other party that the insurance company will not recover from him, and you can only claim compensation from the insurance company within the scope of the loss suffered.
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No, the insurance company has very high requirements for the time, place, and details of the accident, and the loss assessor will check the situation at the time, and the traffic police will also have to get the accident responsibility letter in order to successfully determine the insurance.
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Unilaterally drove in an accident and forgot to take a picture and left, can I still drive back to report insurance? I think that in this case, it is not allowed to report insurance, because you should take pictures at the scene or notify the insurance company if you have an accident, so you can't report insurance if you don't have this situation.
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If you do not take pictures in time when a traffic accident occurs, but if there is a traffic accident, if there is a responsibility of the traffic police department, you can also report insurance. If there is no determination of the responsibility of the traffic police department, it is impossible to determine the responsible party for the traffic accident, and even if the insurance is reported, it will not be possible to make a claim.
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Drive back, take a picture at the place where the accident occurred, and then report insurance, and then leave after their person confirms, and you can't leave directly after taking pictures. Follow-up attention, if you have an accident and need to report insurance, you can take a photo to report the insurance first, and after obtaining their consent, drive to the side of the road and wait for the insurance company to notify you before taking the next step.
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Unilateral accidents must be reported to the insured insurance company for on-site investigation, and then the insurance company will make a claim according to the situation at the scene and the loss insurance company. After leaving the scene, the insurance company is unable to determine the accident that is covered by the claim. Therefore, both the accident and the unilateral accident must be reported to the police and the reimbursement company will investigate on the spot.
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Unilaterally drove into an accident and left without taking pictures for evidence, and the insurance process is not standardized, you can't report insurance.
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Of course it's impossible, there's no way to restore the situation at the scene.
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If there is no visual evidence left in the accident at that time, then the insurance company will not pay the claim
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To be clear, you can still go back and make and preserve evidence, but it's not the first piece of evidence, and sometimes it is likely to be denied insurance.
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It is not possible to drive back to apply for insurance.
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Insurance companies generally try not to accompany you if they don't accompany you, and now they don't even have evidence, they will definitely pass the buck, and even if he wants to help you, he can't submit information to the company.
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In this case, you have to drive back and take a picture of the accident scene before you can be reimbursed.
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Impossible, not the first scene, no way.
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One. If a unilateral accident leaves the scene of the accident, the insurance company will not pay compensation.
Two. If you have a unilateral accident, you will return to the scene of the accident and report to the insurance company again.
Three. If it is a hit-and-run accident between the two parties, then it is necessary to call the police, in which case the insurance company will only compensate for 70% of the loss%
Accident report: call the insurance company** to report the accident or call 110 to report, and carry out the follow-up treatment of the accident according to the insurer's information; Accident investigation: The insurance company's surveyor assists the insurer in investigating the cause, nature, liability and loss of the accident; Damage Determination:
Negotiate with the insurer, repair shop or relevant units on the location, item and amount of accident losses; Claim application: According to the type of loss in the case, collect the materials required for the claim and submit it to the insurer for the claim; Compensation collection: After the reimbursement person verifies the accident and the claim materials, he will compensate the insured according to the insurance contract.
Extended Materials. 1) Auto insurance claim process.
Step 1: Report Insurance After a traffic accident, you should properly protect the scene, report to the insurance company within 48 hours, truthfully state the accident and provide an insurance policy.
When the insurance company's investigators go to the scene to investigate, they also need to fill in the "Notice of Insurance". If there are multiple accidents or accidents involving personal injuries and property damage, they should also be reported to the police.
Step 2: Damage assessment After receiving the report, the insurance company will assess the damage of the vehicle and negotiate with the insured to determine the cost of repair man-hours and materials. If no agreement can be reached, you can apply to the price department or the insurance adjuster company for appraisal.
Step 3: Repair the car The owner can choose to have maintenance qualifications or familiar with the repair shop for maintenance, or can go to the insurance company to cooperate with the rescue point for maintenance, and the insurance company and the repair plant jointly complete the damage appraisal work. The damage assessment and repair of the damaged vehicle is subject to repair.
Step 4: Claim After the vehicle is repaired, the customer should keep the repair invoice and provide other necessary materials to claim damage from the insurance company. If multiple responsibilities are involved, the traffic police responsibility determination and mediation letter shall be provided.
Involving a personal accident.
The injured person should also provide the necessary supporting documents such as the diagnosis certificate of the injured person's nonsense (hospital at or above the county level), the invoice for the first fee, and submit complete information for compensation.
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With the continuous development of social economy, car size disturbance has almost entered thousands of households, so the number of cars in the society has been increasing day by day, and the popularity of vehicles has also brought a series of traffic problems, such as the most common traffic accidents and so on.
Under normal circumstances, if a traffic accident occurs, the perpetrator and the victim should first calm down at the scene, and then choose to call the police to deal with it, waiting for the traffic police to come to investigate, as parties to both parties, they should strive to protect some evidence at the scene, especially as the perpetrator, do not choose to leave the scene at the first time, otherwise they will constitute the crime of self-escape.
