You will drive away from the scene of the accident not far away, but you will still measure it according to the height and traces of the scene, which will have no effect. However, it is necessary to report the case within the reporting time stipulated by the insurance company. If the report is late, it is possible to deduct part of the exemption. The case is usually closed in a week or so, and it will take a little longer in special circumstances. You will receive the compensation in three or two days. The basic procedures of claim settlement work include: reporting the case, surveying and determining the damage, signing and hearing the claim documents, adjusting and reviewing, approving and paying the case. The general process of auto insurance claims is accident-reporting-investigation-loss determination-nuclear price-nuclear loss-nuclear compensation-compensation: an accident occurs. 1. Reporting: General insurance companies require reporting within 48 hours. (1) After the accident, the customer reported the case to the claims department of the insurance company; (2) After receiving the report, the background requires the customer to fill in the business accident registration form immediately (telephone and fax reports are filled in by the background); (3) According to the insurance certificate or policy number provided by the customer, the back office immediately consults and copies the policy, and copies the policy, the policy copy and the schedule. Check the premium charges, and the financial personnel shall sign the copy of the premium receipt (business and statistics) for confirmation (the special payment book shall be accompanied by an agreement or agreement); (4) Confirm that the subject matter insured has been specially paid during the insurance period or before the accident, and ask the customer to fill in the Accident Filing Inquiry Form and file a case (such as the surveyor is responsible for asking the customer to fill it by telephone or fax), and fill in the filing number in the order of reporting; (5) Issue claim documents. After filing the case, issue relevant claims documents to the insured to inform the procedures and methods of claims (telephone, fax, etc.). Are reported by inspectors); (6) Notify the inspectors and report the loss and the location of the accident. The above work will be completed within half a working day. [3]2. Survey and damage assessment (1) After receiving the back office notice from the insurance company, the surveyors should complete the site survey and damage assessment within 1 working days (the inspection of the subject matter with damage assessment in different places can be entrusted to the local insurance company to complete within 3 working days); (2) Ask customers to provide relevant documents; (3) Guide customers to fill in relevant claim documents. (3) Sign and review the claim documents (1) The sales department and the backstage staff of all insurance branches review the claim documents submitted by customers, explain the documents that need to be supplemented to customers with incomplete procedures, and return them to customers. For claims with complete documents, you should sign the "accident report (claim) book" (in duplicate) and return the yellow copy to the insured. (2) After sorting out the attached documents and materials, submit them to the Claims Division of the Property & Casualty Department. 4. Review (1) After receiving the information submitted by the back office, the manager of the compensation department will review it, and the documents with complete procedures will be signed in the handover book; (2) All claims must be adjusted within 3 working days and submitted to the head of the compensation department for review. 5. Approve (1) the claims within the authority of the Property & Casualty Department and submit them to the manager in charge of claims for approval; (2) Report the authority of the Property Insurance Department step by step. 6. Pay the case? (1) The person in charge of the compensation division will submit the number of the compensation case that has completed the examination and approval procedures and the compensation receipt and calculation form to the financial department for transfer; (2) After the financial department confirms the payment, except the red copy of the payment receipt and the calculation, the rest will be taken back. Claim settlement in different places 1: report the case. The insured can report the case through the hotline service of the insurance company, which is the necessary process for handling the claim for auto insurance in different places. It is related to whether the owner can enjoy the claim service, and the reporting time will directly affect the claim time. Two: investigation and damage assessment. The staff of the nearest insurance company outlet can survey and determine the damage, which is the key to claim compensation. Three: nuclear price and nuclear loss. Fourth, the insured submits the claim data to the insurance company outlets, and the staff uploads the data to the auto insurance claim management system. Fifth, the claim adjuster examines, adjusts and compensates the claim according to the materials received. Six: the insured can get compensation from the nearest outlet or through transfer. Unilateral accident compensation procedure refers to a unilateral traffic accident that does not involve personal injury or property loss of a third party. For example, accident handling and insurance claim procedures are the most common accidents. Because it does not involve the third party's damage compensation, it only causes damage to the insured vehicle, and the accident responsibility is fully borne by the insured vehicle, so the accident handling is very simple. 1. After the accident is reported, keep the scene of the accident and report it to the insured insurance company immediately. 