What should I do if I hit a luxury car? Analysis of hot topics on the Internet in the past 10 days
Recently, the topic of "extremely high compensation for a luxury car being hit" has once again sparked heated discussion. This article will combine the hot data of the entire network in the past 10 days to provide you with a structured analysis of the entire incident handling process and provide practical suggestions.
1. Statistics of hot events involving luxury car accidents in the past 10 days
| date | event | Amount involved | Hot search ranking |
|---|---|---|---|
| May 20 | Delivery boy crashes into Rolls Royce | The repair cost is estimated at 800,000 | Weibo hot search No. 3 |
| May 18 | Hangzhou Tesla crashes into 5 cars, including 2 Porsches | Total losses exceeded 2 million | No. 1 on Douyin Hot List |
| May 15 | College student rents luxury car to shoot video, causing accident | Ferrari repair cost 600,000 | Baidu hot search No. 5 |
2. 7-step method for handling accident scenes
1.Stop now: Turn on the double flashing lights and place a triangle warning sign (50 meters on urban roads, 150 meters on highways)
2.Personnel rescue: Check the casualties and call 120 immediately (priority to accident handling)
3.evidence fixed: Take photos with 5 elements (panorama, collision point, license plate, road signs, skid marks)
4.Alarm handling: Dial 122. If there is a luxury car accident, it is recommended to directly ask the traffic police to attend the scene.
5.Insurance report: The crime must be reported within 48 hours. Compensation may be refused if exceeded.
6.information record: Copies of the other party's driver's license, driving license, and insurance policy (to prevent "top-up")
7.Evacuate the scene: Move the vehicle promptly after completing evidence collection to avoid secondary accidents
3. Response plans for different insurance situations
| insurance type | Compensation scope | Things to note |
|---|---|---|
| Compulsory traffic insurance | Property damage up to 2,000 yuan | Luxury car maintenance is a drop in the bucket |
| Third party liability insurance | Compensation will be paid according to the insured amount (recommended starting from 1 million) | It is important to exclude deductible insurance |
| No insurance | Pay the full amount out of pocket | Negotiable installment payment |
4. Three Tips for Compensation Negotiation
1.Be careful before determining responsibility: Do not take the initiative to admit full responsibility and wait for the traffic police to issue an "Accident Determination Letter"
2.Negotiation of maintenance plans: 4S shop repairs are the most expensive, but you can negotiate with a regular repair shop (the car owner’s consent is required)
3.Legal remedies: You can apply for a third-party evaluation of a sky-high repair order, and the court may adjust it during litigation.
5. Reference for luxury car maintenance costs in 2023
| car model | Headlight replacement | Front bumper replacement | door replacement |
|---|---|---|---|
| Mercedes Benz S Class | 80,000-120,000 | 60,000-80,000 | 100,000-150,000 |
| Porsche 911 | 150,000-200,000 | 120,000-180,000 | 200,000-250,000 |
| Rolls Royce Ghost | 350,000-500,000 | 250,000-400,000 | 500,000-800,000 |
6. Expert advice
1.Insurance upgrade: First-tier cities recommend increasing third-party insurance to RMB 3 million, with annual premiums only RMB 500-800 more.
2.defensive driving: Keep a safe distance of more than 5 meters when encountering luxury cars, and pay special attention to the blind spots of electric cars
3.legal preparation: Keep proof of your income. The compensation awarded by the court may refer to local income standards.
4.psychological counseling: The sky-high compensation is stressful, so you can seek professional psychological consultation (free services are available in some cities)
As of May 22, data show that an average of 37 luxury car accidents occurred nationwide every day, an increase of 15% from the same period last year. Drivers are advised to check their insurance coverage regularly, stay calm when encountering an accident, and handle it in accordance with the law and regulations.
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