I take full responsibility for the collision of two cars. What if I get hurt? Can I use medical insurance to reimburse?
It is recommended to look at the following common sense of dealing with auto insurance injuries and deal with them according to your own situation.
Suggestions on personal injury treatment in traffic accidents: the premise is compulsory insurance+three liability insurance N million+excluding deductible!
A few hundred small things can be solved, so leave, save trouble and effort! This is the best! Two kinds of people had better call the police to deal with the danger: the old man and the old woman, who are not out of danger, take them to check themselves, give them a few hundred dollars and come back to you in a few days (maybe their children brought them here). Any more problems, you have to solve them yourself. No danger report, no on-site record, big loss! Students, children, etc., skipped away when they saw nothing. Later, parents came to us. The children are too ignorant to say anything when they are beaten. Now that they have found something that hurts, you have to deal with it! No insurance, no record at the scene, pay for it yourself! The last feather of this kind of incident! Since the case of helping the old lady fall to the ground, this social atmosphere has broken down, so we must handle things carefully! Compulsory traffic insurance is not responsible for paying medical expenses 1000 yuan. Take a look at the compulsory insurance policy!
1. If someone is injured, call the police in time, telephone 1 10,120 (within 48 hours, if you don't claim compensation, you'd better report it on the spot. Don't drive yourself to the mobile site of the hospital. If the injured person dies, you are finished. The traffic police will impound the car and take the compulsory insurance policy. If the injured person wants to be hospitalized, it will be 66. Don't think about holding a receipt of 1 0,000 yuan without paying a penny or finding an invoice (reimbursement certificate) on the wall of the nurse's office. Although the road rescue fund and the public security department have issued a notice to let the insurance company pay the medical expenses in advance if the perpetrator is unable to pay, it is best not to take this step. It's too tough not to pay in advance. At the beginning, it is easy to intensify contradictions. If you are beaten black and blue, you asked for it. Generally no one sympathizes with doctors.
The personal injury specialist of insurance must contact him, and he must come to the hospital. I should contact him many times during this period. He wants to call the personal injury specialist for examination, medicine and materials, and points out that it is a rescue worker now, and your personal injury specialist will decide what medical insurance and non-medical insurance are needed, otherwise it will be annoying to reimburse him. It's best to call 120, so that you can save your own car and get an ambulance fee invoice.
3. After the injured person has gone through the hospitalization formalities, he will go to the traffic police team to pick up the car with the disease diagnosis certificate issued by the hospital. Generally, he will pay thousands to tens of thousands of deposits. Generally, he will send money to a designated bank to see the situation of the injured. After paying the money, he can go to the parking lot to pick up the car (the invoice for rescue expenses is reimbursed). The money is used for the treatment of the injured. The traffic police team will give you money or an invoice when reimbursing. Don't think that you can handle traffic accidents without paying money or parking fees. I'm really excited to be with you. Check your car license, headlights, triangle fire extinguishers and so on according to law. Stealing a car can also check you for fun. Unless you don't drive locally, there will be tricks for you.
4. After the injured are hospitalized, they can go to the traffic police team to get the accident certificate and find insurance to repair the car according to the situation! You usually take full responsibility for bumping into the weak, and you know why! If no one dies and no vegetative person is paralyzed for life, it is better to take full responsibility and handle it conveniently, because there is no need for N% to be the other party's responsibility, and you have to bear 10% responsibility without responsibility. If there are heavy casualties, we must not arbitrarily admit responsibility, otherwise it will be astronomical and criminal responsibility. Of course, in this case, the police will carefully determine the responsibility, and you also have the power of administrative reconsideration. Don't take full responsibility for the collision between two cars! Unless the brain is broken, the full responsibility is only for the weak such as pedestrians and non-motor vehicles! Generally hit the weak, the basic sentence is also full responsibility! You have insurance, he doesn't, you are a motor vehicle, he is a non-motorcycle, in order to save trouble! For peace of mind! It's as simple as that for harmony! Of course, you should feel that it is not good to take full responsibility! You can also deny full responsibility! Different people have different opinions!
Don't be idle when the injured person is in hospital. To visit the injured. The injured person will not have a good impression on you because of your visit, and your compensation will be reduced. That's the rule. It's impossible. If you can't get it, it will be counterproductive. I think you are timid and easy to talk to. Of course, if you bump into friendship and prepare to make friends, that's another matter! After the injured are discharged from the hospital, they usually go to the traffic police team to deal with them. The handling of the traffic police team is actually mediation, but it is actually harmony. You screwed up the case, and you won't agree. You signed a mediation agreement and basically agreed to pay a lot of money yourself. General nursing and lost time are very long. You will not be recognized if you go to an insurance company, because this is your own promise and the compensation is certain. The three liability insurance clauses generally have the clause 1: Without the written consent of the insurer, the insurer has the right to review the amount of compensation promised or paid by the insured. If it is not within the scope of the insurer's compensation or exceeds the amount payable by the insurer, the insurer will not bear the amount of compensation. .
6. Don't think that the mediation of the traffic police team is useful, and the insurance is basically not recognized. It stands to reason that the money was paid by the insurance company. Why don't insurance companies go to the traffic police team to mediate together, because insurance going to the traffic police team will face triple pressure from you, the injured and the traffic police team. You buy insurance just to pass on the risk! But insurance is not stupid, he will still pass the risk on to you and will not go to the traffic police team! And once you sign the mediation agreement and then go to the insurance company for reimbursement, the insurance company will clean you up like playing a game, and will take out the above terms and inspection fees for each item, and you have to take care of that money again.
