单方故事处理如何处理本人于昨天零晨4点，开车出去因避让其他车辆导致右打方向盘过大撞向路边路灯，从车上下来后很慌张出门时没带手机，借路边人手机打了电话给朋友电话没通，之后就步行1个多小时回到家中，找朋友一起去现场到现场时间大概6点左右，因为是第一次遇到这种问题不知道怎么处理只打电话给了我父亲，等他到现场来已经到7点多钟。我们觉得是单方面是只打电话给了保险公司，保险公司人员到达现场才去打110报警，交警到达现场已经是9点多了。



现在交警说我们有调包的嫌疑，说为什么发生事故后没报警 ，过了近5小时才报警。要调查取证后才会有结果叫我回家等电话。

请问大家几个问题：

1、调查取证周期是多长

2、交警什么时候必须给我出事故认定书

3、保险公司赔偿金额会是多少（平安商业险）

我应该还需要注意什么问题吗？

谢谢大家帮忙解答问题？请问大家几个问题：保险公司赔偿金额会是多少（平安商业险）

我应该还需要注意什么问题吗？ </div> <div class="cb-artynum-cell"> <span class="cb-article-tab">保险纠纷</span> <span class="cb-articel-update">2019-05-31 23:35</span> <span class="cb-read-num"><span class="readnum"></span>人浏览</span> </div> </div> </div> <!-- 律师回答 --> <div class="lawyer-da mlr34 margin-b68 "> <div class="lawyer-t-num flex wendacount" data-count="3">共3位律师解答</div> <ul class="lawyer-da-ul"> <li class="lawyer-da-li "> <div class="txt lawyerurl0"><div class="txt1">报警处理，由交警勘察完现场后、询问各方当事人及证人情况后，依法划定责任，出具道路交通事故责任认定书，对认定书不服的可自收到认定书后在三日内申请复核或提起行政诉讼。<br>可以根据事故认定书以对方和交强险保险公司为共同被告依法向法院要求人身损害赔偿，先由对方保险公司在交强险赔偿限额范围内给予赔偿，不足的部分由双方当事人根据事故责任认定书划分责任比例承担赔偿责任。<br>保险公司有先行垫付的义务。你们可以直接向保险公司索赔。赔偿您的损失，包括医疗费、误工费、护理费、住院伙食补助费、交通费、营养费，如果构成伤残，还可以主张残疾赔偿金、被抚养人生活费、精神损害抚慰金、二次手术费、 鉴定费、车辆损失费等损失。</div></div> <div class="cb-onetoone flex wl-j-b"> <a href="https://m.lawtime.cn/ask/fabu/?from=1406" onclick="_lthm.push(['_trackEvent', 'm_pa0023_po2_ty1', '0_buty1', 'ac1']);" class="flex lawyerurl0"> <img class="cb-lawer-img lawyerphoto0" data-echo="https://pic3.lawtimeimg.com/images/default/aiphoto/answer/v2/lawyer1.jpg" alt="保险纠纷律师团队律师"> <div class="cb-lawer-info"> <div class="lawer-name flex lawyername0"><span class="lvsname nowrap">保险纠纷律师团队</span><div class="lawer-certify">推荐</div></div> <p class="lawer-dizhi nowrap">2019-05-31 23:11</p> </div> </a> <p class="cb-to-btn ask-btn lawyerask0"> <a href="https://m.lawtime.cn/ask/fabu/?from=1406?from=1406" onclick="_lthm.push(['_trackEvent', 'm_pa0023_po2_ty1', '0_buty1', 'ac1']);">咨询我</a> </p> </div> </li> <li class="lawyer-da-li bdt1 pt68"> <div class="txt lawyerurl1"><div class="txt1">开车事故保险公司怎么赔偿，　　开车事故保险公司怎么赔偿，具体操作步骤如下：　　<br>一、驾车发生交通事故后，一定要立即向事故发生地公安交通管理部门报案，同时在48小时内通知保险人，否则保险公司可以拒赔。