What to Do in Case of a Traffic Accident?

[DeThomas]

If the vehicle involved in a traffic accident flees the scene, the victim should immediately report to the police and seek their assistance in locating the perpetrator. In cases where the responsible party cannot be identified, if only the vehicle is damaged, the vehicle owner or policyholder can directly report the incident to the insurance company. Within the validity period of the vehicle damage insurance, they can file a claim with the underwriting insurance company. Generally, insurance companies will compensate approximately 70% of the direct economic losses according to the contract. Below are some related tips for driving precautions: 1. Strictly adhere to traffic regulations: According to traffic department statistics, over 80% of traffic accidents are caused by violations of traffic rules. Traffic regulations are derived from the lessons and experiences of 'predecessors.' Following traffic rules is one of the most important considerations for novice drivers, as it can significantly reduce the probability of traffic accidents. 2. Remember to check tires: High temperatures and high speeds can easily lead to tire blowouts, which may cause loss of control and result in accidents. Before traveling, carefully inspect all four tires, and it's best to have the tire pressure adjusted at a professional repair shop. Especially, do not forget to check the spare tire to ensure it is intact and properly inflated. In case of a tire blowout while driving, avoid slamming on the brakes, as this can cause the vehicle to spin out of control. Instead, firmly hold the steering wheel and gradually slow down to pull over.

[LaCecilia]

Lessons I learned from the rear-end collision: First, don't panic, immediately turn on the hazard lights and place the warning triangle 100 meters behind the car. If someone is injured, call 120 right away. Remember to take panoramic and detailed photos with your phone, clearly capturing the other party's license plate and documents. After reporting to the police, never move the vehicle while waiting for traffic officers, but do note down the other party's contact information. Many insurance company apps now allow direct video assessment for damages, but cases involving injuries still require formal procedures and accident reports. Oh, and on rainy days, make sure to clearly photograph the road markings in your pictures, as these often become key evidence in determining liability.

[VanLawson]

My experience with three minor scratches is: First, ensure your car can move and pull over to avoid secondary accidents. Don't rush to argue with the other party; instead, take a 360-degree video immediately, focusing on collision marks and road conditions. When calling 122 to report the accident, clearly state whether there are any injuries, as this affects the handling process. Remember to exchange photos of driver's licenses and insurance information, and verify the other party's electronic insurance policy from their insurer. Nowadays, many insurance claims can be submitted online, but if liability is unclear, it's advisable to wait for traffic police. Contact your own insurance company to file a report within 48 hours of the accident.

[OKyle]

As a female car owner, the most dreaded situation is encountering an accident, but experience is the best teacher. After stopping the car, first check if you and your passengers are injured—even back pain warrants a hospital certificate. When taking photos, start by capturing the overall positional relationship of the accident scene, then take close-ups of the collision points from various angles. Don’t just photograph your own car; include surrounding traffic signs and skid marks. Activate your phone’s voice recording to document conversations with the other party, especially if they admit fault. Remember to check your dashcam footage, as some models automatically save recordings after a collision.

[AlejandroAnn]

What I learned from being rear-ended last time: First report your license plate number and location to the traffic police, they will guide you on what to do. Never settle privately if someone is injured—my friend learned this the hard way. After getting the accident report, go to the hospital immediately for a full-body checkup, as some injuries only appear the next day. Exchange copies of ID cards and driver's licenses with the other party, and verify phone numbers by calling them on the spot. File an insurance claim within 48 hours—now companies like PICC and Ping An can handle it via WeChat, and you can even apply for medical expense advances from the insurer. Keep all receipts, and remember that lost wages require proof from your employer.

[LaPiper]

New drivers often panic after an accident. Remember three steps: if the car can move, pull over to the emergency lane and open the trunk as a signal; hazard lights must be turned on, and wear a reflective vest at night; place warning signs 50 meters away on regular roads, and 150 meters away on highways. When taking photos, include road signs as references—take four panoramic shots (front, back, left, right) and two close-ups of the collision area. If the other party is uncooperative, avoid arguments and only exchange basic information before the police arrive. When contacting your insurer, mention any aftermarket parts, as this affects claims. It’s best to invest in a dash cam with parking surveillance—it can provide unexpected help in determining fault.