Work Method For Quick Compensation Of Minor Traffic Accidents In Guangzhou Area

　　 On the afternoon of 1 days, Guangzhou traffic police The joint insurance supervision department issued news: on the basis of summarizing the original handling of minor traffic accidents, Guangzhou promulgated more detailed "Guangzhou area". Work method for quick compensation of minor traffic accidents "Vigorously promote the rapid handling of minor traffic accidents and quick settlement.

How to calculate minor traffic accidents?

Traffic accidents concurrently meet the following conditions for minor traffic accidents: first, no casualties were caused; two, the vehicles in each side were not seriously damaged, and the loss value of each side did not exceed 2000 yuan; three, the vehicles on all sides could continue to run normally.

Guangzhou traffic police detachment responsible person, more than 2000 yuan, should wait in situ. Traffic Police Department Processing. If the site is estimated to be less than 2000 yuan, it should be applied to the insurance company for more than this amount in the specific maintenance process. After verification, a reasonable claim amount will be given.

What should we do if there is a slight accident?

　　属于轻微交通事故的，车主应当按以下基本程序处理：事故发生→立即停车并开启危险报警闪光灯→在确保安全的前提下迅速用手机等设备对事故车辆位置拍照或者标划车辆现场位置→不需办理保险理赔的，马上撤离现场自行协商赔偿数额及方式;需保险理赔的，立即将事故车辆移至路外空地、停车场等不影响交通安全和通行的地方，向保险公司报案→迅速填写《广州地区轻微交通事故损害赔偿协议书》→按照保险公司指引，前往理赔服务点、路外空地、停车场等不占用车道的地方办理查勘理赔(高速公路、快速路上应将车辆移至服务区、收费站、紧急停车带等地);前往理赔服务点的，各方当事人必须在事故发生后24小时内共同到达理赔服务点办理查勘理赔。

If a party fails to evacuate the scene after the occurrence of a minor traffic accident or fails to fulfil his duty quickly, the traffic police department of the public security department shall punish the accident party in accordance with the law in accordance with the law, causing traffic accidents, traffic jams, failing to set warning signs in accordance with the regulations or failing to use the warning lights in violation of regulations, and violating the prescribed parking regulations. The two traffic accidents will be investigated for legal responsibility. Guangzhou public security traffic police departments and insurance industry jointly appeal that after minor traffic accidents, they should immediately evacuate the scene and resume traffic, instead of arguing about it, and try to reduce the impact on social public safety and road traffic. {page_break}

Traffic police remind:

It is best to bring accident compensation agreement.

It is reported that one party has the following responsibility for the following traffic violations: 1. rear end. 2. change lane or cross line. 3. reversing and sliding behind. 4. failing to pass according to traffic signals. 5. turn cars are not allowed to go straight ahead. 6. reverse driving. 7. no overtaking according to regulations. 8. do not turn around according to the regulations. 9. switch door. 10. collision normal parking vehicles. 11. other responsibilities.

Both parties have the above offences or have no evidence to prove that one party is fully responsible for the accident. The parties concerned share the responsibility for the accident.

If the vehicle can move in the following circumstances, the party should move the vehicle to the roadside, report the alarm to the traffic police according to the regulations, and wait for the traffic police to deal with: 1. colliding buildings, public facilities or other facilities. 2. at that time, it was thought that it could produce effective insurance policy. 3. the parties are insured against compulsory insurance outside Guangdong province. 4. party escapes. 5. no license plates for motor vehicles. 6. motor vehicle drivers fail to produce motor vehicle driving license. 7. motor vehicle drivers drink. 8. the parties have suspected car crash or fake cards, suspected of false.

Traffic police departments have warned that in order to deal with traffic accidents at any time, drivers are better advised to carry damages agreement with their vehicles.

Insurance reminder:

Real time forensics for mobile phones is very important.

At present, there are 28 quick claims service points for minor traffic accident insurance in Guangzhou area. Insurance companies will entrust public appraisal companies to enter various claims service points to assist insurance companies to conduct on-site investigation. Service points will be introduced into the "vehicle loss identification management system" online platform, when the city's minor accident claims service point will be unified to use the platform to realize accident vehicle detection, damage assessment, nuclear price, online real-time audit and so on.

Guangzhou traffic police detachment Xie Runhong said that the online platform will direct the "spearhead" to all kinds of fake compensation and cheat compensation cases, "because the system will input information about vehicles with minor accidents, and after a certain amount of data accumulation, if the parties find a record of claims in the short term, there will be an automatic reminder of suspected cases of counterfeit claims. At this time, the insurance supervision department will hand over the traffic police. The traffic police department will judge whether there is any suspicion of false compensation according to the surveillance video of the accident. If the evidence is conclusive, it will be handed over to the public security criminal investigation department.

The insurance supervision department reminds us that it is very important to use the mobile phone and other equipment to take photos of the location of the accident vehicle in real time. If there is no evidence at the scene, there is a lack of this step. "It is likely to affect the claim to the insurance company in the future."