Four ways to deal with vehicles quickly

Driving on the road, drivers will encounter traffic accidents of different sizes, and vehicles will also have different degrees of damage. How to deal with these troublesome things? Dubang Insurance's auto insurance experts said that there are 4 ways to handle the vehicle quickly after it is out of danger, but each treatment should pay attention to related issues.

Method 1 Self-negotiation is generally aimed at small-scale cases or simple cases. Both parties have no objection to the responsibility for the accident. Both parties have no other situations in which illegal driving (such as drunk driving, driving without a license, etc.) is suitable for self-negotiation. Self-negotiation also includes the part of “interaction and compensation”. The advantage of this treatment is that it saves time and effort, but its risk is that the parties quickly use this rule to request evacuation from the scene, eliminate the evidence on the scene of the accident, and then remorse afterwards. They do not recognize the responsibilities negotiated in advance and make the claim difficult.

Auto insurance experts advise: In this way, it is necessary to leave on-site evidence as much as possible through mobile phone photographing; secondly, the consultation responsibility shall be in writing, and both parties shall sign and confirm it; thirdly, in the process of processing, both parties shall examine each other's verification documents and insurance information. After confirming the correctness, the documents will be exchanged, and their respective telephone numbers will be left for later processing.

Method 2 Alarm processing The alarm processing is to report to the traffic control department immediately after a traffic accident. The parties need to keep the accident scene, wait for the traffic police to rush to the scene, carry out on-site investigation and evidence collection, conduct investigation and verification of the parties, and conduct accident liability determination. The advantages of this method are: the determination of the responsibility is more accurate, the evidence can be better preserved, and the contradiction and friction can be solved effectively by the traffic police. The insurance company has a higher degree of recognition of the responsibility. The disadvantages are: the waiting time is long, and the parties to the fault may be punished accordingly by the traffic police department and increase unnecessary economic losses.

The auto insurance expert reminds that if the parties choose to handle the alarm, it depends on the circumstances of the accident. If it is difficult to grasp, it is best to report the case to the insurance company at the same time. Under the guidance of the insurance company, conduct the alarm processing.

Method 3 The insurance survey and insurance investigation, that is, report the case to the insurance company in time after the occurrence of the danger, and require and wait for the insurance survey personnel to go to the site for survey. The advantage of this method is that the insurance company's support and services can be obtained more quickly, and the handling of accidents and insurance claims is more comprehensive and can provide faster claims. The disadvantages are: on-site survey requires customers to wait patiently to survey personnel, wait longer, and require insurance investigations at the same time, but also need other methods at the same time, in order to get a more comprehensive solution.

Auto insurance experts remind that the most conservative and effective method is to report to the insurance company in a timely manner. Regardless of the treatment method chosen, you can ask for help from the insurance company and start the accident handling work under the guidance of the insurance company staff.

Method 4 Clients are private and private. They are also a method of handling traffic accidents. The loss of the two parties is very small. For the sake of simple handling, the parties can choose to deal with each other privately, which is beneficial to both parties. The customer chose to make private use of the minor incident, saving both money and effort. The advantages are: simple, time-saving, labor-saving, cost-saving, and fuel-efficient. It will not delay time due to minor accidents, and will not need to toss back and forth for claims. The next year's premiums may be lower. The risk is: It is necessary to prevent both parties from "accounting after the fall", it is best to sign a written agreement, leaving private evidence to ensure that there is no trouble.

The auto insurance expert reminds that if the client can't get compensation from the insurance company after being private, it is equivalent to the parties choosing to give up their right to claim from the insurance company. Therefore, before both parties choose to be private, they must be cautious in making judgments and make the right and most reasonable choice.