At ten thirty yesterday in Tangzi street small T-junction, a not very wide small on both sides of the road, was full of parked vehicles, into a one-way street. See this situation has been driving into the distance I, decided to reverse corbel transform direction. Because almost all the ambush, I slowly backed his car has been to the small t-junction. Then the left front came an old lady, I rushed to the wheel back rub moved over, just want to drive, suddenly heard someone shout back, I looked back and saw a white car. I pulled the handbrake, got off a look. Oh! My car left posterior horn, and white car right front corner posted. Here comes trouble!!

   I drive a car of others, only in the hands of a driving license. The insurance policy, card, and contact telephone number and I don't know! The other driver S has experience in this area, so the S alarm, police telephone inquire condition didn't police will tell the file. I can not contact the owner, no insurance company phone. I said to S, I have no experience, do not understand, now can not contact the owner, how do you say that? S asked me this car had insurance does not, I say probably not, S said if had three insurance, insurance is not what it means, I say I do not understand this. S said we still find time to claim! I agree. Suddenly said to S "you use the mobile phone to take a photo". Because no one out, we will leave a site. Looking at S taken by mobile phone.

    S said, I first open it, he started, I obviously feel the body move. Just listen to the back and shouted, step on the brake! I looked at the long pull the handbrake, and step the foot brake. S car before I left.

    Night time contact the owner, talk things through, he said: no problem, give him some money! I don't understand, when S has no such requirement. Or go tomorrow insurance! The owner said the policy in the trunk of the car, the results did not. Ask again: where is the insurance? Answer a: I didn't hear it a place I've never been. I check in online, finally found that insurance company customer service phone. Have the night, leave the phone, and told me tomorrow morning 8 point contact again.

    The husband came back to check the condition, very light scratches, maybe they won't call again! I hope so, I am still worried, but mind, give 100 yuan is the upper limit, if the S to go insurance. I am very confused, and even what S car, license plate number, unseen, remember only the white car, afterwards just know S is a white Mitsubishi car.

   Ten thirty this morning from S mobile phone, asked him what car no event, or give you some cash got. S said together or to the insurance company. Blind road I turned around to find a place. Shenyang Road, road traffic order, the very clear, turning, corbel, single row, double row, allows turning, don't turn have strict line, I in this familiar city, the traffic is very confused, always standing in the wrong way, and then in the water like traffic, see landmark, see the signal, driving, lane change, turn, ask for directions. Midway also answer the call from S mobile phone. A road safety running, finally found the insurance company.

    The insurance company reception, tell the upstairs to find the staff, warm and thoughtful service, query policy, explain the claim process, the first alarm, notice the insurance company, this should be in 48 hours! Driver's license, driving license, and the owner of my bank card number. Also in the running documents give me posted a number of policy, out of phone calls and so on, all have to eleven thirty lunch time, S has not arrived yet.

     S finally arrived, quietly asked me if I knew I stood waiting staff. I shook my head, this is my first time here.

      Then next to someone suggested that we go fast claims, because our car is not a big problem, also do not have what harm. Ask about local. I stood in the wrong line, the road can not pick! Go on ahead, and then turn. I am familiar with the later road, driving up also handy. I travel to the East Tower East fast claims company located at 200 meters. 12, because of the way S made a two call, so time is recorded.

    Fast claims company do not rest at noon. According to the sign position, mobile phone text messages in the report submitted, and both sides of the driving license, driving the exchange to record, and then to the specified L desk for claims, L asked us car friction location, time and circumstances, suddenly I heard S say his fog lamps were also damaged, I confused, was about to explain, S blunt I blinked, I think negative not say exports!

   L holding a small card camera walked outside, be or get out of danger situation photograph car. S did not expect more exaggerated auto insurance, including bumper, fog lights to crack, long scratches!! I have no words, to see how the situation unfolds. Sure enough, L put forward the question, because L is to take a picture first my car, a small one inch scratch! Not likely to cause the other scars!! L asked S: this fog how to return a responsibility? The fog lamp position low and concave, with long cracks around the fog. In my car without any traces of the same height. Even a fool can see understand, can't make my car!! But S insists it is damaged, L asked: the fog? S said: throw! L said: that which you ask, I saw no, I hesitated to tell the truth: don't see. L let me put the 20 meters outside the car here, so I started turning to cross the road, turn, crossing the road, stop in front of L and S. Then L had to look after, and I take the car to the local original 20 meters. We returned to the house in front of work.

    L said to me, repair costs about 2000, I opened his mouth, why so much? Includes fog lights, bumpers, painting, L looked at me doubt eyes said, 4S shop repair your! And you should also follow the car, have a look and where to repair. Repair money you to advance, and then take the receipt to here. I immediately angry: no.!! S busy whispered, I can pay some money. But I don't want to train this confusion!!! L also changed face, you hit a man's car, people want to repair, is tens of thousands of you have to take the money!! I also cried: I just astern scraped his car, not so serious!!! I argued against. I asked L: in your experience, do you think I could put his car so serious??? See my anger attitude, L and driving license S, a computer next to L, in the S loss record network query, seems to have been the two risks, because the computer screen toward the inside, I can only listen to their conversation. After the L lowers the tone, then find relevant personnel identification. This time S just said a sentence let me doubt: we also did not say what! Hum, I remembered that, at that time I go to the car, return the car, before and after L are two entirely different attitude, ghost know that between the two of them have what dirty!

    Oh, came a young man, then I don't want to hide the truth of what, describes a, S Speechless aside. The boy looked at both sides of the vehicle, asked S, fog lamp, bumper laceration is hit? S nodded, I shook my head! The young man said, well, you go to the special appraisal organization to identify, in the District of Huanggu, and said he didn't know. Then he let me drive and then come back to me in danger situation can be restored, and when I come back, they had to walk in building.

    L smiled said: 370 yuan car repairs. S whispers said not enough, L says, you also want to repair? A little paint, is not it? The 4S store is not more than 150 yuan, the 370 have a lot!! S also want to say what, L enhanced voice: he (strong guy) telling you! S not speech. I pay S yuan 370 yuan.

    L said to me, give you 370 yuan and 100 yuan compensation, 3-5 working days will play to owners of the bank card.

    S pocket the money very reluctantly to go. I smiled and said to L: Thank you! This time I see! Know how to handle the fast claims!

    L said: "in this later, the insurance company will not necessarily be or get out of danger, but you have to remember the time, place, and circumstances.

        I silently nod, yes I remember, but a verbal statement without any proof, and S. It is reported to be or get out of danger, photo documentary is a must!!

   L asked: how do they speak? I said I don't know, because I go to the car moving, be rather baffling things change.

     L said: you are not what great things, or both sides does not recognize the situation, really want to go to the local identification of special. He that, if I were you, give him insurance 200 yuan! More than 370!

     Human effort is the decisive factor.! A more than two hours, the car repairs from 2000 straight down 370 yuan, and a lot less like to stare at 4S shop car trouble, and got back the fare back!!

      People ah, Yuan Fang, what do you see?

No. 19 at ten thirty in the morning if, 20 noon fast claims, No. 21 in the morning to the message, the insurance company claims paid, fast enough.