What should I do if my car is hit? Popular topics and response guides on the Internet in the past 10 days
Recently, topics related to traffic accidents have continued to ferment on social media and news platforms, especially around the "process of handling a vehicle after being hit", which has triggered widespread discussion. This article will combine hotspot data from the entire network to sort out scientific response plans for you.
1. Top 5 traffic accident hot topics on the Internet in the past 10 days
| Ranking | Topic keywords | Number of discussions (10,000) | Main platform |
|---|---|---|---|
| 1 | Liability determination for non-contact accidents | 28.6 | Weibo/Douyin |
| 2 | New energy vehicle maintenance costs | 19.3 | Zhihu/Understanding Car Emperor |
| 3 | Subrogation recovery process | 15.8 | Baidu knows |
| 4 | Driving recorder evidence collection techniques | 12.4 | Station B/Auto Home |
| 5 | Insurance fast claim settlement channel | 9.7 | WeChat community |
2. Six-step method for handling accident scenes
According to the latest "Motor Vehicle Traffic Accident Handling Regulations" issued by the traffic police department, it is recommended to follow the following procedures:
| steps | core operations | Things to note |
|---|---|---|
| 1 | Stop immediately to protect the scene | Turn on the double flash and place the triangle card |
| 2 | casualty handling | Dial 120 first aid first |
| 3 | evidence fixed | Take panoramic/detail/license plate photos |
| 4 | Alarm filing | 122 alarm needs to indicate the specific location |
| 5 | Insurance report | Valid within 48 hours |
| 6 | Responsibility determination | Wait for the traffic police to issue an accident certificate |
3. Key data for insurance claims
According to data from the China Banking and Insurance Regulatory Commission in the third quarter of 2023, there are significant differences in claims settlement efficiency under different circumstances:
| Claim type | average aging | success rate | focus of controversy |
|---|---|---|---|
| Unilateral accident | 3 working days | 98% | Reasonableness of maintenance projects |
| The responsibilities of both parties are clear | 5 working days | 92% | Proportional division of responsibilities |
| hit and run | 15 working days | 76% | completeness of evidence |
| No-liability subrogation | 20 working days | 68% | The other party has incomplete information |
4. Hot case warnings
Recently, the "Tesla was hit and refused compensation case" in Hangzhou has attracted attention. The car owner failed to take a photo of the other party's original driver's license in time, causing the insurance company to refuse compensation. Special reminder:
1.5 pieces of evidence that must be collected: Copy of the other party’s driver’s license + driving license + compulsory traffic insurance policy + on-site video + traffic police contact information
2.New types of disputes: The division of responsibilities when the intelligent driving system intervenes, additional system logs need to be saved
5. Maintenance selection suggestions
According to data from the Automobile Industry Association, the pros and cons of different repair channels are compared as follows:
| Channel type | average price | Warranty period | Suitable for the situation |
|---|---|---|---|
| 4S store | higher | 2 years | New cars/high-end cars |
| Insurance company cooperative store | medium | 1 year | Quick claims settlement |
| Third party repair shop | lower | 6 months | Out-of-warranty vehicle |
6. Special reminder
1. The new regulations in 2023 emphasize:Failure to evacuate the scene of minor accidentsWill face a fine of 200 yuan
2. Note for new energy vehicles: Damage to the battery pack must be detected by the manufacturer’s authorized point, otherwise the three-guarantee rights will be lost.
3. Popular rights protection channels: WeChat public accounts of traffic police in various places have been openedAccident progress queryFunction
Through systematic response processes and key data references, legitimate rights and interests can be protected while misunderstandings in rights protection can be effectively avoided. It is recommended that car owners collect this article and check the working status of the driving recorder regularly.
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