How to check for vehicle accident? Analysis and practical guide of hot topics across the Internet in 10 days
Recently, "vehicle accident record inquiry" has become a hot topic, especially in new car purchases, second-hand car transactions and insurance claims scenarios. This article will combine the hot content of the entire Internet in the past 10 days to sort out the complete method for vehicle accident inquiries, and provide structured data comparison to help you quickly grasp key information.
1. Why should we check vehicle accident records?
According to discussions among netizens and industry data, querying accident records mainly involves the following scenarios:
| scene | Proportion (sampled data) |
|---|---|
| Used car transaction | 62% |
| Insurance renewal/claims | 25% |
| Vehicle Maintenance Assessment | 13% |
2. How to query vehicle accident records
According to the latest announcements from the traffic management department and third-party platforms, inquiry channels can be divided into the following three categories:
| Query method | Operation steps | Data coverage |
|---|---|---|
| Official channels of insurance companies | Provide license plate number, VIN number and proof of vehicle owner’s identity | Coverage records of this insurance company only |
| Traffic Management Bureau Platform | Log in to the "Traffic Control 12123" APP → Accident handling inquiry | Accidents registered nationwide |
| Third-party data platform | Paid inquiries (such as Ant Car Check, Che 300, etc.) | Data integration from multiple insurance companies |
3. Answers to hot questions (high-frequency discussions in the past 10 days)
1.Question:“Will the accident record affect the premium?”
Answer:According to the new insurance regulations in 2024, those who have no accident record for three consecutive years can enjoy a premium discount of up to 60%, and vice versa, the premium may go up.
2.Question:“What should I do if the used car seller conceals the accident record?”
Answer:Compensation can be claimed through judicial channels. Recently, courts in many places have ruled in support of the "refund one and compensate three" cases (refer to the 2024 Hangzhou second-hand car dispute case).
4. Inquiry matters needing attention
| Risk type | Prevention advice |
|---|---|
| information leakage | Avoid using informal platforms to query |
| data delay | Please wait 3-7 working days after the incident is handled. |
| Document disputes | Save the loss assessment report issued by the insurance company |
5. Latest policy trends (updated in June)
1. The electronic filing progress of vehicle accident records across the country has reached 93%, and some provinces have achieved real-time synchronization.
2. The China Banking and Insurance Regulatory Commission plans to launch a “one-click inquiry” convenient service, which is expected to be trialled by the end of 2024.
Through the above structured data and hotspot analysis, car owners can fully understand the legal channels and operational points for vehicle accident inquiries. It is recommended to give priority to the official platform for inquiry and comprehensively evaluate the vehicle condition in combination with the vehicle inspection report.
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