没有人希望卷入车祸。但是它可以眨眼间发生 - 无论是您的错还是别人的错。
大多数人说他们知道下一步该怎么做，直到发生在他们身上。通过我们的帮助指南为此页面添加书签，并为最糟糕的情况做好准备。
如果您有AA汽车保险，您可以跳到我们事故辅助指南求助。
事故发生后立即
- 尽快停止汽车 - 不这样做是一种犯罪。
- Turn off the engine.
- 打开危险灯。
- 检查对您自己或乘客的任何伤害。
- 如果是小碰撞，并且有没有伤害，请记下它，以防其他人后来试图索赔伤害。
- Call the police and an ambulance immediately if anyone is hurt or if the road is blocked.
- Try to remain as calm as possible – its normal to be shaken after an accident, take a few deep breaths and try to take stock of the situation the best you can. And don't lose your temper.
- 在您完全意识到发生了什么之前，不要道歉或承认对事故的责任 - 如果这不是您的错，这可以保护您免受责任。
我什么时候应该打电话给警察？
- If the other driver or drivers leave the scene without giving details.
- 如果您认为其他驾驶员没有保险或受饮料或毒品的影响。
- 如果您怀疑另一个驾驶员故意造成碰撞。
Tell the police about the accident within 24 hours – if you don't you may be given a fine, points on your licence, or a disqualification from driving.
交换汽车细节
- Share your name and address with everyone involved if the accident caused damage or injury – the law says you must do this.
- 与其他驾驶员交换保险信息和详细信息。
- Take down details of any other passengers and witnesses to the accident.
- 尝试找出另一个驾驶员是否是车辆的注册所有者，如果不是车辆，请找出所有者是谁，也可以获取该信息（例如，它可能是公司的汽车）。
- If a foreign lorry is involved, get the numbers on both the lorry and its trailer, sometimes they are different. Its also a good idea to get the name of the company if its painted on the lorry.
我应该在事故现场记录什么？
- 事故中涉及的车辆的品牌，型号，颜色和数板或拍摄照片。
- The time and date of the crash.
- The driving conditions, including the weather, lighting, and road quality (such as road markings, whether its wet or muddy, repair of the road surface).
- What sort of damage was caused to the vehicles and where – nearside front wing and door (nearside is the left side of your car, offside is the drivers side).
- 驾驶员，乘客或行人的任何伤害。
- 任何证人的姓名和联系方式。
- 使用手机为现场拍照，所涉及的汽车位置以及对汽车的损坏。
如果没有其他人涉及事故，例如您对私人财产或停放的汽车造成了损害，则应留下您的详细信息 - 例如，所有者可以看到它的便条。诚实付费。如果目击者或闭路电视相机看到了您并注意到您的汽车号码，但您开车离开了，那么您可能会遇到严重的麻烦。
提出要求
尽快给您的保险公司打电话 - 理想情况下，事故发生时。他们会要求：
- 您的策略号或信息以识别您，例如您的邮政编码和汽车注册号。
- The registration number of the cars involved.
- 驾驶员的姓名，地址和电话号码。
- 如果您有驾驶员的保险详细信息。
如果您有AA汽车保险，请转到我们事故辅助指南下一步。
如果我不要求该怎么办？
Still tell your insurer about the accident, because the other driver may try to make a claim without you knowing. You may choose not to claim:
- To keep your no claims discount intact, if you don't have a 'protected no claims discount'.
- 如果您决定自己支付维修费用。
Crash-for-cash claimants
这些人是安排事故的人欺诈保险索赔。
他们可能会出乎意料地制动，使您进入汽车后部，或者闪烁灯光以表明您有意撞向您之前就可以自由走。他们也可能会拿出刹车灯泡，当他们撞到面前的刹车时，没有任何警告，使您更有可能坠入其中。
崩溃的索赔人通常会责怪您的事故，并给您他们的保险信息，有时会在纸上准备好的保险信息。
发生这种情况后的几周后，您可能会收到保险公司的来信，以突出事故造成的损害 - 他们提出的索赔可能会被夸大（有时包括恢复车辆，汽车租赁或鞭打伤害尚未发生的人）为了最大化他们试图赢得的钱。opebet平台d
You'll be less likely to be involved in such a scam if you keep your eyes open and:
- 在合并连接和回旋处的情况下，要特别小心地停止开始流量。
- 在您和前方的汽车之间留出足够的空间。
- 警惕不稳定的驾驶行为，例如无缘无故放慢速度。
- Take note if their brake lights don't seem to be working and increase your distance.
Some drivers install dash-cams to show their innocence against a crash-for-cash claim. These can be very helpful in establishing proof of a crash-for-cash claim.
Safety technology
汽车安全技术可能有助于降低发生车祸的风险 - 让您在开车时感觉更安全。装有某些类型的安全技术的汽车通常比没有设备齐全的类似汽车的保险组低，这可能会吸引较低的溢价。
Many cars already come with audible and visual sensors when maneuvering your car in tight spaces or automatic parallel parking. You can check with your insurance company to see if they'll offer additional discount for such equipment. Explore below a few more safety tech features:
- Autonomous emergency braking (AEB) – the brakes are automatically applied if sensors on the car detect that you're going to have a crash, helping to either stop or decrease the severity of the accident.
- 自适应巡航控制系统——汽车自动再保险duces its set speed if the traffic ahead is travelling more slowly than you.
- Dashboard cameras – these record the traffic ahead of (and, optionally, behind) you, which can help prevent crash-for-cash claimants from making fraudulent insurance claims or provide evidence of what happened when you have to make a claim.
- Lane departure warning system – sensors or cameras pick up your cars position on the road and warn you if you're swaying out of your lane.
- eCall – this is a system that will automatically call emergency services in the event of a crash anywhere in Europe. It's a legal requirement for new car models from 31 March 2018, and may be fitted by manufacturers to existing models.
有时很难避免事故，无论您的驾驶程度如何。在您提出索赔时，将此后的事故清单准备就绪或手机上的书签就会有所帮助。
了解更多有关opebet客户端 车祸或探索不同级别的汽车保险我们提供的封面。2020年11月27日更新