How to compensate for the accident insurance for the elderly in the community

Legal analysis: 1. When planning accident insurance for the elderly, we should pay attention to the underwriting occupation stipulated in the insurance products. The general occupation of accident insurance for the elderly is 1-3 or 1-4. If it exceeds the occupational category, the insurance company will not pay after the accident, so pay attention when applying.

2. Try to provide accident proof. If it is a traffic accident, a traffic accident certificate must be provided. Only when the claim materials are complete can we get the claim money smoothly and the progress of insurance claim will not be delayed. Therefore, it is necessary to prepare relevant supporting materials in advance.

3. If it is a traffic accident, the other party shall take full responsibility and give the invoice to the other party. Go to the insurance company he insured for reimbursement first. After reimbursement, he will take the copy of the invoice and the claim calculation provided by the other party to the insurance company he insured to reimburse the rest.

Legal basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Personal Injury Compensation Cases Article 29 The death compensation shall be calculated according to the per capita disposable income of urban residents or the per capita net income of rural residents in the last year where the Court of Appeal is located, and the calculation period shall be 20 years. However, for those over 60 years of age, the age will be reduced by one year for each additional year; Seventy-five years of age or older, calculated by five years.