Basic procedure of automobile insurance claim
The first step is to claim compensation.
After a traffic accident, the scene should be properly protected and reported to the insurance company in time. Road accidents should also be reported to the traffic department for handling. For non-road traffic accidents (such as vehicles hitting trees or walls due to driving), the safety committee shall issue certification materials.
The second step is to verify.
1. After receiving the report, the insurance company will send people to the site for investigation or to the traffic department to understand the accident situation, and at the same time, the vehicle will be damaged, the reasonable cost will be estimated, and the owner will be informed to go to the repair shop designated by the insurance company to deal with the accident vehicle. If the owner wants to repair it himself, he should go through the self-repair procedures and pay the repair fee.
If the loss is exceeded, the owner will pay for the excess.
2. Claims for third party liability shall also be determined by the insurance company according to law and paid according to the insured amount. An insurance company may refuse to pay the amount of compensation negotiated privately between the insured and a third party.
The third step is compensation: total loss.
1. If the insured amount is equal to or lower than the actual value at the time of the accident after the total loss of the insured vehicle, compensation shall be made according to the insured amount.
2. After the total loss of the insured vehicle, if the insured amount is higher than the actual value at the time of the accident, compensation shall be made according to the actual value at the time of the accident.
The fourth step is partial loss.
1. If the insured vehicle suffers partial losses, the insured amount reaches the actual value at the time of underwriting. No matter whether the insured amount is lower than the actual value of the accident, part of the loss shall be compensated according to the actual repair cost; The insured amount of the insured vehicle is lower than the actual insured value, and some losses are paid according to the insurance premium.
The proportion between the amount and the actual value at the time of the accident compensates the repair cost.
2. The maximum compensation limit for the loss of the insured vehicle is the insured amount.
3. When the total loss compensation or partial loss compensation of the insured vehicle is equal to the total insured amount, the vehicle loss insurance liability is terminated. However, during the insurance period, no matter one or more losses or expenses within the scope of insurance liability occur, as long as each compensation fails to meet the guarantee.
The insured amount, its insurance liability is still valid.
4. The remaining part of the insured vehicle after total loss caused by the insured accident shall be appraised by the insured through consultation and deducted from the compensation.
The fifth step is to spend time.
Within three months from the date of vehicle repair or traffic accident settlement, the insured shall go to the insurance company to receive compensation with the insurance policy, accident handling certificate, accident mediation book, repair list and other relevant certificates. Disputes with insurance companies can not reach an agreement, can be submitted to the economic contract arbitration organ.
Apply for arbitration or bring a lawsuit to the people's court.
Automobile insurance claim practice
1. When can I claim compensation?
(1) The car hit the wall (trees, concrete piers, railings, telephone poles and other objects).
(2) Collision with someone else's car.
(3) The car hit someone.
(4) The windshield of the car is broken.
(5) The driver or passenger is injured in the accident.
(6) Automobile spontaneous combustion.
(7) The car is lost (or robbed).
2. Claims procedure for wall collision accident
(1) Report the case
Take your insurance policy, driving license and driver's license to the insurance company.
Fill in the vehicle accident registration form and accident notice in the claims department.
(2) Fixed loss
Bring the vehicle accident registration form to the loss adjuster of the gambling department to determine the repair items and expenses. After the quota is fixed, you will be given a "quota loss list". Don't miss the repair items, and the repair fee can't be set too low.
(3) repairing cars
Submit the car to the repair shop together with the damage list. The repair shop repairs the car according to the damage list, and gives you a car pick-up slip as a car pick-up certificate.
After the car is repaired, pick up the car after paying the repair fee with the pick-up list, and ask the repair invoice, entrusted repair list, construction list and material list from the repair shop (all of which must be stamped with the official seal of the repair shop).
(4) issue an accident certificate
If the loss is not great, you can ask someone to write a third-party certificate casually; If the loss is large, the insurance company may ask you to provide the accident certificate issued by the traffic team or the safety Committee when making claims.
(5) Submission of documents
Submit the insurance notice, loss list, repair invoice, entrusted repair list, construction list, bill of materials, third-party certificate and claim list to the claims department of the insurance company.
6. Claims
After submitting the claim documents, I received the claim notice from the insurance company, with my ID card and vehicle accident registration form.
3. Documents required for claiming over the wall
(1) Danger notification: provided by the insurance company and filled in by the insured. If the vehicle is an organization, it needs to be stamped, and if it is an individual, it needs to be signed.
(2) The consignment note is provided by the insurance company and filled in and stamped by the repair shop. If the car is a unit, it needs to be stamped, and if it is an individual, it needs to be signed.
(3) "Fixed Loss Sheet": the insurance company provides the well to fill in and return it to the insurance company after the repair shop uses it.
(4) Repair invoice: provided by the repair shop.
(5) Construction Sheet: provided, filled in and stamped by the repair shop.
(6) Material list: provided by the repair shop, filled in and stamped by the well.
(7) Third-party certificate: provided by the insurance company. If the owner is a unit, it needs to be stamped, and if it is an individual, it needs to be signed.
