First, the basic process of insurance claims The first thing after a traffic accident is to report the case in time. In addition to reporting traffic accidents to the traffic management department, it is also necessary to report to the insurance company in time. On the one hand, let the insurance company know that the insured has a traffic accident, on the other hand, you can ask the insurance company how to handle and protect the scene, and the insurance company will teach the riders how to ask the other party for the accident certificate. Basic process of owner's claim: (1) Show insurance documents. (2) show your driver's license. (3) show your driver's license. (4) Show the identity card of the insured. (5) show the insurance policy. (6) Fill in the accident report form. (7) Fill in the details of the accident. (8) Fill in the informant, driver and contact telephone number in detail. (9) Check the appearance of the vehicle and take photos to determine the damage. (10) The adjuster leads the owner to check the appearance of the vehicle. (1 1) Take photos to investigate the damage according to the contents of the report filled out by the owner. (12) The adjuster reminds the owner whether there are valuables on the vehicle. (13) sent to the maintenance station for maintenance. (14) The claim adjuster issues a task list to determine the maintenance items and maintenance time. (15) Owner's signature. (16) The owner handed over the vehicle to the maintenance station for maintenance. The above is what car owners and insurance company adjusters must do. Facts speak louder than words. Car owners must pay attention to the preliminary work and avoid the trouble and passivity when making claims afterwards. Secondly, we should communicate with insurance companies in time. Car is mainly to actively assist insurance companies to complete vehicle survey, photography, damage assessment and other necessary work. Before closing the case, you should know how much responsibility you should bear in the accident, how much you lost, and how much the compensation fee for the injured person is, and then ask the insurance company what can and can't be compensated to minimize the loss. At the same time, when looking for a rescue company trailer and repair shop to repair the car, the owner should communicate with the insurance company on the price issue in time to avoid a big difference between the quotation of the rescue company or repair shop and the compensation price of the insurance company. For the loss of the vehicle that was not found during the damage assessment, the insurance company should be informed in time, and the insurance company will conduct a second survey to determine the damage, so that the owner does not have to pay for this extra loss. Because the insured accident is damaged or the property of a third party is damaged, it should be repaired as much as possible. Before repair, the insured shall check with the insurance company to determine the repair items, repair methods and repair costs. If the customer repairs by himself, the insurance company will re-approve or even refuse to pay compensation. After the vehicle is repaired, it is necessary to check the repair quality before paying the repair fee and going through the formalities of picking up the car. Finally, remind car owners not to have two extremes after a traffic accident: (1) After a traffic accident, they like to solve their own problems, that is to say, they think it is a waste of time to settle claims, and they would rather waste these hours arguing with the other car owners. As a result, the settlement time is delayed again and again, and often both ends are not compensated, and the bitter water can only be swallowed. Therefore, in the event of a traffic accident, it is best not to be selfish, let alone swallow it. (2) Even the slightest scratch should be paid by the insurance company. Doing so will not only waste time, but also increase its own claim rate, because insurance companies will have a certain discount every year according to the owner's risk rate. Let's take Pacific Insurance Company as an example. Pacific Insurance Company stipulates that after the insured vehicle has been out of danger for three times, from the fourth accident onwards, the insurance company will increase the deductible by 5% for each additional insured accident, and the maximum deductible within one year will be 15%. From this point of view, it is not worth paying for that small loss. Therefore, it is suggested that car owners do not need to waste energy in the case of small losses. Second, the basic knowledge of auto insurance claims (1) Reporting methods: telephone reporting, online reporting, reporting to insurance companies, and reporting by claim adjusters. (2) After the insurance accident, notify the police station or criminal police team within 24 hours, and notify the insurance company within 48 hours. (3) Time limit for claim settlement: If the insured fails to make a claim with the insurance company within 3 months from the date when the insured vehicle is repaired or the accident is settled, or fails to receive the due compensation within 1 year from the date when the insurance company notifies the insured to receive the insurance money, it will be deemed as automatic waiver. When a vehicle crashes into a