What should I do if I run away without compensation? Analysis of hot topics across the Internet in the past 10 days
Recently, "no compensation for traffic accidents" has become a hot topic. Cases of insurance companies refusing to compensate after the perpetrators have escaped have been exposed in many places, triggering public attention to relevant legal provisions and insurance rules. This article combines the hot data of the entire network in the past 10 days to provide you with an in-depth analysis of the coping strategies of escaping without compensation.
1. Review of hot events
| date | event | heat index |
|---|---|---|
| May 15 | Hangzhou Benz owner was denied compensation after hit-and-run accident | 856,000 |
| May 18 | Insurance Association issues claims settlement guidelines for escape cases | 723,000 |
| May 20 | Lawyers interpret the legal basis of "escape without compensation" | 689,000 |
2. Legal basis for escape without compensation
According to Article 22 of the "Regulations on Compulsory Motor Vehicle Accident Liability Insurance": If a driver fails to obtain driving qualifications, drives drunk, intentionally causes an accident or escapes, the insurance company will only advance rescue expenses within the liability limit of the compulsory traffic accident insurance and has the right to recover compensation from the person causing the injury.
| Insurance type | Will compensation be paid after escaping? | Compensation scope |
|---|---|---|
| Compulsory traffic insurance | Advance rescue fee | Up to 18,000 yuan |
| Commercial third party insurance | Common denial of compensation | 0 yuan |
| car damage insurance | Some companies pay compensation | Need specific terms |
3. Coping strategy of not compensating for escape
1.Call the police immediately: Preserve the evidence at the accident scene and obtain the "Traffic Accident Certification" issued by the traffic police
2.collect evidence: Including surveillance video, witness contact information, vehicle damage photos, etc.
3.Negotiation and mediation: Negotiate compensation with the offending party through the traffic police department or the People’s Mediation Committee
4.legal action: If the negotiation fails, a civil lawsuit can be filed with the court within one year.
5.insurance appeal: If you have any objection to the insurance decision to deny compensation, you may complain or sue to the China Banking and Insurance Regulatory Commission
4. Hot topics of discussion among netizens
| opinion type | Proportion | Typical comments |
|---|---|---|
| Support insurance companies | 42% | "Escape should be severely punished, support the refusal of compensation" |
| Question the reasonableness of the terms | 35% | "How to protect the rights of third-party victims" |
| It is recommended that the system be improved | twenty three% | "A special relief fund should be established" |
5. Expert advice
1.Enhance legal awareness: Clarify the legal consequences that escape will lead to the invalidation of insurance protection
2.Improve insurance configuration: Consider purchasing supplementary insurance such as "motor vehicle third party liability insurance"
3.Make good use of rescue mechanisms: Those who meet the requirements can apply for the Road Traffic Accident Social Assistance Fund
4.Consult a professional lawyer promptly: Complex cases should seek help from legal professionals
6. Latest policy developments
According to a notice issued by the Insurance Industry Association on May 18, each company should establish a rapid handling mechanism for escape cases and open a green channel for third-party victims. At the same time, many places are piloting "escape case information sharing platforms", which is expected to increase the case detection rate and compensation execution rate.
Faced with the dilemma of escaping without compensation, the parties concerned not only need to understand the legal provisions to protect their own rights and interests, but also fundamentally prevent escaping behavior. Traffic safety requires the conscious compliance of every driver. Only by jointly maintaining road order can the occurrence of such disputes be effectively reduced.
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