(8) Compensation statement: provided by the insurance company. If the owner is a unit, it needs to be stamped, and if it is an individual, it needs to be signed.
4. Collision accident claim procedure
What should I do immediately after hitting someone?
Stop immediately, check the injury, report to the traffic team, protect the scene of the accident and wait for the traffic police to handle it. If the other party is slightly injured, you can wait for the traffic team to come and deal with it; If the other party is seriously injured, he should be sent to the hospital for treatment and rescue immediately. Try not to move the scene after the accident, because the traffic regulations stipulate: be good at it.
People who move from the scene should take full responsibility for the accident: if they have to move under special circumstances, the positions of vehicles and pedestrians at the scene at the time of the accident should be indicated.
After handling the scene and settling the injured, the traffic team will take the time to report to the insurance company, as long as it reports to the insurance company within 48 hours after the incident.
Collision claim procedure
(1) Report the case
Take your insurance policy, driving license and driver's license to the insurance company.
Fill in the vehicle accident registration form and accident notice in the claims department.
(2) the traffic team closed the case and issued an accident certificate.
Distinguish the responsibilities of both parties,
Review the items for which the other party claims compensation.
When compensating the other party's losses, you must ask for relevant documents, because without these documents, the insurance company will not pay.
Medical expenses (diagnosis certificate and medical expense receipt issued by the hospital are required).
Lost time (need to have a certificate issued by the hospital to rest for illness and a certificate issued by the other party's work unit).
Transportation expenses (tickets are required).
Disability allowance (disability certificate is required).
Death compensation (death certificate is required).
Ask the traffic team for accident certificate and economic compensation execution certificate.
The accident certificate requires that the responsibilities and compensation methods of both parties be clarified, and the economic compensation execution certificate requires that the specific compensation items and compensation amounts be clarified.
(3) Submit claim documents
The accident notice, diagnosis certificate, medical expense invoice, lost time certificate, accident certificate, compensation execution certificate and compensation notice shall be submitted to the insurance company.
4. Claims
After submitting the claim documents, you will receive a claim notice from the insurance company, and bring your ID card and vehicle accident registration form to make a claim.
Documents required for collision claim
(1) Danger notification: provided by the insurance company and filled in by the insured. If the car is a unit, it needs to be stamped, and if it is an individual, it needs to be signed.
(2) Diagnosis certificate: provided and stamped by the hospital.
(3) Invoice of medical expenses: provided and stamped by the hospital.
(4) Certificate of lost time: provided by the unit where the injured person works and stamped, indicating the lost time and monthly salary.
(5) Accident certificate: provided and stamped by the traffic team or the safety committee. Prove that both parties are responsible.
(6) Compensation execution certificate: provided and stamped by the traffic team or the safety committee to prove that compensation has been paid to the injured.
(7) Compensation statement: provided by the insurance company. If the car is an organization, it needs to be stamped, and if it is an individual, it needs to be signed.
Claim procedure of automobile spontaneous combustion
(1) Report the case
● Drive to the insurance company with insurance policy, driving license and driver's license. If the car can no longer run, protect the scene.
● Fill in the vehicle accident registration form and accident notice in the claims department.
(2) Fixed loss
Take the vehicle accident registration form to the claim adjuster in the claim department and give them a copy. If the vehicle loss falls within the compensation scope of spontaneous combustion loss insurance, the loss adjuster of the insurance company will determine the repair items and expenses and give you a "loss list". Note: Don't leave out maintenance items;
Don't set the repair fee too low, in case it is not enough when repairing the car.
(3) repairing cars
● Send the car, take the damage list and submit it to the repair shop. The garage will give you a car pick-up slip as a proof of car pick-up.
● Pick up the car. After the repair, pay the repair fee with the car bill, and ask the repair shop for repair invoices, entrusted repair orders, construction orders and material lists (all of which must be stamped with the official seal of the repair shop).
(4) Submission of documents
The accident notice, loss list, repair invoice, repair order, construction order, material list and claim list are submitted to the claim department of the insurance company.
5. Claim
After handing in the certificate, you will receive a claim notice from the insurance company, and bring your ID card and vehicle accident registration form to settle the claim.
Documents required for automobile natural claim
(1) Danger notification: provided by the insurance company and filled in by the insured. If the owner is a unit, it needs to be stamped, and if it is an individual, it needs to be signed.
(2) Repair order: provided by the insurance company, filled in and stamped by the repair shop. If the owner is a unit, it needs to be stamped, and if it is an individual, it needs to be signed.
(3) Fixed loss sheet; The insurance company provides and fills it in, and the repair shop will hand it over to the insurance company after use.
(4) repair invoices; Provided by the repair shop.
(5) Construction Sheet: provided, filled in and stamped by the repair shop.
(6) Bill of Materials: provided by the repair shop, filled in and stamped.
(7) Compensation statement: provided by the insurance company. If the car is an organization, it needs to be stamped, and if it is an individual, it needs to be signed.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.