What should I do if I drive into a street lamp in a residential area?

There are two situations when a car hits a street lamp in a residential area:

First, the vehicle is not insured. At this time, only the owner will negotiate with the property management and handle it at his own expense. ?

The second is vehicle insurance; At this time, waiting for the bus is mainly the first time to report the insurance. This is a bicycle accident and need not be reported to the traffic control department. ?

After the insurance company arrives, it will negotiate with the property management to compensate for the street lamp, and the owner can ignore it. For the damage of the vehicle, you can claim compensation by insurance, and the procedure is as follows:

First, on-site processing?

1. If the loss is small (less than 1 10,000 yuan), the insurance company will send people to the site for investigation and issue a survey report. ?

2. If the loss is large (more than 10,000 yuan), if the surveyor thinks it necessary to report it to the traffic police, he will report it to the traffic police department, which will go to the scene to investigate and collect evidence and issue an accident certificate. ?

Second, the fixed loss repair?

1, the owner will send the vehicle to the loss assessment center and notify the insurance company to assess the loss. ?

2. The garage repairs cars. ?

3. The owner picks up the car. ?

Third, submit the claim documents?

Claim: Collect claim information and submit it to the insurance company for claim settlement. ?

Fourth, loss adjustment?

After receiving the complete claim documents, the insurance company will make adjustments to determine the final compensation amount. ?

Every time you drive, you should form good habits and carefully check the safety of the vehicle.

1, check whether the vehicle oil, brake oil, gasoline and cooling water are normal; Whether there is leakage.

2, check whether the vehicle braking system is in good condition and effective; Whether the air pump and air storage tank are leaking; Whether the tire pressure is normal; Whether the tire fastening screws are loose; Whether the spare tire is intact.

3. Check whether the vehicle direction light, brake indicator light, lighting lamp, wiper and horn are normal.

4, check whether the vehicle steering system is in good condition and reliable.

5. Record the inspection situation, report and repair the problems in time, and it is strictly forbidden to have "sick cars".