据澎湃新闻，1月29日，“金晨被曝疑似涉嫌交通肇事逃逸”事件引发各界关注。

Chinese actress Jin Chen has come under public scrutiny following media reports alleging her possible involvement in a hit-and-run incident and an attempted driver substitution.

金晨 资料图

有消息称，在事故处理结束后，保险公司在理赔调查阶段调取交警监控时发现，实际驾驶人并非徐长青，而是车主金晨本人，保险公司随后向交警部门报案。金晨方面曾联系保险公司要求撤案，保险公司经考虑后撤销了该报案。

记者从相关保险公司获悉，该理赔报案发生后，当地机构按照流程进行现场查勘服务，过程中客户放弃索赔，公司依照程序对理赔报案予以撤销。

The controversy surfaced on Thursday after online reports claimed that during an insurance investigation, traffic police surveillance footage indicated the actual driver was the car owner rather than Xu Changqing. The insurer reported the discrepancy to traffic authorities but later withdrew the report after communicating with Jin's side.

The insurance company said it conducted an on-site assessment after the claim was filed and subsequently canceled the case after the client chose to abandon the claim.

律师：若顶包属实，

涉嫌多项违法行为

据封面新闻，四川一上律师事务所合伙人林小明律师表示，若当事人肇事逃逸且找人顶包属实，已涉嫌多项违法行为——

林小明称，此事主要分两种情况分析，一是肇事逃逸，二是找人顶包，具体处罚看实际情形。

Legal experts said that if fleeing the scene and arranging a stand-in driver are confirmed, multiple violations could be involved. Lin Xiaoming, a Sichuan-based lawyer, noted that liability should be assessed separately for hit-and-run and driver substitution, depending on the consequences.

关于肇事逃逸：如果事故造成人员重伤、死亡，构成交通肇事罪，肇事者会被判处3年以下有期徒刑；逃逸致人死亡的，刑期在7年以上。即便没构成犯罪，逃逸者也需负事故全部责任，还要被罚款、拘留，并且吊销驾驶证。

关于顶包：如果找人顶包行为被确认，那么顶包的人也涉及构成包庇罪。一旦定罪，顶包者会被判处3年以下有期徒刑；情节严重的，刑期在3至10年。

Lin said accidents resulting in serious injury or death could lead to criminal charges, with prison terms ranging from under three years to more than seven years. Even if criminal thresholds are not met, those who flee the scene may still face full liability, fines, detention and license revocation.

Individuals who take responsibility on behalf of the driver could be charged with harboring a suspect, punishable by up to three years in prison or longer in serious cases.

此外，网友关心的“一年前的事现在被曝，是否会被处罚”问题，林小明律师表示，核心看行为是否构成犯罪。

“若只是普通交通违法，不构成犯罪，属于行政违法。行政追责时效为6个月，一年后一般不再给予行政处罚，但民事赔偿（人身损害、财产损害均为3年追责时效）仍可主张。 ”

如果当事人的行为构成交通肇事罪、包庇罪，相关罪名追诉时效远超过1年。也就是说，即便当时未立案，目前仍可追究刑事责任。“若当时已立案或肇事者逃避侦查，将不受追诉时效限制，责任人终身可被追责。”林小明律师表示。

Addressing whether conduct from a year ago can still be penalized, Lin said the key factor is whether the behavior constitutes a crime. Administrative violations are generally subject to a six-month limitation period, while civil compensation claims typically carry a three-year time limit. Criminal cases, however, are governed by much longer statutes of limitation, and if a suspect evades investigation, criminal liability may be pursued indefinitely.

另外，平安车险客服表示，根据规定，若驾驶员在事故中存在逃逸行为，保险公司将不予理赔。

A customer service representative from Ping An's auto insurance division added that under current rules, insurers will deny compensation if a driver is found to have fled the scene.

湖南金州律师事务所谢博洪律师则称，对于事件最终真相如何，大家应以交警部门的调查结论为准。

但是提醒大家，在发生交通事故后应当如何正确处理？核心原则：遇事冷静，救人报警，绝不逃逸。依法处理是最大保障，逃逸将面临法律、经济与人生的全面崩盘。

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