For general traffic accidents, it is not recommended to insure the loss not exceeding 1000 yuan. If the loss exceeds 1000 yuan, don't think too much. Please report it quickly, because the premium will not be higher than 1000 next year, and it is not cost-effective not to report it.

Traffic accidents are generally divided into unilateral accidents, bilateral accidents and multi-party accidents.

A unilateral accident is an accident caused by improper operation. No matter what you hit, as long as it is stationary, people and cars are unilateral accidents, and so are animals.

An official said: "I hit someone else's house and it collapsed." Is it also a unilateral accident? "

Yes, as long as no one is injured in the room, it is a unilateral accident!

In dealing with unilateral accidents, as long as the loss is not great, you can tell the insurance company surveyor: take pictures and deal with them yourself!

Don't ask why. This is convenient! Even if it hasn't been reported for a few days, haha.

But if the loss is large, the other party needs compensation. Please don't smash all the goods in other people's shopping malls, take pictures by yourself.

Accidents of both parties may cause the insurance company to fail to inspect the site in time for various reasons, but don't worry, as long as the traffic accident liability is determined, the insurance company will make the same compensation.

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Many friends don't have a clear price estimate for the compensation after the accident. Here's a brief explanation. Take the 4S shop as the price scale, please keep it for later use: 1. Vehicles with a value of about/kloc-0.00 million: front and rear bumpers: 300-400 full spray, 150-200 half spray (both sides are half spray, and the middle part needs full spray). Two damaged or missing bumpers connecting the side of the fixing hook need to be replaced, and the torn hole can be repaired if the area is not large. Plastic repair should not exceed 100 according to the difficulty and area increase.

Front leaf plate: painted 300-400, deformation needs to increase the cost of sheet metal, generally not more than 100, and can be repaired without dead angle and damage.

Front and rear doors: paint 350-400. The cost of sheet metal deformation needs to be increased, generally not exceeding 200, and can be increased to 300 in serious cases, because the sheet metal needs to be removed inside the door and can be repaired without dead ends and damage.

Rear leaf board: that is, the side wall, the painting cost is the same as that of the front leaf quilt, and the slight deformation will increase by no more than 200. But if it is dead or damaged, it will be very troublesome to replace it. Before cutting and replacing the damaged surface, the interior of all damaged surfaces, including the interior of the trunk, must be disassembled. It is not recommended to settle this serious situation if it is dead or visible to the naked eye.

Replace the side wall.

Threshold: paint 100-200, and the repair shall not exceed 200. As long as it is not too serious, it is not recommended to replace it. If it can be repaired, water may enter after cutting.

Cover plate and trunk lid: paint 300-400, and repair no more than 300. If there are dead corners or missing parts, they need to be replaced. In particular, the corners of the trunk lid are mostly sandwiched, and the dead corners must be replaced.

If it is in an ordinary repair shop, one side does not exceed 300.

2. Vehicles with a value of more than 200,000: each paint position is increased by about 200.

3. Vehicles with a value of about 500,000: there will be an extra charge of 200 pounds for each paint surface.

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4. Vehicles with a value of about1000000, with paint ranging from 800- 1600, need to be accounted for according to the model, and it is not recommended to settle them privately. If it doesn't exceed 600-800 in an ordinary repair shop, you can simply calculate that10-300,000 paint needs 200-400, and 300-500,000 paint needs 300-500, so the price of a small area will be relatively reduced.

Note: Many car covers worth more than 300,000 yuan are made of aluminum alloy. Once they are deformed or damaged beyond repair, they can only be replaced. When you settle down, do you have to contact the 4S shop first? Ask clearly before making a decision.

Do you have anything to add? Please leave a comment below. Thank you!

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