How to pay for insurance when a car hits the door of a property in a traffic accident?

If you don't submit the materials within 2 years, you can refuse compensation.

1. Take full responsibility.

You should take full responsibility for the accident caused by not avoiding the straight vehicle when merging the lines. At this time, if you ask the traffic police to write a letter of responsibility, you may be fined. Therefore, the small bump below 500 yuan strongly suggests personal settlement. If you really don't want to pay for repairing the car, you can claim compensation according to the unilateral accident. If the accident is serious, of course, only the traffic police comrades can be found, and then the accident report will be deducted, and both parties will go to the insurance company to claim compensation. If it is your own hand tide reversing into a tree, it is a justified unilateral accident and report it immediately. In a few days, the damage adjuster will come, and he will call you to drive the car to the scene of the accident, and then put the damaged part of the car together with the tree to take a picture, and then the normal damage assessment procedure will follow.

2. The other party takes full responsibility.

Normal driving was suddenly hit by a car overturned from an alley, and the other party claimed full responsibility. The first option is to reconcile with the accident party, and the other party will pay for the car repair on the spot and then break up, and then take time to repair the car himself. This is also the most ideal solution. Some people took the money to repair their cars and went to the insurance company to have a unilateral accident, but instead made money from the accident. Anyway, this practice is not advocated. If you happen to encounter a traffic police comrade who has a big loss, you should actively identify the other party's illegal behavior, and then take the accident car to the other party's insurance company to determine the loss.

3. Equivalence of responsibilities or evasion of "troublemakers"

Mutual responsibility is the best type of accident to solve. Please ask the traffic police comrades to come and make an accident form, and then report the case and claim separately. If the "perpetrator" escapes after a traffic accident, it will be in big trouble. Especially in the case of great losses, it is impossible to have an accident unilaterally, so we can only ask the traffic police comrades to come to the scene for investigation and investigation, and then the insurance company will recover the compensation on their behalf.

Precautions:

In the case of relatively small accident losses, such as the car parked in the community, I don't know who cut it, then you can find a certificate from the property in the community (it is generally impossible to open it, because the toll parking lot has the obligation to ensure that the car is parked in good condition, and the final result is often a dispute between you and the property company and the insurance company), and then go to the insurance company to claim compensation; Of course, the best way is to report the loss of the accident unilaterally.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.