Car Insurance Claims Urgent!! Who can give me the whole process of car insurance claim See below for

It's too troublesome to say upstairs, it's actually very simple, the insurance company with serious damage and injuries has been compensated, and the rest of those who want to blackmail you don't care, these small accidents are also coordinated by the traffic police, ignore it, if you really follow the procedure, your car is estimated to not have to drive for a week.

Your process is very strange, you should report to the traffic police first. The insurance company will only intervene after the traffic police determine the responsibility and issue the bill. What are the credentials for your own negotiations?

If you don't go through the traffic police, you just let them sue, anyway, the scene is gone, you don't admit to hitting them, and they didn't fold.

Insurance.. Compensate for lost work expenses and damage to the car. That's it, the traffic police won't be how. If you have compulsory insurance, you won't be fine.

This problem is actually more troublesome, not as simple as many people think, if the car accident is not serious, it is fine, if it is serious, it will be troublesome, especially when it involves more than two aspects of responsibility, what compulsory traffic insurance, what commercial insurance you buy, etc., which insurance company should pay, are all problems.

If the car owner does not have compulsory traffic insurance now, you can not report to your insurance company, otherwise, the car owner and the rear-end party will have to report the case. According to the principle of no liability compensation for compulsory liability insurance, then he took out insurance with the insurance company. For details, please refer to.

Reasonable size! It's a very simple thing to make it so verbose, and if you hit it, you deserve it, and this kind of person owes a lot of smoke and doesn't kill a fortune teller.

The better he looks at you, the more nonsense he will be, and he will see more of this kind of person!

Enter the car claims process to find what you're looking for.

You want to use the back of the policy, terms and responsibilities and other information.

You are fully responsible for this risk, so the other party does not want to pay a penny, and look at the type of insurance you bought, dao found that you are from the inside this time.

There is no room for additional fees.

The other party's car repair costs are paid in the compulsory + three, and your own car repair fees are paid in the car damage insurance, because you have the corresponding deductible, so there is no part you pay.

As for the calculation formula, there is no need to delve into it, because in addition to the person who designed this set of formulas, even the CEO of Ping An will not know that it is a company secret, just like the company's calculation of employee salary formulas.

The premium for the next year will not necessarily be ** (commercial), because the insurance company is required to take out the insurance twice or more before the premium of the commercial insurance, and if the driver is formulated twice, it will not be **, and the compulsory traffic insurance will be **, because the compulsory traffic insurance is out of the insurance.

Looking at the type of insurance you insure, I found that there are a few that are unnecessary, and the natural insurance is not recommended for the car of the year, and it is not recommended for theft, because this insurance is stolen and robbed in the whole car, and the insurance company will pay for it, and it is not the full amount. Even if you have a tire stolen, this insurance will not work. If your car is on the local commute to work, rarely on the highway, and the surrounding security is good, then it is not recommended to insure.

That's basically it, if you still have questions, please feel free to ask.

You don't have to worry about the residual value.

Anyway, you don't have to pay 1 penny personally!

But it may be possible to ask you to put it on first, and then go to the insurance company to get it on your card!

It's just a little bit of a discount for you next year.

1.In special circumstances such as complete documents, on-site, and no old traces of vehicles on both sides, the floor pig does not need to bear additional costs.

2.If the picture sent by the building pig is a screenshot after the damage is verified, without considering the amount of the repair invoice provided by the landlord, the calculation process of this case is as follows:

Compulsory traffic insurance compensation amount: 2000 + no liability compensation 100 = 2100 (yuan).

The amount of compensation for commercial insurance: 3586-2000 = 1586 (yuan).

The amount of car damage insurance payment: 4880 - no liability compensation 100 = 4780 (yuan).

The amount of compensation for the whole case: 2100 + 2586 + 4780 = 8466 (yuan).

The above is calculated only according to the amount of screenshots provided by the landlord, if the invoice amount provided by the landlord is consistent with the screenshots, then it is paid according to this number. If you have any questions, you can send me your case number, and I will go to work tomorrow and enter the system to show you.

3.Next year's premiums will definitely go up relative to this year.

4.The meaning of the residual value I will give you an example, now your front bumper is damaged in this accident and needs to be replaced, a new bumper on the market is 1000 yuan, but the landlord's bumper is very old before the accident, and there are some scars that are not caused by this accident, so the landlord's old bumper is only worth 800 when it is out of danger, but if I directly replace you with a new one in this claim, it is equivalent to you "earning" 200, which is a violation of the principle of loss compensation, So when I assess the loss, I deduct the residual value of 200 yuan from you, assess the loss for you at 800 yuan, and only compensate you at 800. This is just an example of residual value, do you understand when I say that?

Did you just buy a new car? How to premium.

So expensive?

Your responsibility for the accident is clear, and you don't have to worry about all the repair costs of your own car and the cost of repairing the other party's car, and the insurance company will make a claim. I don't know which region the landlord is, if you are in Shanghai and Jiangsu, the following insurance will not affect the next year's premium, just like if you have not had insurance last year, you will be discounted to the lowest! Peace is still very humane.

There will be no additional costs, the insurance company will pay for it, and you don't have to worry about the calculation formula, we will sell it safely.

The commissioner doesn't know, generally it is a compensation once or twice through the designated driver's premium will not rise, the deduction of residual value refers to the case of a total loss of the car, that is, the value of the pile of scrap iron, yours is just to repair the car, so the deduction of residual value is 0

Seeing that your contracted insurance is quite complete, the accident involved both parties to the car damage.

In the accident, you are fully responsible, and the main types of special insurance involved are car damage insurance, third-party liability insurance, and compulsory traffic insurance, excluding the deductible special clause. In the accident, the left front door of your car collided with the left front corner of the three vehicles, causing damage to both vehicles. You do not need to bear the relevant costs for this accident, in addition to the punishment of the traffic police department and parking fees, the insurance company will bear the cost of damage to both parties.

As for the calculation formula of the insurance company, I will not introduce it to you. The next year's insurance will not be available for your first trip of the year**, but it will not be discounted either. As for the deduction of residual value in the second **, it refers to the loss of your own vehicle to replace the left side wall, left front door shell, left front door bumper strip, left front door seal, these replaced parts are deducted in the form of residual value, that is to say, the amount of money earned from selling iron, you can take the parts of your car to the scrap yard to dispose of it yourself, but the general repair factory will help you complete this task.

Insurance companies, like other industries, need to go through a certain process of compensation, and lose money when they see materials. It is recommended to follow the process required by the insurance company first, and the money will definitely be paid to you, after all, the insurance company also has a regulatory department, and if there is a dispute in the first place, the dispute will be resolved.

Traffic accident damage compensation mediation, call the insurance company's personnel, they are responsible for reviewing the compensation items, compensation standards and amounts, you don't have to think about it so much. How much the insurance company will compensate, they themselves will review and mediate. You just have to cooperate.

1: Compensation for lost work: one month, the compensation standard is based on the average monthly wage of the local industry.

2: Nutrition fee compensation: 14 days multiplied by 30 yuan equals 420 yuan.

3: Medical expense compensation: 8,500 yuan.

4: Nursing fee compensation: 14 days multiplied by 50 yuan equals 700 yuan.

The total of 9,620 yuan does not exceed the compensation limit of compulsory traffic insurance, and the insurance company will pay you 100%.