What should I do if the injured person is not discharged after taking out traffic accident insurance?

1. If someone is injured, you should call the police immediately. The telephone numbers are 1 10 and120 (within 48 hours, if you don't make a claim, you'd better report it at the scene. Don't drive people to the hospital by yourself. If the injured person dies, you are finished. The traffic police will detain the car and take the compulsory insurance policy. If the injured person wants to be hospitalized, it will be 66. Don't pay a penny with a receipt of 65,438+0,000 yuan, or find an invoice (reimbursement certificate) on the wall of the nurse's office, don't even think about it. Although the road rescue fund and the public security department have issued a notice to let insurance companies pay medical expenses in advance when the perpetrators are unable to pay, it is best not to take this step. It is impossible to be too tough not to pay in advance. At the beginning, it is easy to intensify contradictions. If you are beaten to pieces, you asked for it. Generally no one sympathizes with doctors.

The personal injury expert of insurance must contact him, and he must come to the hospital. In the meantime, he should contact him many times. He should call the personal injury specialist to ask for any examination, medicine and materials, and point out that now he is a rescuer, and your personal injury specialist will decide what medical insurance and non-medical insurance are needed, otherwise it will be annoying to reimburse him. You'd better call 120, so you can save your own car and get a good invoice for ambulance expenses.

3. The injured will pick up the car from the traffic police team with the disease diagnosis certificate issued by the hospital after completing the hospitalization procedure. Generally, he will pay thousands to tens of thousands of deposits. Generally, he will pay the money to the designated bank to see the situation of the injured. After paying the money, he can go to the parking lot to pick up the car (reimbursement of the invoice for rescue expenses). The money is used for the treatment of the injured. When reimbursing, the traffic police team will give you money or an invoice. Don't think that you can handle traffic accidents without paying money and parking fees. I'm really excited to be with you. Check your car license plate, lights, triangle fire extinguishers, etc. according to law. Stealing and robbing cars can also check your fun. Unless you don't drive locally, there will be a trick against you.

4. After being hospitalized, the injured can go to the traffic police team to get the accident certificate and find insurance to repair the car according to the situation! You are generally responsible for colliding with the weak, and you know the reason! If no one dies and no vegetative person is paralyzed for life, it is better to take full responsibility and handle it conveniently, because it is not necessary that N% is the other party's responsibility, so you have to bear 10% responsibility without responsibility. If there are heavy casualties, you must never admit responsibility at random, otherwise it will be astronomical and criminal responsibility. Of course, in this case, the police will carefully determine the responsibility, and you also have the power of administrative reconsideration. Don't take full responsibility for the collision between two cars! Unless the brain is broken, the full responsibility is only for the weak such as pedestrians and non-motor vehicles! Generally, it collides with the weak, and the basic sentence is also full responsibility! You have insurance, he doesn't, you are a motor vehicle, he is a non-motorcycle, in order to save trouble! For peace of mind! Harmony is that simple! Of course, you should feel that it is not good to take full responsibility! You can also deny full responsibility! Different people have different opinions!

Don't be idle when the injured are in hospital. To visit the injured. The injured person will not have a good impression on you because of your visit, which will reduce your compensation. This is stipulated and impossible. If you can't get it, it will be counterproductive. I think you are timid and easy to talk to. Of course, if you bump into friendship and are ready to make friends, that's another matter! After the injured are discharged from the hospital, they usually go to the traffic police team to deal with them. The handling of the traffic police team is actually mediation, which is actually harmony. If you screw up the case, you won't agree. You signed a mediation agreement and basically agreed to pay a lot of money yourself. Generally, it takes a long time to feed and miss work. Your going to the insurance company will not be recognized, because this is your own commitment, and the payment is certain. There is a 1 clause in the three liability insurance clauses: without the written consent of the insurer, the insurer has the right to review the compensation amount promised or paid by the insured, and the insurer will not bear the compensation amount that is not within the scope of the insurer's compensation or exceeds the amount payable by the insurer. .

6. Don't think that the mediation of the traffic police team is useful, and the insurance is basically not recognized. It stands to reason that the money was paid by the insurance company. Why don't insurance companies go to the traffic police team to mediate together, because insurance going to the traffic police team will face triple pressure from you, the injured and the traffic police team. You buy insurance to pass on the risk! But insurance is not stupid, he will still pass the risk on to you and won't go to the traffic police team! And once you sign the mediation agreement and then go to the insurance company for reimbursement, the insurance company will clean you up like a play, and will come up with the above terms and the inspection fee for each item. You must take care of the money for that stroke once.

7. If you don't agree to mediation and ask the other party to sue, you will definitely not mediate. If you encounter unreasonable troubles, you will get 1 10, and the court will award you 100000. The insurance company will not dare to pay 1 point. Tell the other party clearly that if you are connected and have the ability to act, you can go to the insurance company, so that the insurance company can lose more money. Of course, if you lose too much, you can get points.

