CHAPTER 08 · 46 SOURCE ENTRIES

Staying Out of Trouble

别把自己搭进去：法律与财产安全

[← 回总目录](../README.md) 这一节算钱和人身自由，不换算成寿命。讲的是三件事：法律规定你要担什么责任、照着做能少赔多少钱、出了事你在程序上有哪些权利。条款号都和官方原文核对过。排序的办法是：一次出事损失最大、做起来又最省事的放最前面；需要提前安排的放中间；只有经验、没有官方文件撑着的放最后。本节条目按主题分成下面几块，括号里是条号。 **防骗**：发现被骗立刻要求止付（第 2 条），反诈硬规则（第 3 条），视频里看见脸不算核实（第 4 条），银行卡手机卡不借人（第 8 条），免费查征信报告（第 9 条），网购二手交易被骗（第 22 条），上门维修先问价（第 27 条），不

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08-001

Evidence AfreedomSource-sensitive

After a traffic accident, stop, help the injured, and call the police — don’t flee

出了交通事故先停车、救人、报警，不要跑

If you flee the scene, you are automatically considered fully responsible for the accident. Your driver’s license will be revoked, and you won’t be allowed to retake the test for life. More practically, both collision damage coverage and third‑party liability insurance will not pay any claims related to fleeing — you’d have to cover hundreds of thousands of dollars out of pocket. Staying on the scene to help and call the police only takes a couple of hours.

Open the low-ROI detour

Move “After a traffic accident, stop, help the injured, and call the police — don’t flee” to Future Me's calendar

One more exception feels free because the bill arrives outside the current scene.

Today I keep a few minutes and avoid interrupting my default routine.

Move “After a traffic accident, stop, help the injured, and call the police — don’t flee” to Future Me's calendar

Move “If you realize you’ve been scammed, call 110 or 96110 right away to request a stop‑payment — don’t try to investigate on your own first.” to Future Me's calendar

Move “Remember the core anti-fraud rules: don’t trust unsolicited calls, don’t share personal information, don’t click on suspicious links, and always verify any transfer requests. All seven of the most common scam types follow this same pattern.” to Future Me's calendar

Move “Seeing a face on video or hearing a voice on the phone does not count as verification; if a transfer is involved, hang up first and call back using an old number saved in your contacts.” to Future Me's calendar

Move “If accused or summoned, hire a lawyer first — don’t settle privately or delete records” to Future Me's calendar

Move “Coming forward voluntarily after an incident: Self‑surrender can cut a sentence by up to 40%, and the “statute of limitations” defense simply does not exist” to Future Me's calendar

Move “Don’t touch the steering wheel after drinking — even for e‑bikes or “just moving the car a bit”” to Future Me's calendar

Move “Never lend your bank cards, SIM cards, or payment accounts to anyone — “money laundering” is not a side hustle” to Future Me's calendar

Move “Checking your credit report twice a year for free helps spot any loans or cards you didn’t apply for.” to Future Me's calendar

Move “If a fight breaks out, call the police first — the one who strikes first almost always loses” to Future Me's calendar

Move “You may defend yourself against an unavoidable attack, but only strike the person who is actually attacking — stop when he stops.” to Future Me's calendar

Move “Who to hold accountable — unpaid wages, wrongful dismissal, financial losses — filing complaints, arbitration, or lawsuits instead of taking revenge” to Future Me's calendar

Move “Thoughts such as “find a scapegoat” or “die together” must be treated as a medical emergency: leave the scene, hand over car keys and knives to someone else, and call 12356.” to Future Me's calendar

Move “Family members say “no one will be safe” or “I’ll take the kids and leave” — don’t dismiss this as anger: close relatives can take such a person to the hospital, and police must respond to any emergency call.” to Future Me's calendar

Move “Don’t curse, spread rumors, or share unverified content online; if you’re a victim of online abuse, document evidence first then report it to police” to Future Me's calendar

Move “Read the document thoroughly before signing; never sign on behalf of others or on blank paper” to Future Me's calendar

Move “Write a clear loan agreement when lending money; think carefully before agreeing to be a guarantor” to Future Me's calendar

