Help for motorists in an accident
Print Edition
POLICE and Shanghai Insurance Association announced a new measure yesterday to facilitate traffic incident compensation applied for via a mobile platform launched last June.
Now in an accident where the insurance claim of one party surpasses 2,000 yuan (US$300), the parties involved no longer have to report the case to the police providing they take valid pictures from the scene and upload them to the platform Kuaichuyipei (Fast Handling and Easy Compensation).
The ruling only applies to accidents involving two cars that have not involved any injuries.
In China, compensation for vehicle damage in road accidents from compulsory traffic insurance is capped at 2,000 yuan. Any sum above that limit is determined by insurance companies.
Li Zhonglin, director of the Ligang branch of the city’s Insurance Claims Settlement Service Center for Vehicle Damages, said insurance companies required police to give their opinion before determining what compensation would be paid. “Now they believe that the risks are well under control especially when parties involved in an accident upload live evidence to their cloud servers.”
The platform, called Fast Handling and Easy Compensation‚ is a public account on WeChat, the popular instant-messaging service.
The platform has detailed guidelines for users on taking pictures at the scene of an accident, including photographing what damage has been caused, the surroundings and car registration plates.
Police urge those skeptical about using the platform or who find Wi-Fi is not available, to take pictures or videos of the scene.
In another new measure announced yesterday, those who come to settle insurance claims with valid evidence from the accident scene are also exempt from needing to seek opinions from the police even if the estimated amount of compensation is more than 2,000 yuan.
“The advantage of using Kuaichuyipei would be that the parties involved don’t have to go together to the service centers to settle insurance claims, because the establishment of the case is done over the internet,” said Wu Hao, an official from the traffic police’s Accident Prevention Office.
Wu said more than 2,500 traffic accidents were settled via the platform since June, and the quickest time for a driver to receive compensation so far was 40 minutes. Usually it would take two days without using the platform.
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