44 Chinese tourists were involved in a serious car accident in Laos. If the tourist has an accident abroad, what should the family members of the tourists do?

A tourist had an accident in a car accident abroad and contacted us after the incident. As family members, we must be extremely anxious. We want to know the specific situation and wish we could fly over. We can all understand this urgent mood, but what we need more at this time is calmness, because our loved ones are suffering and they need our help.

Generally after something like this happens, the embassy will contact us family members and help us go through the procedures for going abroad. What we have to do is to cooperate with the embassy as much as possible and rush to our relatives as soon as possible.

We can ask the embassy to help understand the specific circumstances of the car accident from the local police, find out the cause of the accident as soon as possible, and take care of our loved ones so that they can receive proper medical treatment.

As family members, we should also know some relevant legal knowledge. If we have personal life insurance, then even if the insurer is in danger in a car accident abroad, we can still seek compensation from the insurance company. However, there are two situations where the insurance will not accept claims: First, the insurance company clearly stipulates that the insured can only receive compensation if the insured is in danger within the borders of the People's Republic of China and China; second, the medical insurance will not accept medical treatment in foreign medical institutions. claims for medical expenses.

After the implementation of the "Insurance Law", insurance companies followed international practices and basically eliminated the geographical restrictions on the insured in the event of an accident. However, if the insured has an accident abroad and wants to make a claim, he or she needs to provide the insurance company with the claim information required by the insurance policy, and may also need to provide some other information. This depends on the situation. If death occurs, then The death certificate provided must also be notarized by the Chinese Embassy.

But in fact, no matter which one it is, as family members, we hope that whether our loved ones are traveling abroad or domestically, they can go happily and return safely. We hope there will be less Accidents, more peace of mind.