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标题: 如何正确处理 hit-and-run [打印本页]

作者: jane052    时间: 2014-10-12 07:52     标题: 如何正确处理 hit-and-run

本帖最后由 jane052 于 2014-10-12 07:53 编辑

即使在停车场有人撞了你的车,没跟你打招呼就逃掉了,也构成hit-and-run
在美国,hit-and-run是crime,是犯罪。美国对于hit-and-run的处罚包括罚款、吊销驾照,和坐牢。

下面的链接给出的是 Nevada 州的一般处理hit-and-run的正确做法。我仔细看了下,跟其它州都大同小异。
http://www.dmv.org/tips-for-hand ... un-driver-claim.php

我在这里翻成中文。英文在本帖最下面处。

什么样的事件构成hit-and-run?
在发生任何事故时,倘若司机故意逃离现场,而没有留下联系方式,这样的事故就构成hit-and-run。常见的hit-and-run事故包括:(1)一车撞到你然后快速逃逸;(2)一司机撞到你在某处的停车,而没留下任何联系方式就逃逸。

若是遇上hit-and-run,该如何处理?
无论你多怨恨,要学会控制自己,摆脱不良情绪,要告诉自己尽自己最大力量而保持冷静,并立刻着手做正确的事。
(1)那就是收集尽可能完全的信息(最重要的如:逃逸者之车的model, make, license plate number)。
这些信息可以协助警察将逃逸者捉拿归案和加以惩处;这些信息还可以加速你的索赔进程。
(2)寻求周围目击者的帮助,索求目击者的名字和联系方法。
(3)在离开现场之前,还要写下事故发生的时间和地点;对事故现场进行拍照;对自车进行拍照(以向你的保险公司的证明你不是在敲诈。有些司机故意行诈,撞了某物,然后向保险公司声称被hit-and-run,所以,你必须提供证据以证明自己不是在行诈。)

若是你的停车被hit-and-run,记下尽量完全的信息,包括时间、地点、损害状况。


报警:
若是有人撞了你而逃逸,你当时可能就像去追随。但记住,这可能会导致你不理智的驾驶,以至于造成不必要的事故,或者更受到逃逸者的报复而对自己造成更大对伤害。所以,最有利的方式是立刻报警。报警时要提供尽可能多的信息(包括事故的目击者的名字和其它重要的细节)。即使警察最终仍未能捉捕到肇事者。报警可以加快保险公司对你的案例索赔的处理,之后还可以有官方的案例可以进行有效追踪。(报警的另一作用就是提供足够的证据,以证明你不是在恶性诈骗。)

至于保险会不会加价,不同的州不同的保险公司的政策都不同。你需要直接打电话询问清楚。

另外,你的损失包括你的身体健康损失(人身伤害和精神损伤)和车子损害。所以你要尽快去看医生。

Steps to take in an accident when the other driver has disappeared
    File a police report. The police need to have all the information on record to assist in finding the guilty party in the car accident. It’s sad, but there is so much fraud in our society that the insurance company must take every precaution to determine if the claim is legitimate. A police report is a sworn statement that the insurance company will take very seriously.
    Report the incident to your insurance company and to your agent.

Bear in mind that the definition of a hit-and-run accident and the coinciding penalty differ by state.



Tips For Handling A Hit And Run Driver Claim

When you are the victim of a hit and run accident, you likely feel angry and confused, and it can be unclear how to get compensation for your damages and injuries. However, there are steps you can take to create a smoother experience, should you be in this unfortunate situation.This page will walk you through the appropriate ways to handle a hit and run accident, as well as the types of coverage that may apply.

What Is a Hit and Run Accident?
A hit and run accident is any accident in which a driver intentionally leaves the scene without providing contact information.
Examples of hit and run accidents include:
    A car hits you and speeds off.
    A driver hits your unattended parked car and leaves no contact information or way of collecting damages.

What to Do After a Hit and Run Accident
While you’ll likely be feeling immense stress if you’re a victim of a hit and run, it will help to stay as calm as possible and gather as much information as you can.

Having more information:
    Increases the chances that the police will catch the driver who hit you.
    Helps your car insurance company make decisions about your claim.

First, get as much information as you can about the car that hit you, such as:
    Model.
    Make.
    License plate number.

Also, look around for any possible witnesses to the accident, and ask for their names and contact information.

Finally, take the following steps before leaving the scene:
    Write down the time and location of the accident.
    Take pictures of the accident scene.
    Take pictures of your car, especially if another car’s paint is visible on it.
        This will help you prove that you are not attempting to defraud your insurance company.*

If the hit and run occurred when you were away from your parked car, jot down as much information as you can, such as:
    Time.
    Location.
    Damage.

* A note about fraud: Some drivers hit an object and try to claim that they were the victim of a hit and run, so you want to be able to prove that you are not attempting fraud yourself.

Filing a Police Report
When someone hits you and drives off, you may feel compelled to chase him in your car. But beware: this can cause you to drive recklessly and get into another accident, or to be the victim of retaliation from the other driver.

A better idea is to call the police as soon as possible and file an accident report that includes the names of any witnesses and other important details.

Even if the police do not find the driver who hit you, having a police report on file can hasten the auto claims process and give you an official document to rely upon later.

Car Insurance Coverage for Hit and Run Accidents
Often, uninsured motorist coverage from your car insurance company covers hit and run accidents:
    Uninsured motorist bodily injury (UMBI) coverage pays for medical expenses.
    Uninsured motorist property damage (UMPD) covers car repairs.

Some states require uninsured motorist coverage, while others allow it but do not require it. Also note that in many cases where UMBI is offered, UMPD is not. Check with your car insurance company to see which coverages will cover hit and run accidents in your state. Note that certain states will not allow UM property damage coverage to be used to pay for damages from a hit and run. These states are:
    Ohio
    Louisiana
    Georgia
    California.
    Illinois
    Colorado.

In these states, personal injury protection, medical payments coverage, and collision coverage can cover injuries and car damage, respectively.

Filing a Hit and Run Claim
If you are able to identify the person who hit you, you can get the car insurance information from your insurance company or the policy and file a claim with their car insurance company.

If the driver did not carry adequate protection, you can try to get your money through an attorney and the court system.

If you are unable to identify the person who hit you, or that person does not have enough insurance to cover your costs, you can file a claim with your own car insurance company using one or more of the coverages mentioned above.

In a few states, car insurance companies waive your deductible for hit and run claims.

Will a Hit and Run Claim Raise My Rates?
Whether a hit and run claim will raise your car insurance rates depends on what state you live in.

Contact your auto insurance agent to find out about your rates in case you are a victim of a hit and run accident.




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