wall, steps, cement injection, trees and other accidents that do not involve compensation for others, it is not necessary to report the case to the traffic police and other departments, but directly report the case to the insurance company in time. Wait for the people from the insurance company to explore near the scene of the accident, or drive to the insurance company to report the car for inspection. ... class =' class1' > Basic knowledge of traffic accident claims (1) Reporting methods: telephone reporting, online reporting, reporting to insurance company, reporting to claim adjuster ... (2) After the insurance accident, notify the police station or criminal police team within 24 hours, and notify the insurance company within 48 hours. (3) Time limit for claim settlement: If the insured fails to make a claim with the insurance company within 3 months from the date when the insured vehicle is repaired or the accident is settled, or fails to receive the due compensation within 1 year from the date when the insurance company notifies the insured to receive the insurance money, it will be deemed as automatic waiver. When a vehicle crashes into a wall, steps, cement injection, trees and other accidents that do not involve compensation for others, it is not necessary to report the case to the traffic police and other departments, but directly report the case to the insurance company in time. Wait for the people from the insurance company to explore near the scene of the accident, or drive to the insurance company to report the car for inspection. ... full text > > traffic accident insurance claim procedure 1, report the case in time. After a traffic accident, the driver immediately reported the case to the traffic accident handling organ, and promptly reported the case to the insurance company that underwrites the vehicle. 2. Investigate and determine the damage. After receiving the report, the insurance company quickly dispatched a claim adjuster to investigate the accident. For damaged vehicles and property, the amount of loss shall be verified according to regulations. 3. Rescue treatment. Anyone who is injured should call 120 to go to the hospital for first aid ... Full text >> Provisions on claims of traffic accident insurance Article 21 If a road traffic accident occurs in an insured motor vehicle, causing personal injury or property loss to victims other than the vehicle personnel and the insured, the insurance company shall make compensation within the limits of compulsory motor vehicle traffic accident liability insurance according to law. The loss caused by the road traffic accident is intentionally caused by the victim, and the insurance company will not compensate. Article 22 Under any of the following circumstances, the insurance company shall pay the rescue expenses in advance within the limit of the compulsory motor vehicle traffic accident liability insurance, and shall have the right to recover from the victims: Article 23 The compulsory motor vehicle traffic accident liability insurance shall implement a unified national compensation limit. The liability limits are divided into death and disability compensation limits, medical expenses compensation limits, property loss compensation limits and compensation limits for which the insured is not liable in road traffic accidents. The liability limit of compulsory motor vehicle traffic accident liability insurance is stipulated by China Insurance Regulatory Commission in conjunction with the State Council Public Security Department, the State Council Health Department and the State Council Agriculture Department ... We firmly believe that no driver wants to have traffic accidents, but traffic accidents still happen every day. In addition to the above-mentioned compliance driving and safe driving, in case traffic accidents still happen to us, how should we resolve the risks brought by the accidents? 1. preventive measures-how can motor vehicle drivers effectively transfer accident risks? Motor vehicle insurance is undoubtedly the most feasible way to transfer accident risk, so motor vehicle drivers and cars mainly match the types of insurance reasonably, and transfer accident risk to the maximum extent on the premise of saving insurance premiums as much as possible. How to choose a suitable insurance for your car correctly can not only minimize the loss, but also save money ... Full text >> After argumentation and resource integration, Xiamen Public Security Traffic Management Bureau and Xiamen Insurance Industry Association have reached an agreement with PICC P&C Insurance, CPIC Property Insurance, Ping An Property Insurance and Tianan Insurance, and the scope of application of the Measures for Handling Insurance Claims on the Spot in Road Traffic Accidents will be changed from/kloc- Xiamen Traffic Police has made it more convenient for customers to claim for auto insurance since it implemented the simple handling of road traffic accidents on June 5438+ 10/2003. For more than a year, the traffic police have accumulated some experience through field operation. With the support of the traffic police, the insurance industry has successively launched supporting services such as rapid loss determination center and accident vehicle disassembly verification center. ..
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