实用必读 通俗解答十种交通事故的处理方式

只要是开车,不可能不发生事故,所以保险是必不可少的,但如何正确使用保险确实是我们值得思考的问题,我整理了十种常见的交通/汽车事故相对合理的走保方式,希望对大家有所帮助。

一、撞车了,对方全责提出私了1500,你死活不干,要求走保险,又是吵又是闹又是折腾,定损2200,修理厂要求2400,自掏200.如果你同意私了,拿1500,报保险自己全责,车照样修好一文不掏白赚1500,第二年保费增加800,赚了700

二、撞伤一人,送医院,被家属打骂,垫医药费8000。回家洗洗脸上的血痕。回头家属要求加10000私了,否则不给你医药发票,保险公司说没发票不给你报销,悲剧。其实你可以不去医院,现场等待交警出具处理意见。垫医药费就说炒股亏了,现在还欠很多外债,等家属告你,告完保险公司全赔,皆大欢喜,你甚至不用出现。

三、撞车了,后面堵起一排车狂按喇叭,对方说我全责,我们退到路边处理,于是停到路边,结果对方马上变脸,说你丫的全责,这时候才想起应该先手机照相。

四、老公指挥倒车,自己一激动,油门当刹车,把老公双腿撞断,打电话给保险公司老老实实的上报,保险公司告诉你,撞自己的老公不陪。其实你可以换个朋友的车撞,你懂的。

五、车子在4s店保养,保养完了,高高兴兴去取车,哦或,倒车时油门又当刹车,撞的稀里哗啦,造成损失4000+,你郁闷的找保险公司,人家礼貌的告诉你,在修理厂发生的事故,俺们不陪。其实你可以换个地方发生事故,比如小区内和某小树发生亲密接触,你懂的。

六、大雨天,早上去happy的去车库取车,发现车库被淹了,顿时泪流满面,赶快上车发动,让自己的车车逃离苦海,一点火,哦或,发动机打不燃。车没逃离苦海,你也进了苦海,4s店告知,发动机进水,报销,损失5w,你兴冲冲的去找保险公司,别个怜悯的看着你,小姐,驾驶员强行打火导致发动机进水,俺们不陪。你不点火,发动机是不会进水的。

七、在车上放了好多好多玩具,什么宝塔啊,香水瓶啊,小熊啊小猪啊。有一天差点撞到一个老太,一脚急刹车,香水瓶飞起来干到玻璃又弹到俺额头上。缝8针,玻璃费误工费医药费精神损失费共计3800,保险公司的接线员笑眯眯的告诉你,被车上物品撞坏不赔:如果车辆被车厢内或车顶装载的物品击伤,俺们还是不陪。

八、周末天气好爽,正在happy的飙车,左方一大货车突然打方向盘甩到你道上和你kiss了一下,你只有一盘子打到花坛上,你小心肝扑通了5分钟才安静下来,一看大货车早没影了,马上打电话给保险员把大货车狂决一顿,并表示想要修车,保险员遗憾的告诉你把负全责的肇事人放跑了不赔:当与其他车辆发生碰撞时,责任在对方,如果放弃向第三方追偿的权利,也就放弃了向保险公司要求赔偿的权利哦亲。其实你可以说,太阳晃花了我的眼,让我上了花坛,什么大货车?没看到,没注意。

九、路上爆胎,左转右转稳住方向,不用打电话给保险公司了,别个不陪。

十、停在楼下,上楼看了一集电视居,下楼一看,4个轮子没了,几块板砖给俺垫着,不用打电话给保险了,别个不陪。

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