车辆发生交通事故后，投保人应尽快向保险公司报案，可以电话报案，也可直接去报案。　　<br>二、保险公司应主动到事故现场进行勘验，对事故车辆进行定损。交通警察到达事故现场后，要先抢救伤者，然后对事故现场进行勘验检查。对未逃逸的交通事故，而且不需要检验鉴定的，公安交通管理部门应当在10日内做出交通事故责任认定书，对需要检验鉴定的，应当在5日内进行检验鉴定，然后做出认定书。　　<br>三、投保人到保险公司办理理赔手续，应携带行驶证，保险合同以事故责任认定书等相关证件。保险公司应在48小时内对车辆进行定损，投保人在车辆没有定损之前不能修理车辆。保险公司应该出具车辆定损清单，明确更换配件，修复车辆的费用和工时。　　<br>四、投保人如对上述清单无争议即签字生效，作为保险公司理赔的依据。如果有争议则可以拒绝签字。在投保人对定损清单没有争议的情况下，投保人可以修复车辆，并按以下程序进行理赔。　　<br>1.投保人将修理厂的发票，明细清单，定损单，行驶证，保险合同交给保险公司。　　<br>2.与保险公司达成协议之后，保险公司应在十日内支付保险赔偿金。如保险公司认为投保人提供的材料不完整，应在两个月内按可鉴定的最低额先行赔付。　　<br>3.领取理赔通知单，领取保险金。　　<br>4.如果保险公司在两个月内拒绝出个理赔通知单，并在两个月内不予赔偿，投保人也可以向保险公司所在地或车辆注册所在地人民法院提起民事诉讼。　　<br>5.保险公司在收到投保人的有关保险事故的证据材料后，应当向投保人出具证据清单并签字盖章。　　<br>6.保险公司出具拒绝理赔通知书。　　<br>7.投保人可以向保险公司所在地或车辆注册所在地的人民法院提起民事诉讼。　　相关知识延伸阅读：保险公司对不负赔偿责任的情形　　<br>(一)被保险人的雇员由于职业性疾病以外的疾病、传染病、分娩、流产以及因上述原因接受医疗、诊疗所致的伤残或死亡;　　<br>(二)由于被保险人的雇员自伤、自杀、打架、斗殴、犯罪及无照驾驶各种机动车辆所致的伤残或死亡;　　<br>(三)被保险人的雇员因非职业原因而受酒精或药剂的影响所导致的伤残或死亡;</div></div> 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<div class="cb-onetoone flex wl-j-b"> <a href="https://m.lawtime.cn/ask/fabu/?from=1406" onclick="_lthm.push(['_trackEvent', 'm_pa0023_po2_ty1', '0_buty1', 'ac1']);" class="flex lawyerurl2"> <img class="cb-lawer-img lawyerphoto2" data-echo="https://pic3.lawtimeimg.com/images/default/aiphoto/answer/v3/lawyer2.jpg" alt="平台特邀律师律师"> <div class="cb-lawer-info"> <div class="lawer-name flex lawyername2"><span class="lvsname nowrap">平台特邀律师</span><div class="lawer-certify">推荐</div></div> <p class="lawer-dizhi nowrap">2019-05-31 23:35</p> </div> </a> <p class="cb-to-btn ask-btn lawyerask2"> <a href="https://m.lawtime.cn/ask/fabu/?from=1406?from=1406" onclick="_lthm.push(['_trackEvent', 'm_pa0023_po2_ty1', '0_buty1', 'ac1']);">咨询我</a> </p> </div> </li> <li class="lawyer-da-li bdt1 pt68"> <div class="txt"> <text>如果需要针对性解答，可以直接向我咨询并描述您的情况，本地专业律师将24小时在线解答。</text> </div> <a class="cb-onetoone flex wl-j-b" href="https://m.lawtime.cn/ask/fabu/?from=1406" onclick="_lthm.push(['_trackEvent', 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