当车祸发生时,无论是司机还是伤者,都可能会因为缺乏对处理交通意外的了解,而面临种种困难,甚至可能会和对方发生冲突。
那么,我们究竟应该如何应对,如何将自己的损失降到最低,从而使自己的利益得到最大程度的保护呢? 下面就请跟随小编一起来学习如何正确应对车祸吧!
一、司机
作为司机一方,发生车祸后,首先要沉着冷静,千万不能逃逸,现在车辆绝大部分都投有保险,大部分的赔偿款都会由保险公司来承担。
可是如果发生逃逸,不仅会承担全部责任,保险公司也可以拒绝理赔,更有甚者可能会因为逃逸而被判刑坐牢。
●如果是没有人员伤亡的轻微事故,可以通知保险公司,对车辆进行拍照后,走快速理赔程序。损失没有超过2000元的可以走交强险自赔,迅速驶离现场,避免二次事故发生,切不可 逞强斗气。
●如果发生人员伤亡等较严重事故,需要立即停车,放置三脚架,报120急救,报警,报保险,俗称“三报”。时常有司机在发生事故时因救人心切,用自己的事故车辆将伤者送往医院,结果却被交警以未保护现场为由定了全部责任。
因此,正确的做法是尽量避免用事故车辆抢救伤员,如果非用不可,一定要对事故现场拍照,并做好现场标记。
二、伤者
作为伤者一方来说,一方面是治好伤,另一方面就是拿到合理赔偿。受伤之后在积极治疗的同时,就需要争取有利的事故认定,以便为后期的赔偿打好基础。
因此在发生车祸后需要及时报警,请交警部门对事故现场进行认定,出具事故认定书。
事故认定书是这个赔偿中的重中之重,如果交警部门无法对事故进行认定,没有争取到有力的事故认定,事故责任没有划清,就很难与保险公司或者车主就赔偿问题谈拢,即使走到法院,法院一般会让伤者与司机各担一半责任。
原创文章,作者:cesifu,如若转载,请注明出处:http://www.cesifu.com/article/24481.html
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