2. If the accident is handled at 1 site and the loss is relatively small (within 10000 yuan), the insurance company will send people to the site for investigation and issue a survey report. 2. If the loss is large (more than 10,000 yuan), if the surveyor thinks it necessary to report it to the traffic police, he will report it to the traffic police department, and the traffic police department will go to the scene to investigate and collect evidence. And issue an accident certificate. 3. Fixed loss repair 1. The owner will send the vehicle to the loss center and notify the insurance company. Fixed loss 2. The repair shop repairs cars. The owner picks up the car 4. Submit claim data: collect claim data and submit it to the insurance company for claim settlement. 5. Loss adjustment The insurance company makes adjustment after receiving the complete claim documents to determine the final compensation amount. 6. The financial personnel of the compensation insurance company will transfer the compensation to the bank account designated by the owner according to the amount adjusted by the claimant. Claim procedure 1. Report 1. After the accident, keep the scene of the accident and report it to the insurance company of the vehicle immediately; 2. If the third party loses road facilities or the third party loses vehicles, it shall report to the traffic police department; 2. On-site handling-1. Insurance company personnel arrive at the scene and issue a survey report. 2. The traffic police department arrived at the scene and issued an accident certificate. Reminder: Under normal circumstances, if the insurance company requests to report the case to the traffic police, the insurance company personnel do not need to go to the scene to deal with it! Third-party maintenance 1. If the third party is not a motor vehicle, it is best to ask the insurance company personnel to directly reach the nuclear loss price recognized by the third party (the third party, the insurance company and the owner) during the on-site treatment. If it is impossible to verify the loss on the spot, the insurance company is required to give a nuclear loss price prompt when verifying the third party's loss or during the verification process: if the insurance company does not allow it, it will promise the third party the claim amount itself. Insurance companies have the right to overturn this promise. If there is a gap between the re-approved price and the requirements of the third party, the difference shall be borne by the owner. 2. If the third party is a motor vehicle, it is divided into the following two situations: First, if the third party agrees to go to the repair shop selected by the owner for repair, it is not necessary to pay any cash to the third party on the spot! Second, if a third party requests to go to a repair shop of its own choosing, that is to say, when the third party will go to a different repair shop with the owner to repair the vehicle, the third party may ask the owner to pay part of the repair cost at the scene of the accident, or call it a deposit or security deposit (for fear that the owner can't be found afterwards or the owner will not admit it afterwards), remember: First, if you pay the money on the spot, you must issue a receipt; Second, it is more appropriate to pay half of the maintenance cost (because it is possible that the third party will not accept the account afterwards). Reminder 1: After the maintenance of the third-party vehicle is completed, the owner must pay the maintenance fee to the third party or the repair shop of his own choice before making insurance claims. If the third party fails to provide relevant information or can't find a third party afterwards, reminder 2: Although it is mentioned above that the third party needs to issue a receipt for on-site payment, although this receipt can't be used as the basis for compensation, at least it can avoid the situation that the third party refuses to pay afterwards. Because after the third party repairs, the owner must pay the repair fee to the third party or the repair shop selected by the third party. Without this receipt, in case the third party refuses to pay, how much should the owner pay after the third party's vehicle is repaired? Four. Repair vehicle damage 1. Send the damaged vehicle to the damage assessment center and notify the insurance company to assess the damage; 2, the repair shop repairs the car; 3. The owner picks up the car. V. Submission of claim documents: Collect claim information and submit it to the insurance company for claim settlement. Loss adjustment of intransitive verbs The insurance company will make adjustments after receiving all the claim documents to finally determine the final amount of compensation. 7. Indemnity: The financial personnel of the insurance company will transfer the indemnity to the account designated by the owner according to the amount calculated by the adjuster. Multi-party accidents (casualties) refer to double and multi-party traffic accidents involving casualties. Example 1: pedestrian collision, pedestrian injury. This kind of accident involves casualties, so it is more complicated to deal with. Accident handling and insurance claim procedures. 1. After reporting the case, the vehicles of all parties to the accident should stop at the same place, keep the scene of the accident and report to the insurance company and the traffic police department immediately; Reminder: If there are casualties, they should be sent to the hospital immediately. Unless the incident area is desolate or there is no car passing by, try not to move the accident car. Because if the injured person is taken to the hospital by an accident car, the responsibility for the accident will not be determined. The second is to deal with the traffic police department on the spot to investigate and collect evidence, and temporarily detain the accident vehicle, driver's license and accident vehicle driving license. Under normal circumstances, the surveyors of accident insurance companies handled by the traffic police do not need to go to the scene for investigation. 