7. If you disagree with mediation and ask the other party to sue, you will definitely not mediate. If you encounter unreasonable troubles, you will get 1 10, and the court will award you 100000. The insurance company will not dare to pay 1 point. Tell the other party clearly that if you have a relationship and have the ability to move, you can go to the insurance company, and the insurance company can pay more. Of course, if you lose more, you can still get points.
8. For traffic accidents without heavy casualties, the court generally does not hold a court session, which is also civil mediation. However, this kind of mediation is more about the management of the traffic police team. It is a mediation agreement signed by the full-time lawyer of the insurance company and the victim and his agent or lawyer. The owner just sat and watched the hot spots. In fact, they are all old acquaintances, and all lawyers who have been engaged in traffic accidents all the year round know them. It depends on the insurance company and the injured and their agents bargaining like buying food in court, mainly about the length of nursing time and lost time. Generally, proof of lost time and tax payment are required. The injured I met before, it is estimated that the unit did not deduct the money, nor did it prove that the insurance company's lost time expenses, nursing expenses, transportation expenses and nutrition expenses were calculated according to the urban hukou. Of course, like any serious fracture surgery, there is a disability level, but it depends on the insurance company. That is, the insurance company can give more or less. After the negotiation, you sign it, and all the related repair and treatment expenses will be handled by the insurance company's lawyers. Finally, the insurance company will transfer the money to the court account, and you can get back your car repair money or advance medical expenses, and the injured can get back the corresponding compensation, each with its own money and its own way.
9. Generally, in court, lawyers of insurance companies will fool you. What insurance is wrong, excluding deductible, you didn't buy it. How much you want to pay, you have to take out the insurance policy and check for yourself. You still need to understand the basic knowledge. Otherwise, you are a stupid bird, and it is easy to cheat you into paying for it yourself. If you really don't buy it, this can also be discussed. Don't listen to what the lawyer says. You have no right to decide. You have no right to decide that the insurance company wants him to come to the court to fuck the birds and watch the fun.
10, the insured amount, excluding deductible, can't be fooled, that is, medical insurance and non-medical insurance will fool you into paying money, take out the hospitalization list and take a look at how much you want. This is not medical insurance. If you want to say what you did in Article 2 before, throw all the responsibility to the insurance company. Insurance was originally bought to pass on risks! In order to rescue the injured, the medication and examination are decided by the doctor. You can't decide, nor dare you delay the treatment of the injured. This is a matter between the personal injury Commissioner and your insurance company. The money is paid by your insurance company, so you have the obligation to supervise and standardize the drug use and inspection, which has nothing to do with the owner. What is the basis for insurance companies to provide non-medical insurance? There is no distinction between medical insurance and non-medical insurance in the Procedures for Handling Traffic Accidents and the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Personal Injury Compensation Cases, and litigation insurance will basically lose! Of course, there are other ways to avoid or reduce non-medical insurance costs. Think for yourself!
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12, there will be a lot of trouble after you settle down! It's easy to give money. Come back later and ask for money! It's crazy to have a basic fracture without going through the court. Now that prices are soaring, it is normal for tens of thousands of people to have an operation on a fracture! It is easy to get a disability level, and it is tens of thousands! If you have brain injury, you can't solve it without six-figure surgery! You can't afford it!
13. Give a few hundred when you meet someone. If you are really free, you can call insurance and play slowly! Compulsory traffic insurance is not responsible for paying medical expenses 1000 yuan! Personally feel that the price is low! There is a driving recorder that feels obviously touching porcelain and resolutely calling the police!
12. The aforementioned Class A clause bears the judicial signature fee, lawyer's fees and legal fees. This is an old calendar, and now you have to buy special insurance for legal expenses.
13, excluding the deductible is 100% payment. If you don't buy it, you must bear part of it yourself according to the corresponding responsibilities. If you think you have to buy it. Car damage insurance repairs one's own car, and three liability insurance repairs the other's car and people's (the premium between 30 and 50 is not much different, the difference is 200,000 to 300,000, but the insurance amount is 200,000 more. I feel that 200,000-300,000 three liability insurance is not enough now. I've seen motorcycle injuries, arachnoid hemorrhage in skull fracture, and finally closed the case with disability compensation. He insured 200,000 yuan, and eventually posted hundreds of thousands), and the people insured by drivers and passengers, whether classmates or friends, were useless. You must pay for the accident. In case you bring 4-5 people, the medical expenses of compulsory insurance are only 1 000, and there is no need for three liability insurance. Don't borrow the car easily! A3 is tens of thousands of yuan. It's hard to say the price when hitting people. Generally, you have to bear joint and several liability!
14, no one was injured in the motor vehicle collision. Generally speaking, this car has not been impounded. This is a rapid treatment or damage assessment center. I took out the insurance and went to repair the car with the accident certificate. If you meet an unreasonable person, 1 The first is to deal with the traffic police, the second is to find a unit to find him or the leader, and the third is to bring a lawsuit directly to the court!
16, please consult a lawyer if you have any questions! Will give you the best answer! Please correct me if you think it is wrong! Thank you.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.