If you accidentally hit the car into a wall or tree, report it immediately;
In case of intimate contact, both parties should carefully negotiate to determine the responsibility for the accident, and if they have the responsibility, report it to the insurance company. If they have no responsibility, they don't have to report to the company you insured, but they should assist the other party to report to their insurance company.
If the responsibility is unclear, inform the traffic police, and the traffic police will handle it and issue proof materials.
(2) Report
After the accident, you should report it to the insurance company immediately. On the one hand, you should inform the insurance company, on the other hand, you should seek the opinions of the insurance company's claims personnel and clarify the types of accident certificates that need to be provided.
When reporting the case, you should bring the insurance policy, driving license, driver's license of the accident driver and the identity card of the insured;
Generally, you can report the case by telephone, but you should go to the insurance company or the loss-fixing sub-center authorized by the insurance company for written reporting procedures in the shortest time. You should fill in the report registration form or danger notice.
Note: Be sure to report the case to the insurance company within 48 hours. If the loss is not large, you should also report the accident to the insurance company by phone, telling the accident and the approximate loss, so that the insurance company can register for the record, so that you can claim compensation from the insurance company at your convenience without exceeding the time of claim settlement.
(3) Investigation
The claim adjuster of the insurance company or the surveyor of the authorized loss assessment sub-center takes photos of the accident vehicle to determine the maintenance items, maintenance methods and maintenance prices.
Note: Before repairing the accident vehicle, the claim adjuster of the insurance company or the surveyor of the authorized damage assessment sub-center must take photos and assess the damage of the accident vehicle. Otherwise, you will encounter all kinds of troubles when you claim.
(4) Nuclear leakage
The loss-determining personnel of the insurance company shall review the repair cost, insurance liability identification and claim notice of the survey data submitted by the survey personnel.
5] After the loss list is issued by the adjuster of the repair insurance company, you can choose the repair shop to repair the accident vehicle within the repair cost limit, or you can go to the secondary repair shop recommended by the insurance company for repair.
Note: at present, insurance companies are not allowed to designate repair shops. You have the right to choose. Of course, if the insurance company recommends a professional chemical plant with a very good reputation, you can save the trouble of paying the repair fee in advance.
[6] Submit claim materials.
After the car repair is closed by the public security department, all the claim materials can be handed over to the claim adjuster of the insurance company for claim settlement.
Once, submit the compensation for review after adjustment, and pay the compensation after passing.
Note: According to the insurance law, the insurance company should pay you compensation within 10 days after the claim documents are submitted completely and the two parties reach a compensation agreement.
When you receive the compensation, you should go through the following procedures.
Individuals: provide the original ID card of the insured and the original ID card of the claimant, and the power of attorney signed by the insured is also required for entrusting others to collect compensation.
Unit: carry the official seal or financial seal of the insured unit, or provide the Power of Attorney for Receiving Compensation stamped with the official seal of the insured unit and the original ID card of the payee.
Claims materials to be provided when settling claims for different accidents.
(1) General car damage cases
Need to provide:
① Original insurance policy;
(2) The accident responsibility confirmation, accident mediation or simple accident treatment or accident certificate issued by the traffic police team at the scene of the accident, or the agreement of the parties to solve the traffic accident by themselves, and the friendly accident records of both parties;
(3) Provide official invoices for vehicle maintenance (i.e. "special invoices for automobile maintenance industry");
④ List of repair materials;
(five) the settlement list;
⑥ List of motor vehicle insurance loss confirmation, repair items and parts replacement items; (If the insured is an individual, the insured needs to sign for confirmation; If the insured is a company, the official seal of the company is required. Some insurance companies call this kind of bill a "loss order" or a "entrusted repair order".
All landowners motor vehicle insurance claims application; (If the insured is an individual, the insured needs to sign for confirmation; The insured is a unit and needs to be stamped with the official seal of the unit. ) Some insurance companies are called danger notices.
(8) The motor vehicle driving license of the driver who caused the accident, the motor vehicle driving license of the insured vehicle and the identity card of the insured.
(2) Personal injury accidents involving third parties.
In case of personal injury accident, on the one hand, the site should be protected and marked; On the one hand, the wounded should be rescued immediately. At the same time, call the police at 122. Report the case to the insurance company and introduce the injured person in detail. In the process of accident handling, report the injury and accident handling to the insurance company in time. Before the accident is closed, you should be clear about your responsibilities, approximate losses, items that need compensation, etc. In the event of an accident, consult the claim adjuster of the insurance company again. If the insurance company's claim adjuster explicitly agrees that compensation can be made, it can be accepted in the mediation process; If the insurance company doesn't agree, it should continue to do the work so as not to cause its own losses to increase.
Need to provide:
① Original insurance policy;
(2) The accident responsibility confirmation, accident mediation, simple accident treatment, accident confirmation and economic implementation certificate issued by the traffic police team at the scene of the accident; If a court decision is passed, a judgment is also needed; The "economic execution voucher" is a voucher printed by the traffic police department when you pay the victim.
