Title: How to get insurance if you reversing your car
introduction
In the past 10 days, hot topics on traffic accidents and insurance claims have continued to heat up across the Internet, especially "reversing accidentally crashing" has become the focus of discussion. Many car owners are in a panic and don’t know how to deal with the subsequent insurance process. This article will structure the analysis of insurance claims steps after reversing accidents based on recent hot topics and provide practical data references.
1. Common causes of reversing accidents (based on hot cases across the network)
| Ranking | reason | Percentage |
|---|---|---|
| 1 | Blind spots not observed | 43% |
| 2 | Stepping on the accelerator by mistake | 28% |
| 3 | Relying on reversing images to ignore rearview mirrors | 19% |
| 4 | A third party suddenly appears | 10% |
2. Five core steps after the accident
1.Stop immediately and protect the scene: Turn on the double flash lights and place a triangle warning sign (50 meters of urban roads and 150 meters of highways).
2.Key contents for evidence collection: Take panoramic photos, close-ups of the collision part, information about the other party’s vehicle and surrounding environment.
3.Negotiation responsibility determination: There is no need to call the police for unilateral liability accidents, but they need to report the case to the insurance company within 24 hours.
4.Insurance report material list:
| Necessary materials | Supplementary materials |
|---|---|
| Driver's license/driving license photo | 4S store maintenance valuation list |
| Photos of the accident scene | Driving recorder video |
| Front and back of ID card | Traffic Police Responsibility Certificate (if there is any dispute) |
5.Loss determination and maintenance: The insurance company recommends that the repair shop can usually directly compensate, and you must advance payment and then reimburse it at your own choice.
3. Different claims for different insurance types
| Insurance Type | Whether to pay for a reversal accident | Deductible Instructions |
|---|---|---|
| Compulsory traffic insurance | No compensation for losses to this party | Only compensation for third parties |
| Vehicle damage insurance (after 2020 reform) | Full compensation | Need to purchase without compensation |
| Third party liability insurance | not applicable | Effective only for third parties |
4. Answer questions about hot related questions
Q: Can I compensate if I reverse the car and hit the wall/post?
A: It is a unilateral accident. The vehicle damage insurance can be fully compensated, but the premium may increase by 10-20% the following year.
Q: Can I still apply for insurance after a private settlement?
A: Re-reporting the case within 48 hours and a written private settlement agreement is required.
Q: Are there special requirements for new energy vehicle reversing accidents?
A: Additional battery pack inspection report is required, and some brands require official repair points to determine damage.
5. Reference for the latest claims data in 2023
| project | average value | Floating range |
|---|---|---|
| Reversing accident claims time limit | 3.7 working days | 2-15 days |
| Body sheet metal paint cost | 800 yuan per face | 500-2000 yuan |
| Radar/image repair costs | 1500 yuan | 800-4000 yuan |
Conclusion
According to hot cases across the network, 70% of reversing accident claims disputes stem from insufficient evidence or wrong process. It is recommended that car owners save the insurance company's report phone number on their mobile phone, and keep calm after the accident and follow the steps. The "Video Quick Response" services (such as Shenzhen Traffic Police Mini Program) launched by many places recently can greatly improve processing efficiency and are worth paying attention to.
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