【Northbound Travel for Hong Kong Vehicles】Steps to deal with three situations of self-driving car crashes in the China | Third party injury | Insurance help | Guide to seeking medical treatment in the north

1. Stay calm, turn off the engine and turn on the shutdown light.

2. Call the traffic accident emergency hotline 122 (if it happens on a highway, you can call the national highway emergency rescue hotline: 12122), and notify the insurance company.

3. Take photos of the damage to the vehicle and the scene in a safe manner and keep them as evidence. The vehicle was then moved to a safe location under safe conditions. If you leave your vehicle at the scene, causing traffic congestion, the traffic police may issue a ticket to the driver and fine him ¥200.

4. When the Mainland traffic police arrive at the scene, they will handle the case using simplified procedures in accordance with the "Regulations on the Procedures for Handling Road Traffic Accidents" and produce a Road Traffic Accident Identification Certificate on the spot.

5. In addition to listing basic information such as the course of the accident and evidence of the accident, the most important thing on the accident report is to determine the accident responsibility of the traffic accident, which is divided into full responsibility, primary responsibility, equal responsibility and secondary responsibility. The losses borne by different responsibilities are divided into 100%, 70-90%, 50% and 10-30%. Both parties involved must follow the responsibilities specified in the accident identification report (if they disagree with the determination of responsibilities, they may submit a written review application within 3 days).

6. Contact the insurance company and follow the instructions of the insurance company staff to handle subsequent matters, such as towing or repairs.

1. Stay calm, turn off the engine and turn on the shutdown light.

2. Call the mainland police hotline 110 and the medical emergency hotline 120 to inform the insurance company.

3. Do not move the vehicle and evacuate all passengers to a safe location if it is safe to do so.

4. When the Mainland traffic police arrive at the scene, they will investigate, inspect and collect evidence (and detain the accident vehicle if necessary).

Step 5: Follow the instructions of the police and insurance company personnel to carry out follow-up processing.

If a traffic accident occurs that does not involve a third party, such as crashing into a building or public facility, you should immediately turn on the deadlight and take photos of the damage to the car body and the scene in a safe manner to keep as evidence. If it is safe to do so, the vehicle will be moved to a safe location, and the traffic accident alarm number 122 will be called to report the accident and the insurance company will be notified. When the police arrive at the scene, they will handle the case using simplified procedures in accordance with the "Regulations on the Procedures for Handling Road Traffic Accidents" and prepare a road traffic accident certificate on the spot. The driver should then contact the insurance company to discuss the liability and compensation issues stipulated in the certificate.

If you collide with another vehicle in the Mainland, it is not recommended to settle the matter privately with the other party to avoid the other party going back on their word and making a large claim for compensation. Although according to the Mainland's "Regulations on the Procedures for Handling Road Traffic Accidents", the parties can resolve the matter through negotiation, for Hong Kong people who are not familiar with Mainland laws and regulations, we still recommend calling the police and notifying the insurance company to handle the matter. The insurance company will pay compensation based on the actual loss, depending on the type of insurance and the insured amount. Therefore, if you purchase commercial insurance with a larger coverage, the insurance company can provide more comprehensive services, such as sending personnel to assist the car owner and even helping to arrange a lawyer.

In the event of a traffic accident in the Mainland, insurance agencies will assist in handling matters such as compensation, which is particularly important for Hong Kong people who are not familiar with the handling of traffic accidents in the Mainland. Therefore, if you plan to purchase mainland insurance for your vehicle, you should not only focus on the premium and policy content, but also pay attention to its experience and network coverage to ensure that you can get immediate support in the event of an accident. The insurance company will send personnel to the accident scene to assist the driver and instruct the driver on how to handle subsequent matters.

Currently, the insurance requirement for Hong Kong cars traveling north is to purchase "equivalence first recognition" insurance or compulsory traffic insurance (i.e. "motor vehicle traffic accident liability compulsory insurance"). However, the Hong Kong Consumer Council reminds policyholders that if they purchase a "Recognition of Equivalency" policy through a Hong Kong insurance company, they must purchase a "Recognition of Equivalency" policy equivalent to the "Compulsory Traffic Insurance" from the same insurance company as their existing motor vehicle insurance policy. If a traffic accident unfortunately occurs in the Mainland, the relevant claims will be handled by the Mainland branch of a Hong Kong insurance company, a Mainland partner insurance company or a Mainland claims service agency.

Although compulsory traffic insurance covers third-party personal injury and property damage, the compensation amount is RMB 180,000, and the property damage compensation is only RMB 2,000, which may not be enough to pay the full accident compensation. At the same time, compulsory traffic insurance does not cover the driver and passengers in the car. Therefore, we also recommend purchasing "commercial insurance" (i.e. "Hong Kong-Zhuhai-Macao Bridge Hong Kong Cross-Border Vehicle Commercial Insurance"), adding an additional RMB 1 million or even RMB 2 million on top of the RMB 180,000 insured amount, which is equivalent to Hong Kong's third-party insurance.

Hong Kong residents seeking medical treatment in Guangdong Province can make appointments using their real names via WeChat, mobile apps, websites, phone calls, or on-site appointments. When making an appointment, you need to provide your contact number and identification document, such as the Mainland Travel Permit for Hong Kong and Macau Residents (Home Return Permit), Residence Permit for Hong Kong, Macau and Taiwan Residents or Hong Kong Identity Card.

1. Make an appointment by phone

• China Telecom: (8620) 114 (Service hours: 08:00-22:00)
• Medical Network: 400-6677-400 (Service hours: 08:00-21:30)
• Medical consultation 160: 400-1191-160 (Service hours: 08:00-21:00)
• Guangzhou unified appointment registration system: (8620) 12320 (service hours: 24 hours)

2. Online reservation

• Healthy Road (Medical Care Network)
• Health 160
• 39 Medical Assistant
• Guangzhou Unified Appointment Registration System

3. WeChat appointment

Hong Kong residents can use WeChat on their mobile phones to search for and follow the following public accounts and register as users to make online appointments for medical services.

• "China Telecom 114 Registration", "Healthy Road", "Healthy 160"
• Official accounts of various hospitals (e.g.: The First Affiliated Hospital of Sun Yat-sen University - Zhongshan First Hospital)

4. Mobile APP reservation

• You can search for "Wings Health", "Healthy Road" or "Healthy 160" apps on your mobile phone. The above apps are available in Android and iOS versions.

Those who have successfully made an appointment should bring the valid ID provided at the time of appointment and pick up a number and wait for the appointment half an hour before the appointment time. The requirements of individual hospitals may vary. If the patient's ID does not match the one provided during the appointment, he/she will not be able to get a number. If you fail to keep an appointment, you should adjust or cancel the appointment in time. If you miss appointments multiple times, you may be blacklisted by the hospital and will not be able to make an appointment.

Sources: Hong Kong Consumer Council