The general process is as follows: 1, report the accident of the motor vehicle, repair the motor vehicle at station 2 and 4S, 3, the owner or authorized person of the motor vehicle, the receptionist at station 4S and the loss adjuster of the insurance company all agree to determine the loss, 4, the insurance company issues a loss report, and the motor vehicle is repaired, 5, and the owner provides relevant information to the 4S shop. 6. After the vehicle is repaired, the owner picks up the car and leaves, authorizing the 4S shop to claim compensation from the insurance company, and paying the compensation to the 4S shop account.
The basic process of insurance claim settlement: report-investigation-loss determination-maintenance-claim settlement.
Report: notify the traffic control department, insurance company and 4S shop.
Survey: the surveyor of the insurance company conducts a preliminary survey on the spot to determine whether it belongs to the insurance liability, whether the traces are consistent and whether the accident is true.
Fixed loss: go to the insurance company's fixed loss center or a 4s shop with fixed loss qualification to determine the loss.
Maintenance: Repair the lost vehicle.
Claim: provide relevant documents to the insurance company, and the insurance company will review the whole case and make compensation after approving the compensation.
Documents required for claim settlement of non-injury accidents: claim application, driver's license (original and photocopy), driving license (original and photocopy), traffic accident confirmation, traffic accident compensation mediation, court judgment (if there is any lawsuit), car repair invoice, original documents of rescue expenses and related expenses, compensation receipt, ID card, etc. The above is what the owner must prepare. Car owners must pay attention to the preliminary work to avoid the trouble and repeated fatigue when making claims afterwards.
1, filing review
After receiving the notice of danger, the insurer shall immediately send someone to conduct an on-site inspection to understand the situation and reasons of the loss, check the insurance policy and register it for the record.
2, audit certificates and materials
The insurer examines the relevant certificates and materials provided by the applicant, the insured or the beneficiary to determine whether the insurance contract is valid, whether the insurance period expires, whether the loss belongs to the insured property, whether the claimant has the right to claim compensation, and whether the place where the accident occurred is within the scope of insurance liability.
3, approved insurance liability
After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall, after checking the facts and reviewing all kinds of documents, promptly verify whether it should bear the insurance liability and how much insurance liability it should bear, and notify the insured or beneficiary of the verification result.
4. Fulfill the obligation of compensation
On the basis of verifying the liability, the insurer shall perform the obligation of compensation or payment of insurance benefits within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the amount of insurance and the time limit for compensation or payment, the insurer shall perform the obligation of compensation or payment of insurance benefits in accordance with the insurance contract.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.