I drove into a guardrail and didn t get insurance, right?

You're at a loss for this.

First, whether you have reported commercial insurance, and whether there is a deductible insurance in commercial insurance or not.

If you are insured, call the insurance company directly, call the police, and accompany you in the normal process.

Because it is a unilateral accident, the responsibility is easy to identify, and the handling process will be very fast.

Second, if you are afraid of losing the guardrail money, just find a wall and hit it, and also report to the insurance company, call the police, it is very convenient to deal with, and the insurance company will also pay.

Third, if you think it is troublesome, you can also call the auto repair shop to help you do insurance, they are professional units that cheat insurance, you don't have to worry about it at all, provide materials, wait for the car to be repaired, take the car and leave.

Fourth, generally small unilateral accidents, no personnel, traffic police are not at the scene. There is no point deduction for unilateral accidents. In the past, there was no need to open an accident liability certificate for less than 2,000 yuan, but now it seems that less than 10,000 yuan can be reported to the police for the record, which is very convenient.

Fifth, my real experience, the bumper was scratched, directly hit the wall, called the police, reported to the insurance company, the traffic police did not come, the insurance company came to assess the damage, the 4S shop maintenance did not spend a penny, 1 week to the money arrived.

Sixth, if you buy insurance in the future, you will have to buy full insurance for commercial insurance, and you will be accompanied by the insurance company no matter how you touch it.

Hope it works for you.

So why do you buy insurance?

1. It depends on what insurance you buy, whether there is driving liability insurance, if it is not deductible, the general insurance is to pay in full;

2. Traffic accidents are generally not deducted points;

3. The facts are clear, and now the insurance company's claim procedures are still very convenient, and the amount is not large, and the procedures are complete, and you can generally get the money directly.

According to your personal thoughts, if you don't violate the law and compensate, there is nothing wrong with it, but the insurance company is happy.

Depending on what insurance program you buy, is there any driving liability insurance? Not deductible? General insurance is to pay in full;

Traffic accidents generally do not deduct points.

Now it is still relatively convenient for insurance companies to settle claims.

Hope it works for you.

Yes 1The guardrail belongs to the road traffic facilities, you should choose to stop immediately, report to the traffic police for processing, and if you have insurance, you need to report insurance.

2.After the traffic police arrive at the scene, the responsibility for the accident is determined.

If the traffic police determine that the driver is responsible, the perpetrator is required to compensate according to the property damage. If there is third-party liability insurance, the compensation can be paid by the insurance company.

If you accidentally hit the guardrail, this situation is an accident, you can apply for insurance, this will be accepted, but if you accept, it will also affect your second year insurance coefficient.

If the vehicle hits the guardrail, you can get compensation from the insurance company within a reasonable range. The usual claim process is as follows:

1. Try to keep the scene of the accident, take photos to retain evidence, and report the case to the insurance company and the police.

2. After receiving the report, the insurance company will send someone to the scene to investigate, and pull the vehicle to assess the damage and repair.

3. The owner submits the claim materials, including the claim application, driver's license and driving license, the insured's ID card, the receiving bank card and the vehicle repair invoice.

It is worth noting that the ** of car insurance is linked to the number of accidents in previous years, and it is not recommended to make a claim through insurance for small losses, so that you can also get a discount on premiums in the coming year.

If it is not more serious, you can directly report the insurance claim, and if it is serious, the insurance company will inspect the scene.

You can report, but you don't have to make a claim. Because you should have called the police at the time, and the insurance company reported the crime, without these insurance companies there is a reason not to pay the claim.

OK! It should be an "accident"!

If the car hits the guardrail, if it is caused by a unilateral accident, you will buy car damage insurance.

If you do not buy car damage insurance, then the insurance company will generally not be liable for the claim. If the car hits the guardrail because of a collision with other vehicles, in addition to the car damage insurance, if the accident is responsible for the other party, the other party's compulsory traffic insurance can also be claimed, if the accident is responsible for itself, then it can only be compensated by their own car damage insurance.

Vehicle damage insurance mainly protects the damage suffered by the insured vehicle after an insured accident, and the damage to the vehicle caused by a collision is one of the insured accidents.

Extended Materials. Vehicle insurance, i.e., motor vehicle insurance.

Abbreviated as car insurance, also known as car insurance. It refers to motor vehicles due to natural disasters.

or a kind of commercial insurance that is liable for personal ** or property damage caused by accidents.

Automobile insurance is a kind of property insurance, in the field of property insurance, automobile insurance belongs to a relatively young type of insurance in the field of property insurance, which is due to the emergence and popularization of automobile insurance and development. At the same time, unlike modern motor vehicle insurance, car insurance is based on third-party liability insurance for automobiles in the early stage.