8. In traffic accidents without heavy casualties, the court generally does not hold a court session, which is also civil mediation. However, this kind of mediation is not limited to the management of the traffic police force. It is a mediation agreement signed by full-time lawyers of insurance companies and the injured and their agents or lawyers. The owner just sat and watched the hot spots. In fact, they are all old acquaintances, and all lawyers who have been engaged in traffic accidents all the year round know them. It depends on the bargaining between the insurance company and the injured and their agents in court like buying food, mainly about the length of nursing and the lost time. Generally, it is required to issue a certificate of lost time and a tax payment certificate. The injured I met before, it is estimated that the unit did not deduct the money, nor did it prove that the insurance company's lost time expenses, nursing expenses, transportation expenses and nutrition expenses were calculated according to the urban hukou. Of course, like any serious fracture surgery, there is a disability level, but it depends on the insurance company. In other words, the insurance company can give more or less. After the negotiation, you will sign for approval, and all related car maintenance and treatment expenses will be handled by the insurance company's lawyers. Finally, when the insurance company pays the money to the court account, you can get back your car repair money or advance medical expenses, and the injured person can get back the corresponding compensation, each with his own money and in his own way.

9. Generally in court, the lawyer of the insurance company will fool you. What insurance is wrong, excluding deductible, you didn't buy it. If you want to pay much, you have to take out the insurance policy and check for yourself. You still need to understand the basic knowledge. Otherwise, you are a stupid bird, and it is easy to cheat you into paying for it yourself. If you really don't buy it, this can also be discussed. Don't listen to what the lawyer says. You have no right to decide, and you have no right to decide that the insurance company wants him to come to the court to watch the fun.

10, the insured amount, excluding deductible, can not be fooled, that is, medical insurance and non-medical insurance will fool you into paying, take out the hospitalization list and take a look at how much you want. This is not medical insurance. If you want to say what you did in the second item before, leave all the responsibilities to the insurance company. Insurance was originally bought to pass on risks! In order to rescue the injured, medical treatment and examination are decided by the doctor. You can't decide, nor dare you delay the treatment of the injured. This is a matter between the personal injury Commissioner and your insurance company. The money is paid by your insurance company, so you have the obligation to supervise and standardize the drug use and inspection, which has nothing to do with the owner. What is the basis for insurance companies to provide non-medical insurance? There is no distinction between medical insurance and non-medical insurance in the Provisions on Handling Procedures of Traffic Accidents and the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Personal Injury Compensation Cases, and litigation insurance will basically lose! Of course, there are other ways to avoid or reduce the cost of non-medical insurance. Think for yourself!

165438+

12, there will be a lot of trouble after personal settlement! It's easy to give money. Come back later and ask for money! It's crazy to basically break a bone without going through the court. Now that prices are soaring, it is normal for thousands of people to have surgery on fractures! It is easy to get the disability level, and it is tens of thousands! If you have brain injury, you can't solve it without six-figure surgery! You can't afford it!

13. Usually, if you meet someone and give them a few hundred dollars, you can call for insurance. If you are really free, you can play slowly! Compulsory traffic insurance is not responsible for paying medical expenses 1000 yuan! Personally feel that the cost performance is low! There is a driving recorder that feels obviously touching porcelain and resolutely calling the police!

12. The aforementioned Class A clause bears the judicial signature fee, lawyer's fee and legal fees. This is an old calendar, and now you must buy special insurance for legal expenses.

13, excluding deductible means paying 100%. If you don't buy it, you must bear part of it yourself according to the corresponding responsibilities. If you think you have to buy it. Car damage insurance repairs your own car, and the three liability insurance repairs the other party's car and the person's car (there is not much difference between the premiums of 30 and 50, with a difference of 200,000 to 300,000, but the insurance amount is 200,000 more. I feel that the current liability insurance for the three is not enough. I've seen my motorcycle accident, skull fracture and arachnoid hemorrhage finally settled with disability compensation. He insured 200,000 yuan, and eventually posted hundreds of thousands), and the people insured by drivers and passengers, whether classmates or friends, were useless. You must pay for the accident. In case you bring 4-5 people, the medical expenses for compulsory insurance are only 65,438+0,000, and there is no need for liability insurance for the three. Don't borrow the car easily! A3 is tens of thousands of yuan. The cost of hitting people is hard to say. Generally, you have to bear joint responsibility!

14, no one was injured in the motor vehicle collision. Generally speaking, this car has not been impounded. This is a rapid treatment or damage assessment center. I applied for insurance, and I took the accident certificate to repair the car. If I meet an unreasonable person, then 1 The first thing is to deal with the traffic police, the second is to find the unit to find him or the leader, and the third is to bring a lawsuit directly to the court!

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