How do vehicles get into danger: hot topics and structured guide on the Internet in the past 10 days
Recently, the topic of vehicle accidents has become a hot topic again due to extreme weather and frequent traffic accidents in many places. This article combines popular discussions on the Internet in the past 10 days to sort out the complete process and key data of vehicle accidents to help car owners deal with emergencies efficiently.
1. Review of hot events across the network (last 10 days)
| date | hot events | Related hazard issues |
|---|---|---|
| 2023-11-05 | Blizzard in North China causes thousands of vehicles to rear-end each other | Multi-party accident liability determination |
| 2023-11-08 | New energy vehicle battery fire claims dispute | Standards for determining damage of special parts |
| 2023-11-12 | Cases of denial of compensation for driver’s accident insurance | Definition of third party liability |
2. Analysis of the entire vehicle accident process
1.Accident scene handling
Immediately turn on the double flash, place a warning triangle (50 meters on ordinary roads, 150 meters on highways), and take three sets of photos: panorama, details, and location.
| Essential shooting content | Example |
|---|---|
| Panorama | Contains road signs and vehicle location |
| Close-up of collision point | Clearly show the extent of damage |
| ID of the other party | Driver's license/travel license/insurance policy |
2.Time limit requirements for reporting crimes
The time limit for reporting a case varies significantly among insurance companies, and exceeding the time limit may result in the denial of compensation:
| insurance company | Ordinary accident | major accident |
|---|---|---|
| PICC Property & Casualty Insurance | 48 hours | Report the crime immediately |
| Ping An Property & Casualty | 24 hours | Within 2 hours |
| Pacific Insurance | 72 hours | 12 hours |
3.Loss determination dispute settlement
Recent hot spots show that disputes over damage assessment of new energy vehicle batteries, laser radar and other components have increased by 35% year-on-year. suggestion:
- Keep the inspection report issued by the repair shop
- Require the insurance company to indicate "additional loss can be determined"
- If the dispute exceeds 50,000 yuan, you can apply for third-party evaluation
3. Insights into accident data in 2023
| Accident type | Proportion | average claim amount |
|---|---|---|
| scratch accident | 42% | 3,200 yuan |
| rear-end collision | 28% | 8,500 yuan |
| natural disaster | 17% | 11,200 yuan |
| spontaneous fire | 2% | 63,000 yuan |
4. Guidelines for handling special scenes
1.Danger on behalf of the driver: You need to provide both the driving platform order and the driver’s ID
2.Wading in heavy rain: Damage caused by secondary ignition will not be compensated.
3.Modified vehicles: Undeclared modified parts will be compensated at 70% of the original parts.
5. List of claim settlement materials
| Material type | Is the electronic version valid? | Things to note |
|---|---|---|
| accident certificate | Originals required | Traffic police team stamp |
| Maintenance invoice | Some companies accept | Tax number required |
| Copy of bank card | Can take photos | Indicate the bank where the account is opened |
Recent big data shows that 90% of claims delays are due to incomplete materials. It is recommended to create a dedicated folder immediately after an accident, organize all documents in chronological order, and upload backups in real time through the insurance company APP. If you encounter a dispute, you can call the 12378 China Banking and Insurance Regulatory Commission complaint hotline. In the past 10 days, the number of auto insurance complaints accepted by this hotline has increased by 22% month-on-month. The regulatory authorities have strengthened the timeliness assessment of insurance companies.
check the details
check the details
en
