What should I do if I hit my own car?
Recently, among the hotly discussed traffic accident topics on the Internet, "Hit your own car and hit yourself" has become one of the focuses. Whether you are a novice driver or an experienced driver, you may encounter such embarrassing situations. This article will combine the hot data and practical suggestions of the past 10 days to provide you with structured solutions.
1. Hotspot data on traffic accidents across the network in the past 10 days
| Hot search keywords | peak search volume | Main discussion platform |
|---|---|---|
| Unilateral accident handling | 128,000 | Weibo, Zhihu |
| Insurance claims process | 95,000 | Douyin, Baidu |
| Vehicle self-damage repair | 72,000 | Autohome, understand car emperor |
| Traffic accident with no injuries | 64,000 | Xiaohongshu, Bilibili |
2. Accident scene handling steps
1.keep calm: Immediately turn on the double flashing lights and place a warning triangle 50-100 meters behind the vehicle.
2.evidence fixed: Use your mobile phone to shoot the following content:
- Overall location of the vehicle (including surrounding environment)
- Close-up of the collision area
- Road marks and debris
| Essential shooting angles | Example description |
|---|---|
| 45 degree panorama | Reflect the relationship between the vehicle and surrounding reference objects |
| vertical shot | Show the direction of scratches on the road |
| Detail close-up | Includes license plate and damaged area in the same frame |
3.Contact insurance company: To complete the report within 48 hours, you need to prepare:
- Photo of driver's license/driving license
- Accident scene location
- Preliminary loss description
3. Key data for insurance claims
| Insurance type | Coverage | Deductible |
|---|---|---|
| car damage insurance | Own vehicle maintenance costs | 0-20% |
| Excluding deductible insurance | Exemption from out-of-pocket portion | Need to be purchased separately |
| Unable to find third party | Parking damage | 30% absolute deductible |
4. Maintenance plan selection
According to the statistics of automobile forums in the past 10 days:
| degree of damage | average repair cost | Suggested handling |
|---|---|---|
| slight scratch | 200-800 yuan | Quick repair shop processing |
| Sheet metal deformation | 1500-4000 yuan | 4S shop repair |
| Parts damaged | More than 5,000 yuan | Make an insurance claim |
5. Answers to hot questions
1.Do you need to call the police if you hit a wall?
According to Article 70 of the Road Traffic Safety Law, accidents that only cause property damage can be handled by the parties through negotiation. However, if damage to public facilities is involved, a report must be made to the police.
2.Impact on premiums in the second year
The latest insurance data shows:
- Single claim: premium increases by about 10-20%
- If the claim amount exceeds the benchmark premium: the increase rate can reach 30%
3.Transportation compensation during maintenance
Most insurance companies don’t cover this service, but some high-end auto insurance offers:
- 3-day mobility scooter service
- Daily transportation subsidy of 150 yuan (maximum 5 days)
6. Suggestions on preventive measures
Based on the recently hotly searched topic of "reversing radar blind spots", here are some suggestions:
1. Install a panoramic imaging system (30% price reduction recently)
2. Check brake sensitivity regularly (test every 20,000 kilometers)
3. Purchase a car emergency kit (including emergency blanket, warning lights, etc.)
Through the above structured solutions, we hope to help car owners properly deal with self-collision accidents. Remember that the key is to stay calm and operate in a standardized manner. It is also recommended to pay attention to the annual updates of insurance terms to obtain the latest rights protection.
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