It is the main insurance, and gradually extends to the risk of collision loss of the car body.

A type of insurance widely carried out in China is a kind of insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject matter of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.

The main insurance of commercial insurance includes vehicle damage insurance, third-party liability insurance, and vehicle occupant liability insurance.

Full car theft insurance. Motor Vehicle Damage Insurance.

It is an insurance that covers the insured vehicle to suffer from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer shall compensate in accordance with the provisions of the insurance contract. Motor vehicle third-party liability insurance is also responsible for compensation by the insurance company for the amount that should be paid by the insured in accordance with the law if the insured or its permitted qualified driver has an accident during the use of the insured vehicle, resulting in personal damage or property damage to the third party.

1) The insured motor vehicle (including the insured trailer) that has been stolen, robbed, or snatched in the whole vehicle shall be filed and investigated by the public security criminal investigation department at or above the county level, and the whereabouts have not been ascertained for 60 days;

2) Reasonable expenses for the damage to the insured motor vehicle after it has been stolen, robbed or snatched, or the parts and accessories on the vehicle are lost and need to be repaired;

3) In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured motor vehicle shall be borne by the insurer, and the maximum amount shall not exceed the insured amount.

amount. Losses incurred in three cases can be compensated. Occupant Liability Insurance refers to the accident of the insured vehicle (not intentionally by the actor, but unforeseeable and irresistible by the actor, resulting in the loss of expenses caused by the driver or passengers in your car**, as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss, which shall be compensated by the insurance company.

If you drive your car and hit the guardrail, you only have compulsory traffic insurance and third-party liability insurance, and you can't find the insurance company to settle the claim. Compulsory traffic insurance and third-party liability insurance only compensate for the third-party losses caused by the accident between the two parties, and only by purchasing car damage insurance can you compensate for the loss of your own vehicle. Commercial third-party insurance is a type of insurance in which the insurance company is liable for the loss of a third party.

The third party refers to the third-party victim who suffers losses due to an accident in the insured vehicle other than the policyholder, the insured and the insurer. Any loss caused to a third party (except for the car and the people on the car), regardless of whether it is liable or not, is within the scope of compulsory traffic insurance.

When there is responsibility, the maximum compensation for the property loss of the three parties is 2,000 yuan, the maximum compensation for the medical expenses of the three parties is 10,000 yuan, and the maximum compensation for the death and disability of the three parties is 110,000 yuan.

When there is no liability, the maximum compensation for the property loss of the three parties is 100 yuan, the maximum compensation for the medical expenses of the three parties is 1,000 yuan, and the maximum compensation for the death and disability of the three parties is 11,000 yuan.

If the insured or the driver allowed by the insured suffers an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, the insurance company will compensate within a reasonable range, and the car damage insurance is the insurance for the loss of the vehicle itself. According to the provisions of relevant laws, if a motor vehicle hits a guardrail, if it meets the requirements of a claim, the insurance company shall compensate within the prescribed amount, and the responsible person shall bear the responsibility if it exceeds the range.

Legal basis. Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability (2019 Revision) If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability (2019 Revision) In any of the following circumstances, the insurance company shall pay the rescue expenses within the liability limit of the compulsory insurance for motor vehicle traffic accident liability and shall have the right to recover compensation from the victim: (1) the driver has not obtained driving qualifications or is drunk; (2) The accident is caused during the theft and robbery of the insured motor vehicle; (3) The insured intentionally causes a road traffic accident. In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

Summary. Hello, you can apply for insurance later, it is recommended to call the police within 48 hours, otherwise the insurance company will refuse to pay.

I accidentally hit the guardrail while driving, and since I didn't park, can I apply for insurance later?

Hello, you can apply for insurance later, it is recommended to call the police within 48 hours, otherwise the insurance company will refuse to pay.

Hitting the guardrail is within the scope of car insurance, and you can pay for it first.

There was no parking at that time, can I apply for insurance?

Yes, can I call the insurance company directly?

Yes, you can report the insurance.

However, after the insurance claim is settled, it will affect the premium of the next year, and the car premium is related to the insurance in the previous year, and the provisions are as follows: 1. If there is no insurance within one year, the premium of 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, 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 have two accidents within the year, the insurance cost will increase by 20%, the premium for 3 accidents will increase by 50%, 75% for 4 accidents, and 100% for 5 or more accidents; 6. In the event of a road traffic fatality accident in the previous year, the premium will be increased by 30%. Oak years.