(3) Receipts of cases, diagnosis certificates, discharge notices, medical expenses, hospitalization expenses, etc. issued by medical institutions (prescription, treatment and medication details shall be attached).
(4) The income certificate issued by the victim's labor department, nursing staff and personnel involved in accident handling (if the income exceeds the tax amount, submit the tax payment certificate); If there is no fixed income, valid proof of the average income in the last three years shall be provided.
⑤ Disabled persons must provide forensic disability certificates, and the deceased must provide death certificates.
⑥ Certificate of dependents and victim's family issued by the household registration police station; No ability to work, but also need to provide proof issued by medical institutions at or above the county level.
⑦ If disabled people need to prepare appliances for disabled people, they need to provide certificates issued by medical institutions at or above the county level, written opinions issued by auxiliary appliance preparation institutions and purchase invoices.
(8) vouchers for reimbursement of transportation and accommodation expenses.
Pet-name ruby "motor vehicle insurance claims application".
Attending the driver's motor vehicle driving license, the motor vehicle driving license of the insured vehicle and the identity card of the insured.
(3) the documents required for the whole vehicle robbery accident.
General process:
At present, after the burglary accident, the procedure is more convenient.
* Once you find that you can't find your car, you can call110 immediately; And report the case to the insurance company;
* After the police arrived, make a record of the report. At the same time, go to the Xing Police Force where the case occurred to fill in the written report registration and obtain the receipt of the case acceptance. Some district and county public security bureaus provide convenient service measures for reporting and registering at home.
* Generally, you have to wait 60 days or 3 months after registering a report (the terms of each insurance company are different). While waiting for the claim, on the one hand, I have to go to the railway bureau to obtain the transaction certificate of Beijing highway maintenance fee; On the one hand, you should check whether your vehicle driving license, car purchase invoice or other proof of motor vehicle origin, vehicle purchase tax payment certificate and voucher or vehicle purchase tax payment certificate, vehicle purchase tax payment certificate or tax exemption certificate, motor vehicle registration certificate and other procedures are complete. If it is lost with the vehicle, it should be reissued immediately. If the driving license and vehicle registration certificate are lost, you can issue a certificate to the vehicle management office; If the vehicle purchase surcharge payment receipt and voucher or the vehicle purchase tax payment certificate, vehicle purchase tax payment receipt or tax exemption certificate are lost, it shall go to the vehicle purchase tax registration department to reissue or issue a tax payment (tax) certificate. If the car purchase invoice is lost, the invoice stub should be copied at the place where the car is purchased and stamped with the seller's invoice special seal. It's really troublesome. Don't leave the important documents of the vehicle in the car.
* After 60 days or 3 months, you can file a claim with the insurance company.
Need to provide:
(1) the original insurance policy.
② Motor vehicle driver's license.
(3) proof of the origin of the motor vehicle (such as the purchase invoice).
(4) Vehicle purchase surcharge payment receipt and voucher or vehicle purchase tax payment voucher and vehicle purchase tax payment receipt or tax exemption voucher.
(5) Proof of filing a robbery case issued by the public security criminal investigation department at or above the county level in a dangerous place; (If it is lost in Beijing, the insurance company can download it automatically through the public security network, and customers don't have to run away. )
⑥ Motor vehicle registration certificate.
⑦ Beijing Road Maintenance Fee Transaction Certificate issued by the Railway Bureau.
(8) motor vehicle insurance claims application.
Pet-name ruby "motor vehicle insurance rights transfer"; (If the insured is an individual, the insured needs to sign for confirmation; If the insured is a company, the official seal of the company is required. )
Attending some insurance companies also need to provide car keys, newspaper statements and other materials.
(4) Claims documents required for vehicle fire accidents.
Once the vehicle catches fire, on the one hand, put out the fire as soon as possible, on the other hand, report to 1 19, and report to the insurance company at the same time. Cooperate with the insurance company to take photos to determine the damage of burning vehicles; Choose your own repair shop or go to the repair shop recommended by the insurance company to repair the car; If the vehicle has no repair value, it should be carefully negotiated with the insurance company to determine the compensation amount; Please ask the fire department to issue a fire certificate. Submit claim materials to the insurance company.
Need to provide:
(1) the original insurance policy.
(2) the fire certificate issued by the public security fire department.
(3) motor vehicle insurance loss confirmation, repair project list, parts replacement project list. (4) motor vehicle insurance claims application.
⑤ Provide official invoices for vehicle maintenance (i.e. "special invoices for automobile maintenance industry"), lists of maintenance materials and settlement lists.
⑥ The driver's motor vehicle driving license, the motor vehicle driving license of the insured vehicle and the identity card of the insured.
5] Unable to find the documents required for the third-party accident.
(1) the original insurance policy.
(2) Certificate of accident cause and accident responsibility issued by the traffic police team or police station in dangerous places.
