When the vehicle has an insurance accident and the loss is small, the owner can drive the car to the repair shop designated by the insurance company, where he has the right to bargain with the fixed loss and ask the repair shop to help him claim compensation. In this case, the following steps are usually taken to claim for vehicle damage.
1, inspection certificate, three certificates and insurance policy: vehicle driving license, driver's driving license, insured's ID card and policyholder's insurance policy;
2, bad car inspection, initial vehicle loss parts, bad car inspection, fill in the case approval form, copy all documents, etc. ;
3, photography is lost, photography is lost, arrange handling opinions;
4. When reporting, report according to the contents of the case approval form. After the repair, you can take all the documents and maintenance invoices to the repair shop to pick up the car and let the repair shop claim.
Extended data:
The work of auto insurance claims involves a wide range and the situation is more complicated. In the process of compensation, especially in the investigation of automobile accidents, we must put forward due requirements and adhere to certain principles.
First, establish the guiding ideology of serving the insured and adhere to the principle of seeking truth from facts.
In the whole process of claim settlement, it embodies the economic compensation function of insurance. When an automobile insurance accident happens, the insurer should be anxious for the insured, do everything possible to avoid the loss from expanding, minimize the impact caused by disasters and accidents, arrange the repair of the accident vehicle in time, and ensure that the original technical performance of the vehicle is basically restored so as to put it into production and operation as soon as possible. Handle claims in time and pay compensation to ensure the continuous production and operation of transport production units (including individual transport households) and the stability of people's lives.
In the field investigation, accident vehicle repair, damage assessment and compensation cases, we should adhere to the principle of seeking truth from facts, analyze specific problems on the basis of respecting objective facts, that is, deal with them flexibly according to the actual situation in strict accordance with the provisions, so as to satisfy all parties.
Second, honor contracts, keep promises, and act according to law.
Whether the insurer fulfills the contract depends on whether it strictly fulfills its obligation of economic compensation. Therefore, when handling compensation cases, the insurer must strengthen the legal concept, strictly follow the terms and conditions, and pay the compensation in full according to the compensation standards and regulations; Losses that do not fall within the scope of insurance liability should not be compensated indiscriminately. At the same time, it is necessary to explain the truth to the insured, and the part that refuses to pay compensation should focus on facts and evidence. We should act in accordance with the law and adhere to the principle of honoring contracts and keeping promises. Only in this way can we establish the credibility of insurance and expand its positive influence.
Three, resolutely implement the "eight" claim principle
"Proactive, rapid, accurate and reasonable" is the experience summarized by insurance claims personnel in long-term work practice, and it is the most basic requirement for quality service in insurance claims work;
1. initiative: it means that the insurance claims personnel are required to actively investigate, understand and explore the accident site, grasp the accident situation, analyze the accident and determine the insurance liability.
2. Swiftness: It means that the insurance claims personnel are required to quickly survey and determine the loss, pay close attention to the claims processing without delay, verify the claims accurately, compile the claims calculation documents quickly, and review and approve them quickly, so that the insured can get the claims in time.
3. Accuracy: that is, the survey, damage determination and even compensation calculation are required to be accurate, and compensation should be done well, and compensation should not be exceeded.
4. Rationality: In the process of claim settlement, adhere to the terms in the spirit of seeking truth from facts. In many cases, it is necessary to accurately characterize specific cases, especially in the process of determining the damage degree of accident vehicles, and to reasonably determine the maintenance scheme of accident vehicles.
References:
Baidu Encyclopedia-Vehicle Insurance Claims Procedure