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Home / Uncategorized / 当交通事故发生应当如何妥善处理:

当交通事故发生应当如何妥善处理:

Posted by Atlanta MY Insurance Group on June 8, 2018

(亚特兰大杨玫保险事务所温馨提示)

 

  • 拍照

确保车内所有乘客无生命危险,安全的前提下对车子和当时的情景进行拍照记录。比如,双方车子在事故现场的位置(防止对方跟警方狡辩事故发生原因带来不必要的麻烦)以及双方车子损坏的位置(有必要时可以作为证据提供给保险公司和警察做记录)。

  • 报警

最短的时间内报警,说明事故发生的地点,原因和伤亡程度(因为警方会根据车内乘员的伤亡程度决定要不要带救护车和火警来救援)

  • 交换双方信息

最好双方交换一下保险卡,电话号码,方便以后跟保险公司理赔提供一定必须的信息(一般警察开的报告上都会有)。

  • 跟警察如实说明当时情况

事故发生的原因,和经过以及造成的身体的感受都要跟警察及时报告说明。如果身体需要看医生,可以在警察作报告时说明。警察会给一个小卡片,上面注明警察的名字,工作号码,以及报告号码

  • 与保险公司联系理陪

拿到警察报告以后(警察报告一般要等2-3个工作日)跟保险公司联系理赔(如果是对方的错,就要联系对方的保险公司;如果是自己的错,全保的保险,可以联系自己的保险公司),要理赔号码。通常情况下保险公司会指定一个理赔员随后和你联系, 同时会给你理赔员的联系电话,一定记录下来以后方便联系,然后拿着保险公司给的信息去修车行进行估价,修车。如果随后有任何身体不适也要随时告诉理赔员或者保险公司。

(建议跟保险公司理赔前,先了解自己保险的自付额,如果损伤在自付额以内,完全可以自己处理,没必要让保险公司记录,如果损伤所消费超过自付额,可以打给保险公司理赔)

 

事故发生后无法正常活动的情况下:

 

老老实实呆着别动等待救护车和警方的救援,其他事项都跟以上相似。

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