Ping An auto insurance has some pitfalls

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This post was last edited by Changzhou Minghan New Materials on 2017-11-1 at 16:47. Peace Insurance: No one comes around when the amount involved is small. Let me describe what happened: It was during the New Year this year; I was driving a Citroën on a country road, heading toward the provincial road a few kilometers ahead. When I reached an intersection ahead, I was hit on the side of my car (on the driver’s side) by a motorcycle coming at high speed. Because there was a village blocking this intersection, I didn’t see any motorcycles coming until my car was almost at the middle of the road; it was only then that I noticed a motorcycle approaching me. I never expected that motorcycle to hit me! As soon as I realized the car had been hit, I got out of the car immediately, called the police and 120, and took photos as evidence. The person on the motorcycle (for simplicity’s sake, I’ll refer to him as “Xia” from now on) lay on the ground after the collision, unconscious, with no obvious bleeding wounds. Later, a phone was found in Xia’s jacket pocket, and I used it to contact his relatives. When his relatives arrived at the scene, they started cursing me violently, asking me whether I was the one who drove, why I drove, if I had a driver’s license, and whether I had been drinking. ”Make me pay the costs and send the person to the hospital. I said there was insurance, so don’t worry—the insurance company will cover the costs (later, an ambulance arrived and took the person to the hospital). Xia’s relative said that if it didn’t work, I would have to pay the money right away. I had just bought a house (paid for it in full), and I still owed tens of thousands of yuan for that purchase; I borrowed that money. I really didn’t have much money on me, only a few hundred yuan. Later, many relatives of Xia came, and with more people around, they became even more aggressive. A group of them surrounded me and started arguing; it was the first time I had encountered such a situation. I was very anxious because of their arguments, but fortunately the traffic police arrived at that moment (it’s great that the traffic police can show up so quickly). The traffic police arrived, and at the request of Xia’s relatives, they tested my blood for alcohol to prove that I hadn’t drunk any. Since Xia was unconscious and it was not possible to conduct a test on him, we had to go to the hospital for a blood test (later, two more samples of blood were taken from me at the hospital; I thought it would be free, but it turned out there was a charge). While I was in the hospital, the hospital required that 5,000 yuan be paid first. Xia’s family members insisted that I pay this amount, but I didn’t even have 500 yuan on me. So I told them, “You cover those 5,000 yuan for now; I’ll repay it to you all together later. Since you’re relatives, things will be fine and you won’t deny it.” ”Xia’s family and relatives refused to do it; they insisted that I have to pay, and they even tried to hit me (I just stood there without moving, letting them hit me, and in the end I didn’t get a single penny, and might even have to pay them instead). ), and he kept shouting around in the hospital, saying, “I hit someone with my car, I won’t pay for it, and I’m trying to run away.” ”(This is a bit much; it’s damaging to one’s reputation.) Later, I borrowed five thousand from someone and gave it to the hospital, then left. In the end, the traffic police determined that they were responsible for 70% and I was responsible for 30%, and then they seized my car. In the end, they took me to court. Throughout the whole process, not a single person from the insurance company showed up. At the first hearing, I wanted to hire a lawyer, but the insurance company said they didn’t need one; yet not a single lawyer appeared there. I was the only one sitting there at the hearing, with no knowledge of law at all. Later, I heard from a friend that it’s exactly like this with Ping An: since the amount involved in the cases is small, no one comes to deal with them; what contemptible! ! The case is still unresolved to this day; it’s been 8 months already, and the parking fees have now reached tens of thousands. Killed the dog! !