Move “Time limits for legal action: 3 years for civil lawsuits, 1 year for labor arbitration; once the deadline passes, a simple “statute of limitations exceeded” claim can block your case” to Future Me's calendar

Move “If you’re being sued or have a court order against you, report all your assets truthfully and repay as much as you can — don’t transfer your house or money to relatives, friends, or companies.” to Future Me's calendar

Move “If you’re subject to spending restrictions or listed on the dishonesty registry, first find out which rule applies and request removal if possible” to Future Me's calendar

Move “If scammed while shopping online or via second-hand markets, first file a complaint with the platform, then report it to police, and finally decide whether to sue.” to Future Me's calendar

Move “Think carefully before and after making large gifts in romantic relationships or marriage” to Future Me's calendar

Move “Transfer betrothal gifts via payment with clear notes; keep chat records; money demanded under marriage can be reclaimed” to Future Me's calendar

Move “No need to worry about premarital assets — clearly define property additions and parental contributions” to Future Me's calendar

Move “Check a person’s marital status before getting married; those who use marriage as a pretext to defraud money can be prosecuted for fraud.” to Future Me's calendar

Move “For home appliance repairs, vehicle inspections, and renovations: always ask for a quote first and stay on site throughout the process.” to Future Me's calendar

Move “Don’t be a “nominal legal representative” — don’t lend your ID to register a company” to Future Me's calendar

Move “Don’t carry items for strangers when traveling, and don’t accept packages of unknown origin” to Future Me's calendar

Move “Leashing dogs is mandatory: failure to do so means strict liability for any harm caused (you must pay compensation regardless of fault), and the obligation extends fully” to Future Me's calendar

Move “If the other person is intoxicated, unconscious, or under 14, do not have sex with them” to Future Me's calendar

Move “If someone threatens to call the police, post intimate photos, or inform your workplace unless you pay up — don’t give them a single cent and don’t delete any records; call the police right away.” to Future Me's calendar

Move “If someone falsely accuses you, you can seek legal consequences: up to 5 days of detention for minor violations, up to 3 years in prison for criminal acts” to Future Me's calendar

Move “Insufficient evidence alone warrants acquittal; coerced confessions must be excluded; appeals and retrials remain possible after conviction” to Future Me's calendar

Move “For individuals released from detention after a case is dropped, charges are withdrawn, or they are acquitted, applying for state compensation is possible — compensation is calculated on a daily basis.” to Future Me's calendar

Move “If you’re a victim seeking compensation, use channels like 12315, file a lawsuit, or hire a lawyer. Never meet the offending party alone, and don’t phrase “paying money” and “I won’t expose you” as a single condition.” to Future Me's calendar

Move “Cyberbullying: First enable protections, gather evidence, then choose between court injunctions, private prosecution, or police reports” to Future Me's calendar

Move “The legal route of “buying insurance for a family member first, then harming them” is completely blocked: you get zero money, and the perpetrator faces multiple charges including intentional homicide and insurance fraud.” to Future Me's calendar

Move “You must obtain a case receipt when reporting a crime; if no case is opened, you must receive a written notice. You can request a reconsideration within 7 days and a review within another 7 days. The procuratorate can also order the police to open a case.” to Future Me's calendar

Move “Don’t give money or cards to investigators, law enforcers: offering bribes is a crime, and bribing oversight, law enforcement, and judicial staff is punished even more severely.” to Future Me's calendar

Move “For calls and in-person talks where things might turn sour, start recording right away: you can record conversations you personally take part in without needing prior consent from the other party.” to Future Me's calendar

Move “In an emergency at the scene, first film a wide shot, then capture the spatial relationships, and finally record the damage and injuries — keep the original photos and videos.” to Future Me's calendar

Move “Domestic violence: Call the police to get an incident report, then apply to court for a protection order — no divorce required and it’s free” to Future Me's calendar

Move “Family members have gambling debts — don’t rush to pay them: gambling debts aren’t legally protected, nor are loans taken for gambling considered joint marital debts” to Future Me's calendar

Move “Do not lend your face, identity, or verification code for someone else's loan” to Future Me's calendar

Move “Use working door and window locks and lock them; a single alarm may not deter burglary” to Future Me's calendar