留学生due(在美国发生交通事故怎么办)

1.千万不要说Sorry

中国人很客气，所以车祸发生了，一下车，很容易跟人说sorry，对不起。但这在处理车祸时是最坏的开始。因为这就相当于承认是自己的责任，外国人也许会揪住不放，哪怕其实是他的责任。

的确，“sorry”是不少中国人的口头禅。借个道，美国人通常会说“Excuse

me”，到中国人这里，尤其是初来乍到的中国人，就会说“sorry”。尽管在中国人看来，Excuse

me(不好意思)和sorry(对不起)并没有多大差别，对于咬文嚼字一点的人来说，也就是程度上的区别，但在美国，一般情况下不说“sorry”，除非是比较大的失误或承认错误。

2.拍下对方车牌

拍下对方车牌，双方车子所有撞到的角度都尽量拍照。拿见证人的名字和电话号码。

根据上一点的提示，因此，下车的时候请大家务必高冷一点，拿出手机，镇定的拍照。见证人(witness)是很关键的一环。不少人认为找见证人很麻烦，但在美国，人们是很愿意这么做的。除非高速公路上不是很好找，在停车场，小路上，比如路边的居民，路过的路人。只要你需要，大部分的人都会给你留下姓名和电话号码，哪怕到最后可能用不到。这个步骤和我们在国内处理车祸时基本一致，多了“见证人”这个环节，但越大的事故，见证人的重要性就越发会得到体现。

“Are you willing to be my witness?Could you please give me your name and

cellphone number just in case?”不用什么寒暄，就记着这两句话就好。

Step B

这个步骤大概是“重中之重”，会给自己至少一张复印件放在车里，在进行完以上两步之后，请拿出这张纸给对方车主，尤其在对方是肇事方的时候。

To whom it may concern:

I，____(人名)___________, admit that the accident at

___________(地点)____________was due to my own negligent action as

______(原因)________________________on____(日期时间)______.

Signature:_______(签名)________________ Date:______(日期)______________

基本上，在签了这张纸之后，对方的责任就很清楚了，他一不会跑，二当然是会对你刮目相看。

Step C

3.打911

结束了以上步骤，这时候才该打电话去警局。不要自己判断车祸的严重程度，必须打电话，警察来不来是他的问题。一般小车祸，警察都不会出警，不过，一定要留一个案底，方便保险公司查证以及之后各种无法预测的情况发生。

肇事罚单是刑事罚单，因为是影响公共安慰的。而只有民事责任，因为是人与人之间产生的问题，才是在保险公司判断的，谁占上风谁就得到赔偿。所以，如果你在语言上不占优势，又没有取得该有的证据证明是对方肇事，那么很可能你是受损方，却得不到什么赔偿。所以，警察的出现，警察的判断，在保险公司判断之前有决定性的作用。不要因为怕麻烦就不打电话。

不仅如此，尤其在“倒车”的时候发生的车祸很容易出现误判，所以在此时保护自己，判断清楚责任方，并留下案底，尤其重要。

4.交换保险资料、拍下对方的保险卡及驾照。获取对方的电话号码。

在等待警察的时候，可以进行这个环节。不过最怕的就是对方给出的保险已经过期或者是失效的。

尽管现在保险公司和警局的网络联网，每一辆车的车牌(licence plate)都和车的VIN

Number联在一起，警察能马上被查到该车是否购买了保险，而在美国，没有保险是不能上路行驶的(一旦查到，不仅要补交保险，还会被扣9分满分12分)，但是，也不能保证一些人还是不上保险。除非你办理了在被没有保险的车肇事时你也能得到赔偿的险种，不然遇到这样的肇事车，你是无法拿到赔偿金的。所以，一定要仔细看对方保险卡上的policy

number，看清保险的起始日期。

5.打电话给对方保险公司确认保险有效。

这一环节是对上一环节的验证，保险是否有效要马上获得验证。

6.给自己的保险经纪打电话。

手机里记得存一个保险经纪的行动电话和办公室电话，在以上步骤进行完毕后，才是给保险经纪打电话的时间。对于来美租车的旅客来说，这个步骤则换成“给租车公司打电话。”

基本上到这里，车祸发生后需要车主们做的事就算了结了

我是用有道翻译的 可能也不是很好 但希望对你有所帮助 ~~

I'm very disappointed and very sincere write this letter, when service your precious time I'm really sorry, but I will make sure that you read.

