legal ground
Article 8 of the Provisions on Procedures for Handling Road Traffic Accidents
In the event of a property loss accident, if the parties have disputes about the facts or reasons, and there is no dispute about the facts or reasons, but no consensus is reached on the compensation for the damage through consultation, they shall protect the scene and call the police immediately.
Article 12 of the Procedures for Handling Road Traffic Accidents
If a party fails to report to the police at the scene of a road traffic accident and requests the traffic administrative department of the public security organ to handle it afterwards, the traffic administrative department of the public security organ shall record it in accordance with the provisions of Article 10 of these Provisions and make a decision on whether to accept it within three days.
Article 70 of the Road Traffic Safety Law
When there is a traffic accident on the road, the driver of the vehicle should stop immediately to protect the scene. If the insurer has the ability and conditions to notify but fails to do so, and the cause and responsibility of the accident cannot be ascertained, the insurance company shall not be liable for compensation.