How do insurance companies confirm fraudulent insurance?

First of all, the surveyor of the insurance company or other personnel will initiate an internal investigation. The surveyor will take notes for the owner, collect evidence on the spot, and the traffic police team will collect evidence to monitor the accident site. If problems are found, they will report to the leader and communicate with the insured, hoping that he will give up the claim. If the insured is unwilling to give up the claim or has a tough attitude, if the insurance company does have evidence, the insurance company will also have a tough attitude. The insurance company will directly contact the Public Security Bureau for economic investigation. Once the insured claims from the insurance company, the consequences will be serious.

Immediately after the vehicle accident, protect the scene, rescue the wounded and property, and keep relevant evidence; Immediately report the case to the traffic management department of the public security organ. Call the insurance company to report the case (the car insurance card has the phone number of the insurance company), and bring the original insurance policy, driver's license, driving license and insured's ID card to the insurance company to formally report the case within 48 hours.

Claim skills

How to avoid unnecessary disputes and improve the efficiency of claim settlement? The auto insurance claims experts of Zhixin Classic Professional Auto Insurance Agency Company put forward several problems that need attention:

A clear copy of the "three certificates and one form" of the motor vehicle carried with the vehicle, namely the owner's ID card, driver's license, driving license and insurance policy. I would like to remind you that the insurance cards of many insurance companies are no longer used as proof of claims.

Second, it is very important to report accidents in time, especially major accidents. When you call an insurance company to report a case, you need to provide basic information such as policy number, time and place of the accident, and nature of the accident.

Three, temporary license vehicles generally only apply for short-term insurance, and there is a prescribed route and time, accident insurance companies will not be liable for compensation within the prescribed route and time.

Four, when the vehicle is out of danger in different places, it should be reported to the insurance company in a timely manner, and the loss-fixing personnel at the place where the vehicle is out of danger will conduct survey and determine the loss. The compensation fee is generally valued according to the industry standard of the place where the accident occurred. If local damage is found only after returning to the insured place, the insurance company can make up the compensation for this part of the repair fee.

Five, the insured if you want to entrust the repair shop for compensation, or the accident compensation fee directly allocated to the repair shop, should personally sign the power of attorney, and report to the insurance company for the record. Every time you sign a quality contract with the repair shop, you can safeguard your legitimate rights and interests.

There are three situations in which there are insurance claims in electric vehicle traffic accidents.

1. If the medical expenses insurance in health insurance is purchased, if the rider is hospitalized due to a risk accident of electric vehicle, the insurance company will bear a certain proportion of medical expenses according to the insurance contract.

2. If you buy accidental injury medical insurance, in most cases, the insurance company will also bear part of the outpatient expenses of the cyclist according to the insurance contract.

3. If the cyclist has no risk, but the electric car is damaged or the cyclist hurts passers-by, the insurance company will not pay for it. Even if you pay, it is under the condition of purchasing property insurance (the third liability insurance for electric vehicles).