This is my first 2 letter, I am a student from China, from entering USM on, my life goal is for your future career reserve enough theoretical knowledge and practical experience. However, the living environment and the way of change and let early to Malaysia's I lost, and lose direction, lived in the first three empty-headed, that last term I had not earnest to learn, obtained xsl-fo!

Through this school to me and instruction of the self-examination, I myself for future studies and career planning a more profound understanding: first, "no target ship never reach success of the other side," through this lesson, I explicit oneself future career goals. And to achieve this goal request time bound himself to give yourself to seek more the professional knowledge and rich experience of power. Second, I have for my four year university life made the corresponding planning, at each stage, should do what thing, can't let again good precious university time lost, has made college life more rich. Therefore I urge USM can give me another chance, can let me finish my life to brilliant brilliant foundation.

Due to the family work in Banks, since childhood to the I had impact, especially financial aspects, I have deep love for the financial, in this professional can with great enthusiasm to learn. I am a comparative outgoing boy, personality, cheerful, like making friends, but sometimes on some tasks inert big, like lazy, playful. This is why I before three trimesters didn't work hard. China post office quotes "ate without pains". Through this lesson convinced me to overcome the difficulties of the growth manager belief, again big waves as long as there is no fear of courage, and is the ideal hard work of courage, I can insist on. I sincerely hope, will be able to return society, for the society, others create value.

I hope places in finance, the main research professional how in conditions of uncertainty for scarce resources across period of distribution. Main cultivation of financial insurance theoretical knowledge and master financial insurance business technology, can use economics general method analysis financial insurance activities, deal with the financial insurance business, have certain comprehensive judgments and innovation ability, can be in commercial Banks, securities companies, insurance, property insurance companies, trust and investment companies, investment fund companies and financial education department senior specialized talents. I want to do in the future career: national official (government administrative agencies such as: finance, auditing, customs department etc) banking, or large financial investment company of investment plan.

Choose these professional not only because suitable for analysis and thinking me with finance wrong, but also because these professional for the quality of the employees ability demanding, so, for their own learning in college life has higher requirement bound himself to do the needs of the community talent, can avoid recidivism before the same mistake! Now I only read a year of college for financial understanding precisely, only one semester, therefore, I now both knowledge or ability, all and goal gap very far, need to pay more hard, but only with the dream and dream for realizing the persistent unremitting efforts, I believe I can do.

For before I in study not only listening to the teacher's lecture but also on the learning slack off, and for a few days I earnest resonsideration, profound remorse for his behavior, I feel a deep guilt and upset. I also realized this continues serious consequences. So I have made for the next three years study plan. Can encourage myself keep studying hard no longer let up!

Article 2 years: the first semester major put himself into professional before professional courses, so that they could take finished with original financial professional other students at the same level. Still should in learning at the same time are not only a rote, in understanding memory, mastered gradually more knowledge. The next semester, same shore-nets and strengthen the English learning.

The first three years: basically be professional strong course of study phase, this one phase, want to notice to combine theory knowledge applied in practice, the time the deadly concern around the economic and financial situation at home and abroad, simple to write something on financial investment plan analysis, and promptly communicate with the teachers communication, please the teacher pointed out that the inadequacy, continuously corrections. In addition, still should in holiday find some financial institutions practice chance, even do some simple work, also can first in your future work environment and content have a preliminary understanding. In a practice process sum up your should have what the necessary quality and ability.