The following information is required when reporting a case:
1. Insurance policy, driver's license, driving license.
2. Drive to the insurance company.
3. Fill in the vehicle accident registration form in the claims department of the insurance company.
Do these three things well, and you will get the Vehicle Accident Registration Form and an Accident Notice. One vehicle accident registration form is handed over to the loss-fixing personnel of the insurance company, and the other is used to fill in the accident notice and receive compensation; Fill in the risk notice and return it to the insurance company together with other claim documents.
Step 2: The traffic police department closes the case and issues an accident certificate.
After the injured person recovers, the two sides can go to the traffic police team to close the case together.
There are three things to do when closing the case:
1, distinguish the responsibilities of both parties.
Small traffic accidents can be ignored, and the loss will be compensated by the insurance company anyway. Major accidents or extraordinarily serious accidents must be argued, because it is related to how much money the traffic police team will fine you, whether to suspend your driver's license or not, and sometimes whether to pursue criminal responsibility. In traffic accidents, as long as you hit someone, the driver usually has some responsibility, and what you want to fight for is the size of the responsibility.
2. Review the items for which the other party claims compensation.
In today's society, people are unpredictable, and many injured people will take the opportunity to blame others. You must examine whether the other party's claim for compensation is reasonable. You shouldn't pay for unreasonable claims, the insurance company won't pay, and the traffic police team won't let you pay. The basis of the review is the Road Traffic Safety Law, which is the basis for the traffic police team to handle accidents and the basis for the insurance company to make compensation. Regarding the compensation items, you can check the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Personal Injury Compensation Cases, or ask the insurance company whether the compensation you pay to the other party can be fully compensated by the insurance company, mainly depending on whether you can close the compensation items when the traffic police team closes the case.
3. Compensate the other party for losses and ask for relevant documents at the same time. After the respective responsibilities of both parties and the items requiring compensation are determined, it is necessary to compensate the injured. Note: when paying the other party, you must get back the relevant documents, otherwise don't pay, because the insurance company will not pay without these documents. The documents required for different compensation items are as follows: medical expenses: the diagnosis certificate and medical expense receipt issued by the hospital are required. Lost time: there must be a certificate issued by the hospital that requires rest (which can be clearly written on the diagnosis certificate) and a certificate of lost time issued by the other party's work unit. Transportation: Tickets are required. Disability allowance: proof of disability is required. Death compensation: death certificate is required.
4. Ask the traffic team for accident certificate and economic compensation execution certificate. The accident certificate requires that both parties' responsibilities and compensation methods be clarified. The Economic Compensation Enforcement Certificate requires that the specific compensation items and compensation amount be clearly written. These two documents are indispensable for insurance claims.
Step 3: Submit the claim documents.
Due to different compensation items, the documents required for the claim are also different. Documents to be completed for general injury accident claims include:
1, danger notice
2. Diagnosis certificate
3. Invoice for medical expenses
4. Proof of missing work
5. Accident Certificate
6. Compensation execution certificate
7. Notice of compensation
Step 4: Receive compensation.
After submitting the claim documents, you will receive a claim notice from the insurance company about one week later (generally no more than 10 days), and then you can take your identity certificate and vehicle accident registration form to get back the compensation. Only in this way can we protect our legitimate rights and interests.
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