3. Responsibility Identification The traffic police department makes a responsibility judgment according to the accident situation, and delivers the "Responsibility Identification Letter" to all parties; If a party refuses to accept the determination of the accident liability, it shall file a reconsideration or bring a lawsuit to the people's court within 15 days after receiving the Responsibility Confirmation. Four. Treatment of the wounded 1. The injury diagnosis doctor examines the injured person, issues a Medical Record and a Diagnostic Certificate, and makes a decision on whether to be hospitalized. 2. Residents treat the injured. 3. Discharge procedures If the attending doctor thinks that the injured person does not need to continue hospitalization, he should go through the discharge procedures for the injured person and issue a discharge certificate, indicating the matters needing attention, rest time, nursing time and nursing number after discharge. If the attending doctor thinks that the injured person does not need hospitalization, and the injured person refuses to go through the discharge formalities, the compensation obligor shall notify the traffic police department, and the compensation obligor may not be liable for compensation from the date when the autonomous doctor proves that the injured person can be discharged from the hospital, and the insurance company will not compensate. If the injured person needs to continue treatment after discharge, the doctor will issue a certificate of the estimated cost of continuing treatment, and the insurance company can pay a reasonable fee. 4. After the treatment of disability assessment, the injured person can go to the relevant appraisal institution for disability assessment. Those who have reached the level of disability shall obtain a certificate of disability level. 5. Medical insurance and prepaid expenses. When the parties are unable to bear the medical expenses, they can apply to the insurance company for prepayment of medical expenses. With the medical expenses estimation certificate issued by the doctor and the list of paid expenses, they can get the prepayment not exceeding 50% of the required expenses. 6. During the treatment of the injured, the medical nuclear damage insurance company will send medical nuclear damage personnel to the hospital and the traffic police brigade to understand the injury and treatment of the injured, and estimate and supervise the treatment expenses. V. Vehicle damage assessment and repair 1. Send the vehicle to the damage assessment center and notify the insurance company to assess the damage in time; 2, the repair shop repairs the car; 3. The owner picks up the car. Vi. Compensation Mediation 1. After the injured person is treated, the parties to the accident may apply to the traffic police brigade for compensation mediation procedures or bring a lawsuit to the court. The court and the traffic police brigade will conduct compensation mediation according to the certification materials provided by the parties to the accident and relevant compensation standards and regulations. If the parties are not satisfied, they can bring a lawsuit to the higher people's court. 2. When an accident involving insurance compensation is brought to court, you can request the insurance company to be the second defendant or the third party (the court in Xiamen Island only allows the insurance company to be the third party and the defendant outside the island). Seven. File a claim, pay off the related expenses, collect the information required for the claim and submit it to the insurance company for claim procedures. Eight. Loss adjustment After receiving all the claim documents, the insurance company starts to adjust to determine the final amount of compensation. Nine. Compensation-the financial personnel of the insurance company will transfer the final compensation to the account designated by the owner according to the amount adjusted by the adjuster. Parking accident Parking collision refers to an accident in which a vehicle is hit by an unknown object when it is parked unattended, resulting in vehicle damage. For example, the vehicle collided with a third-party vehicle in the parking lot and was damaged, but the third-party vehicle could not be found. Note: In this case, the insurance company only bears 70% of the compensation liability! Accident handling methods and insurance claim procedures. After reporting the case, keep the scene of the accident and report it to the insurance company immediately. 2. On-site handling insurance company personnel arrive at the scene for investigation and issue a survey report. At the same time, according to the requirements of the appraisers, they will issue accident certificates to the police station or traffic police department. If the accident certificate cannot be issued, the insurance company will not accept the payment. 3. Repair vehicle damage 1. Send the vehicle to the loss assessment center and notify the insurance company to assess the loss; 2, the repair shop repairs the car; 3. The owner picks up the car. 4. Submit claim documents: collect claim information and submit it to the insurance company for claim settlement. 5. Loss adjustment After receiving all the claim documents, the insurance company will start to make adjustments to determine the final amount of compensation. 6. The financial personnel of the compensation insurance company will transfer all the compensation to the account designated by the owner according to the amount adjusted by the adjuster. The whole car was stolen and robbed.