(3) motor vehicle insurance loss confirmation, repair project list, parts replacement project list.
(4) Provide official invoices for vehicle maintenance (i.e. "special invoices for automobile maintenance industry"), lists of maintenance materials and settlement lists.
(5) motor vehicle insurance claims application.
⑥ Motor vehicle driver's license, motor vehicle driver's license for insurance vehicles and ID card of the insured.
[6] Documents required to cause property damage to a third party.
Protect the scene, rescue the damaged property and prevent the loss from expanding. At the same time, notify the traffic accident handling department and the insurance company, and the insurance company will take photos to determine the damage. Provide the following documents and materials to the insurance company.
Materials to be provided:
(1) the original insurance policy.
(2) certification materials issued by the public security or competent department in charge of accidents in dangerous places.
③ Motor vehicle insurance claims application.
(4) The overall cost and loss of equipment.
⑤ Budget of equipment recovery project.
⑥ List of property losses.
All landowners purchase and repair of damaged property related expense documents.
(8) The motor vehicle driving license of the driver who caused the accident, the motor vehicle driving license of the insured vehicle and the identity card of the insured.
(7) Documents required for the insured vehicle to suffer from natural disasters such as storms and rainstorms.
On the one hand, rescue damaged vehicles, especially vehicles soaked in rain, and never start again; On the one hand, report the case to the insurance company immediately. In case of regional disasters, on the premise of reporting the case to the insurance company in time, the insurance company can obtain the meteorological certificate according to the first-class accident without you running back and forth.
Documents to be provided:
(1) the original insurance policy.
(2) Certification materials issued by the meteorological department (depending on the specific situation, it is up to you to negotiate with the insurance company to determine whether it is necessary and who will provide it).
(3) motor vehicle insurance loss confirmation, repair project list, parts replacement project list.
(4) Provide official invoices for vehicle maintenance (i.e. "special invoices for automobile maintenance industry"), lists of maintenance materials and settlement lists.
(5) motor vehicle insurance claims application.
⑥ Motor vehicle driver's license, motor vehicle driver's license for insurance vehicles and ID card of the insured.
(8) Documents required for the accident of the insured vehicle in Waifu.
What should I do if the vehicle is in danger in other places? Don't worry, handle it according to the following methods:
First of all, don't worry after the accident. If there is a traffic accident, you should call the police immediately. Those who hit people should immediately rescue the injured, protect the scene and report to the traffic police. Immediately report the case to the insurance company and ask how to deal with the accident.
If the vehicle requires repair in Beijing:
* If the vehicle can drive, drive back to Beijing for treatment. Don't forget to bring back the accident certificate.
* If the vehicle can't run, you can hire a local car to tow it back, or you can ask the insurance company to send a car to tow it back. The insurance company will pay the bill with the consent of the insurance company;
If the vehicle needs local maintenance:
* You can find a local insurance company to investigate and determine the damage. If the car is repaired in the repair shop recommended by the insurance company, the insurance company can also pay part of the repair fee according to the terms;
* Where there is no insurance company, you can ask the local insurance assessment agency recognized by the insurance company to investigate and determine the damage;
* You can take your own photos of the vehicle with the consent of the insurance company, and let the repair shop determine the items and amount that need to be repaired and replaced. After the insurance company agrees, it can repair the car first and return to Beijing to settle claims with photos, invoices, repair orders, accident certificates and other documents;
* The insurance company can send someone to the scene to help you deal with the accident.
Documents to be provided:
(1) the original insurance policy.
(2) the accident certificate issued by the public security traffic police department or the competent department of accident handling.
(3) photos of accident vehicles or damaged property.
(4) Proof materials such as site survey and damage assessment issued by the insurance company or the insurance assessment institution recognized by the insurance company.
⑤ Provide official invoices for vehicle maintenance (i.e. "special invoices for automobile maintenance industry"), lists of maintenance materials and settlement lists.
⑥ Motor vehicle insurance claims application.
⑦ The driver's motor vehicle driving license, the motor vehicle driving license of the insured vehicle and the identity card of the insured.
⑧ Other claims documents required by the insurance company.
(9) For cases involving subrogation, in addition to the certificates and documents required by the relevant cases, the transfer of motor vehicle insurance rights and interests shall also be submitted.
If your car is damaged by a "rookie" and this is a poor "rookie", I can't afford to pay for it. What shall we do? If you are insured with vehicle loss insurance, you can file a claim with your insurance company and give the relevant materials to the insurance company, telling the insurance company why the rookie doesn't compensate you, and the insurance company can compensate you under vehicle loss insurance according to this situation. To compensate you, you have to issue an equity transfer letter to the insurance company, that is, in this form, the right to recover from the rookie is transferred to the insurance company, and the insurance company compensates you and goes to the rookie to recover the losses he is responsible for.
Special note: The claims materials required for different accidents mentioned in the above interview are for reference only. In the actual situation, please communicate with your insurance company according to the specific situation before making a final decision.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.