Hit someone else s car, the owner doesn t know, whether to report insurance

Hello, if you are feeling left and have not compensated each other for the loss of the vehicle. If it's your own community, it's best to tell him and apply for insurance to accompany him, otherwise it won't be good if people find the monitor and find you. If it's a foreign vehicle, don't care, after all, sometimes you're in a hurry, and you don't know who the owner is, so it's impossible to wait for the owner to come.

Regarding insurance, I think you should have left the scene at that time, and it must have been a bumper for a very small accident. You should be a vehicle of about 200,000 yuan, and it will cost 500 yuan to spray paint at 4S point. If you want to be fully accompanied, you have to return to the scene, after all, the on-site insurance company requires the scene.

And it is also necessary to ensure that the vehicle that collided at that time is still **, if it happens to be touched by the other owner, it will not be good. You're gone. Then leave him alone, and if you feel that your heart is not happy, then pray to the heavens that he will drive safely, be healthy, and make a fortune.

After all, this kind of thing happens a lot in a day.

If you still have to pay for insurance, you can only pay 70% by then, and you can drive the car to the side of the road and report that you have been scratched by someone parked here, and then the insurance company will deal with you according to the damage to the park. However, you have to pay 30% yourself, that is, you can only claim 350 yuan. According to the price of your body, your annual premium is about 7,000.

The premium of your insurance for next year is **7%, which is 490 yuan, which is very uneconomical.

I'm just giving advice, the decision is still up to you, good luck.

You can contact the car owner, so that your compulsory insurance can pay for the loss of the car owner, and if it exceeds the limit of the compulsory insurance, your commercial insurance can also pay him (provided that you have purchased commercial third party insurance).

If you don't contact the car owner, his insurance company will also pay him, but because of the scene, you can only pay him 70%, and he has to bear 30% himself, so you may not be able to get over it on your conscience.

Of course, if the loss is not big and you don't bother to report the insurance, you can bear to give him 30% of the loss and let him report his insurance.

Square peg. Should be reported. Otherwise, society will be in chaos.

If someone else hits the party's car, the party does not need to report insurance.

The car was rear-ended, and the other party was fully responsible, and he did not need to report insurance. The fully responsible party shall inform the insurance company, and the insurance company shall give compensation after assessing the damage, and if the other party does not have insurance, the fully responsible party shall be responsible for all compensation. Public security organs.

The traffic management department shall, according to the traffic accident scene inquest, inspection, investigation and relevant inspection and appraisal conclusions, make a traffic accident identification in a timely manner.

As evidence to deal with traffic accidents. The traffic accident determination document shall clearly state the basic facts of the traffic accident, the causes and the responsibilities of the parties, and serve them on the parties. The other party is fully responsible for the traffic accident, and the advance payment of the loss arising therefrom is negotiated by both parties.

However, if the party causing the accident refuses to pay compensation, it can sue the party responsible for the accident and its insurance company to make compensation. In the case of a dispute over compensation for damages in a traffic accident, the parties may request mediation from the traffic management department of the public security organ, or may directly file a civil lawsuit with the people's court.

It's very simple, a way, find a site near your community that is similar to your damaged parts, such as a flower stand, garage pillar, or fence or something, and then put the car there, set up a scene, report to the insurance company, and say that it hit the wall or the flower stand or the pillar, but the premise is to be like.

The second way is to find a repair shop that you are familiar with and ask him to help you deal with the accident, they are generally familiar with the insurance company's claims adjuster, but you must find a familiar repair shop or repair station.

The last way, if you are too troublesome or can't get the first two, just report to the insurance company directly, saying that your car was hit by other cars in the community, and the person who hit you ran away, so that the insurance company will compensate you according to the three hit-and-run accidents, and accompany 70%.

Summary. Hello, if you hit someone else's car, you can take insurance, but if it costs one or two hundred yuan, it is not recommended to take insurance.

If you hit someone else's car, you know if you can take insurance.

Good. Hello, if you hit someone else's car, you can take insurance, but if it costs one or two hundred yuan, it is not recommended to take insurance.

The car premium is related to the number of accidents in the previous year, and the key failures are as follows: 1. If there is no insurance within one year, the premium for the second year will be discounted by 10%; 2. If there is no insurance for two consecutive years, the premium for the second year will be discounted by 20%; 3. If there is no insurance for three years or more than three years, the premium for the second year will be discounted by 30%; 4. If you go out of insurance once in a year, the general insurance cost remains unchanged, but you have enjoyed the preferential premium, the premium will be restored to the standard premium after the insurance is out once; 5. If you go out twice in one year, the insurance cost will rise by 20%, the premium for 3 times will increase by 50%, 75% for 4 times, and 100% for 5 times or more; 6. In the event of a road traffic fatality accident in the previous year, the premium will be increased by 30%.

I hit someone else's car, and I know if I can take insurance, and my own person is gone.

It's okay if your own person leaves, but if you escape, the insurance company won't pay.

How to report insurance if the car collides with someone else's car:

1. First of all, take pictures at the scene of the accident and report the accident within the time specified in the insurance.

2. If you don't take pictures, and you buy someone's insurance, you can directly find the insurance person, and he will help solve it.

3. If you buy **insurance, you can call the car insurance of that insurance company and let the insurance company send someone to investigate.

In addition, the regulations for car insurance reporting:

A: Single-vehicle accidents can be reported within 48 hours, B: Two-vehicle accidents need to be reported within 24 hours, if both situations exceed the time, the claim should be discounted. Among them, the two-car accident must be photographed at the scene, or after the police are called, the claim shall be settled according to the appraisal certificate of the traffic police.

If there is an injury accident that needs to be reported to the police, and then reported to the insurance, if there is no evidence or proof in both cases, you can only report the accident according to the bicycle accident, that is, you accidentally hit the guardrail or other things, and the vehicle is damaged due to your own reasons, and the general insurance company has to pay compensation.

Legal Analysis: First, it is necessary to determine responsibility for the accident. If the parties are unsure, they will need to call** to confirm and send a traffic accident liability identification letter, which will be required for subsequent insurance claims.

Second, if it is the other party's main responsibility, such as tethering, chasing the car, not following the road, going straight, the other party turning and not letting yourself, etc., the other party is responsible for the loss of your vehicle. A fixed loss can be fixed at the time of the insurance company's loss.

Thirdly, it is possible to meet the other party, because the model is only older in traffic insurance, and does not take early cavity business insurance such as non-allocation car damage. This is uninsured, and the other side can only pay for your car repairs. If the other party cannot get compensation from the civil compensation bank, then your car will be determined as the amount paid by the other party themselves.

Here, there may be an emergency vehicle situation, which can be clearly stated to the insurance company, go to the insurance for emergency repairs, and then the perpetrator will compensate. If that's the case, be sure to check with your insurance company to see if it will affect your own insurance growth next year.

Legal basis: Insurance Law of the People's Republic of China

Article 10 An insurance contract is an agreement between the policyholder and the insurer that stipulates the rights and obligations of the insurer.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

Article 11 The conclusion of an insurance contract shall be made through consensus and the rights and obligations of all parties shall be determined in accordance with the principle of fairness.

Except where laws and administrative regulations stipulate that insurance is mandatory, insurance contracts are concluded voluntarily.