Then the problem comes, if the traffic perpetrator left the scene at the first time, and did not choose to call the police or protect the scene, then the relevant personal injury or property damage caused by the traffic accident can not be handed over to the first time to issue the relevant accident liability determination, as the perpetrator, in order to be able to obtain the relevant compensation through car insurance, if there is no accident liability determination of the adjacent wilderness, then leave or escape the scene, Insurance companies often do not grant compensation for the vehicle involved in the accident according to the relevant exemption clauses, which often brings unnecessary trouble and losses to the policyholder.
As a good citizen who is legal and law-abiding, I also need to remind everyone that when you collide with others in the process of driving and cause a traffic accident, you must protect the scene in time, and at the same time call the police to notify the police to come to determine the relevant responsibilities and issue relevant responsibility determinations, so that you will be protected by the law.
Therefore, as a car owner, in the usual driving process, you must be cautious driving, especially you must buy relevant vehicle commercial insurance, which is also to ensure that you get more self-protection in the future driving claims, I hope that all car owners can pay attention to this.
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Hello, no, even if you leave the scene after the accident and apply for insurance, the insurance company will refuse to pay the claim. According to the provisions of the insurance clause and the provisions of the Insurance Law of the People's Republic of China, the policyholder, the insured or the beneficiary shall notify the insurer in a timely manner after knowing the occurrence of the insured event. If the nature, cause, and extent of loss of the insured accident are difficult to determine due to intentional or gross negligence, the insurer shall not be liable for compensation or payment of insurance money for the part that cannot be determined.
Secondly, it is stipulated in the insurance clause of both parties that "when the insured makes a claim, it shall provide the insurer with proof and information related to confirming the nature, cause and extent of loss of the insured accident." The insured shall provide the insurance policy, the list of losses, the relevant expense documents, the driver's license of the insured motor vehicle and the driver's license of the driver at the time of the accident.
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In this case, it is not possible to report insurance, because you have already left the scene, burying it is equivalent to destroying the scene, and the insurance company cannot make a claim without the first defense site.
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Of course not, because he didn't leave any evidence at all, and even if he reported the insurance, he wouldn't be reimbursed.
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If the vehicle has been involved in a traffic accident and has not taken pictures, it is not possible to apply for insurance, but if you take pictures, it is possible.
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You can apply for insurance the next day.
The owner of the vehicle should notify the insurance company within 48 hours of the occurrence of the insured event.
If the vehicle owner deliberately or due to gross negligence fails to notify in a timely manner, making it difficult to determine the nature, cause, and degree of loss of the insured accident, the insurance company shall not be liable for compensation for the part that cannot be determined, unless the insurance company has known or should have known about the occurrence of the insured accident in a timely manner through other means.
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Legal analysis: If you leave the scene after a traffic accident and have evidence to prove the responsibility and loss of the traffic accident, you can find the insurance company for compensation.
Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability
Article 12 When signing a compulsory insurance contract for motor vehicle traffic accident liability, the policyholder shall pay all the insurance premiums at one time; The insurance company shall issue an insurance policy and an insurance mark to the policyholder. The insurance policy and insurance mark shall indicate the insurance policy number, license plate number, insurance period, name and address of the insurance company, and the claim number.
The insured shall place an insurance mark on the insured motor vehicle.
The style of the insurance logo is unified across the country. The insurance policy and insurance mark shall be supervised by the China Insurance Regulatory Commission. No unit or individual may forge or alter or use forged or altered insurance policies or insurance marks.
Article 18 Where the ownership of the insured motor vehicle is transferred, the formalities for changing the compulsory insurance contract for motor vehicle traffic accident liability shall be completed.
Unlicensed is unlicensed, and not carrying a driver's license with the car is not carrying a driver's license with the car, which are two completely different illegal acts. The former is more serious and can be fined 2,000 yuan and detained for 15 days; The latter is relatively minor, and a fine of 50 yuan or a warning is imposed, and 1 point is demerited.
You have to be bold to drive, it's good to be bold, hesitant to hesitate, not only are you troubled, others are even more troubled, it's like you turn around, you come to a car opposite you, and there is still a little distance The veteran completely comes to the level U-turn You say you can't fall? If you are timid, you can't get off Don't dare, then the car behind you will be very troublesome Also, the car on the opposite side doesn't know if you are a veteran In case you don't turn around and choose Wait a minute So what will the driver on the opposite side think? I'm slowing down, I'm letting you pass, you're not leaving??? >>>More
In practice, when driving a motor vehicle without a license and causing a traffic accident, when determining its liability, it is generally necessary to add one level to the responsibility under normal circumstances. How to determine the liability for traffic accidents caused by driving without a license? (1) Where a traffic accident is caused by the fault of one of the parties, full responsibility shall be borne by the party; If the party escapes, causing changes to the scene and the loss of evidence, and the traffic management department of the public security organ is unable to verify the facts of the traffic accident, the party who escaped shall bear full responsibility; Where the parties intentionally destroy or falsify the scene or destroy evidence, they bear full responsibility; (2) Where a 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 traffic accident, and if it is a traffic accident, none of the parties is liable; If one party intentionally causes a traffic accident, the other party is not liable. >>>More
The written determination of responsibility for traffic accidents shall be drafted within 10 days of the on-site investigation and delivered to the parties within 3 days after it is made. >>>More
If labor is not provided in accordance with the agreement, wages may be deducted.