How to pay for a car accident on snowy days?

20 18 heavy snow arrived as scheduled, and the first snowstorm occurred in various places since winter. For snowy days, many people's impression should be like this.

Look at these snowflakes.

make a snowman

Or have a snowball fight

These are childhood memories,

If you're not interested in these,

Then you have grown up.

Will pay more attention to the influence of snow,

Especially in traffic and travel safety, it has brought a lot of inconvenience.

For example, in recent days, there was an accident in Anhui where a bus stop collapsed due to heavy snow, which caused many injuries, and it was easy for old people to fall down on snowy days.

There are many similar examples, which not only bring inconvenience to pedestrians, but also test the courage of car owners in traffic. On snowy days, the difficulty coefficient is very large for friends who drive. Snow turns into ice, and vehicles tend to slip out of control. So go out as little as possible on snowy days to reduce this kind of thing.

But! But! But!

What should I do if I have an accident in snowy weather?

How to get claims quickly and protect the rights and interests of car owners?

Timely report major collision accidents in snowy days.

First of all, auto insurance experts say that the most common traffic accident in snowy days is rear-end collision, which is caused by the sudden braking and skidding of vehicles. Then, for this kind of big accident, as long as you have insured the car damage insurance, you can report the case according to the normal procedure.

It should be noted that there are many accidents on snowy days every year. Some car owners encounter various troubles in the process of claim settlement because they don't report the case in time or don't understand the claim settlement situation, and even can't make claims. Therefore, it is best to report the accident to their insurance company as soon as possible after the accident, then call the police, and handle the accident on the spot through the traffic police, close the case, settle the claim, submit the claim materials, close the case and receive compensation.

However, in bad weather, the vehicles themselves are generally slow, so the losses caused by these accidents are relatively small.

What if there is a minor accident?

Handling methods of minor accidents

Should I pay for the hiccups caused by heavy snow or go to the insurance company to pay for them? Will frequent insurance affect the preferential coefficient of insurance in the next year? In this regard, the China Insurance Regulatory Commission stipulates that the premium discount coefficient will be higher if you don't go out of danger for several consecutive years. If the frequency of accidents in the previous year is small, the insurance company will give certain preferential conditions in the next year within the scope stipulated by the CIRC.

Therefore, the owner may wish to calculate an account by himself first. If it is only a minor accident, it is recommended to settle the claim carefully to prevent the premium discount coefficient from decreasing in the coming year.

However, in the event of a minor accident, if the owner needs to claim compensation after weighing the pros and cons, he can first call 122 for filing. If the surveyor of the insurance company can't arrive at the scene in time, he can take photos and collect evidence after communicating with the insurance company, and the two sides of the accident exchange copies of the driving license, and then drive the vehicle to the damage detection center designated by the insurance company for processing. After determining the compensation, the owner will send the invoice to the insurance company and leave the bank account number, and the insurance company will pay the compensation to the personal account within the specified date.

Not all trips on snowy days can be compensated.

Snowy accidents generally fall within the scope of car damage insurance, but according to auto insurance personnel, "in most cases, you can get claims when the vehicle is out of danger, but there are some exceptions.

"If the engine is not equipped with antifreeze or the antifreeze is not up to standard, resulting in engine damage, or the wiper of the vehicle is frozen in snowy days, the owner forcibly starts and burns down the generator, and some car damage caused by mechanical failure caused by cold weather is not within the scope of claims.

abstract

There are many hidden dangers of safety accidents in snowy days. For this bad weather, Bian Xiao suggested that you must be more careful when driving, remember not to change lanes at will, keep a reasonable speed, and don't slam on the accelerator or brake suddenly. If you brake suddenly, don't hit the direction.