There was a car accident at noon yesterday. After getting off the nearest expressway, my parents took the high-speed train with their children and left first. My wife and I stayed to deal with the accident and stayed at the transportation bureau until about ten o'clock in the evening.
There were many accidents during the New Year and there were few manpower. The traffic police were dispatched one after another, giving priority to on-site accidents. It was not until 8 p. m. that they had time to determine specific responsibilities.
Our accident was in a blind spot and there was no monitoring.
The traffic police asked for negotiation first, but they could not directly determine the result based on the traces of the rear-end collision. Negotiation was not possible, and they could only wait a few days before making a detailed identification. So, even though it was an obvious rear-end collision, the car behind still argued for two hours, refusing to recognize whether he was dead or alive.
I asked for a long time why he didn't want to admit responsibility.
He hesitated and talked a lot, but the content was very simple: he was afraid of losing money.
The problem is----
He is fully insured!
I talked it over with him and finally found out what the car behind me was worried about.
He thought that if he accepted full responsibility, he would also have to pay for it.
I said, it's all covered by insurance, and the full liability is the same as the main liability.
He pondered for a long time and asked slowly, "What should I do if the insurance doesn't pay me?"
Me:
Speechless.
After giving him a lot of popular science, the traffic police also explained various issues to him in detail, allowing him to understand the insurance situation, and finally the matter was resolved and the matter was over.
What's interesting is that.
At the traffic bureau, there was another pair of people.
It was also a rear-end collision, and the car behind was fully responsible. There was surveillance video, and the responsibility was very clear.
However, the car behind you only has compulsory traffic insurance, and it will not be approved or signed.
Hou Che's quotation is as follows. "If you have insurance, then you can pay for it. You don't have to pay for it. At worst, I will pay a few hundred yuan for you. It will be more than the increase in your premium, and you will still make money."
"Brother, don't worry. I'm talking to you nicely. My tone is so fierce. Do I want to solve the problem?
"Look at you, you're so impatient. Let's have a nice chat."
"What? The fixed loss is fifteen thousand?."
"Funny, how much does your whole car cost? Just tell me the number and I'll buy it for you!"
"Two hundred thousand? Why don't you go and rob it of your shabby car?"
"Five thousand at most, no more."
"Oh, if that doesn't work, then you can sue me!"
"Subrogation? What is this? We have to pay more ------ let me think about it----"
"Brother, I don't really understand these things. It's the first time I've encountered this kind of thing. I apologize to you, but fifteen thousand is too much."
"It's not easy to celebrate the New Year, and we have children here----"
, in short, I ended up paying 9,000 for the second car.
I saved 6,000 yuan and will be smiling when I go back.
During the whole process, the car behind was acting like a knife, dragging hard, irritating the car in front, and finally apologizing and playing emotional cards at the speed of light. The car in front was in a hurry, and the owner was too anxious and couldn't hold his breath. In the end, he couldn't stand the person who kept pleading for mercy.
It's really interesting.
A person who knew nothing about insurance bought full insurance.
A person who knows the insurance mechanism very well pretends to be confused and eloquent, but he only buys compulsory traffic insurance, and if it were not for compulsory traffic insurance, he probably would not buy it.
Then there are other situations.
It's really all kinds of things and has everything you want.
I have seen a lot of plots in novels that appear to be witty or outrageous.
No more to say.
Updates will probably resume tomorrow.
We towed the car back to our home for repairs, so we took our own car and towed us back together. But - the experience of riding in a tow truck was something I didn't want to have again. The bones on the road were about to fall apart, and I was already exhausted.
Finally, I wish you all a safe journey when traveling.