The car rear ended and left the car without any action, and there was no insurance on the spot

The insurance company is notified first, so the insurance company will send an investigator and then conduct a series of analyses on the spot, and then judge the accident based on its own experience and expertise. Even if the perpetrator cannot be found, the insurance company will cover 70% of the cost because it knows what is happening at the scene, thus reducing its share by many points.

After an accident, it's best to keep the first scene, but in the case of a traffic jam, you can only choose to move to the side of the road, but you have to take a good picture of the accident scene**.

First notify the insurance company, so that the insurance company will send a surveyor, and then conduct a series of analysis of the scene, and then judge the accident according to their own experience and professional knowledge, even if the perpetrator can not be found, but the insurance company will bear 70% of the cost because of the understanding of the situation at the scene, so that you can reduce a lot of your own burden.

Generally, after an accident, it is best to keep the first scene, but in case of obstruction of traffic, then you can only choose to move to the side of the road, but be sure to take a good picture of the accident scene.

A car rear-end collision is a third-party accident, so the owner is required to have third-party liability insurance when making a claim. Ping An's third liability insurance is divided into several different grades, and the cost of insurance and the amount of insurance coverage will be different for different grades.

Vehicle insurance claim process.

1) Clarify responsibilities.

If you are sure to be responsible, report the case to the insurance company; If you are certainly irresponsible, you do not need to report the crime. This will determine whether or not you will be repatriated when you renew your policy next year.

2) Report the case. 1. Bring your insurance policy, driving license, and driver's license to drive your car and the other party's car to your insurance company.

2. Fill in the "Vehicle Accident Registration Form" and "Accident Notice" in the claims department.

3) Damage assessment. Bring the "Vehicle Accident Registration Form" to the loss assessor of the claims department to determine the repair items and costs, and give you a "Damage Assessment Form". Note: Do not miss repair items; The cost of repairs should not be set too low.

4) Car repair. 1. Submit the car and the "Damage Assessment Form" to the repair shop. The repair shop repairs the car according to the "Damage Assessment Order" and gives you a "Bill of Lading" as proof of pick-up.

2. After the car is repaired, pick up the car after paying the repair fee with the "Bill of Lading", and ask the repair shop: "Repair Invoice", "Repair Order", "Construction Order", "Material List" (all must be stamped with the official seal of the repair shop).

5) Issue an accident certificate.

After the car is repaired, take the repair invoice of the other party's car and the other party's owner to the traffic team to close the case. After the case is closed, you will get an "Accident Certificate" (stamped with the official seal of the traffic team) and get back your detained documents.

6) Submission of documents.

The Notice of Insurance", the Loss Assessment Order, the Car Repair Invoice, the Repair Order, the Construction Order, the Material Sheet, the Accident Certificate, and the Compensation Settlement Form shall all be submitted to the Claims Department of the insurance company.

7) Receipt of compensation.

After submitting the claim documents, you will receive the notice of compensation from the insurance company, and bring your ID card and the "Vehicle Insurance Registration Form" to receive the compensation.

Hello, according to the new insurance law on September 1st: no compensation can be given in the absence of the scene. You can drive the target car to the scene of the accident and report the accident, but you can't say that it happened a few days ago, just say that it just happened, and the previous car has no loss and waive compensation, but you can only get 70% compensation.

There are some issues that you have to deal with as well.

You can notify the insurance company to send a surveyor to analyze the scene, and after understanding the situation at the scene, the insurance company will also pay a certain fee. How insurance companies judge claims, you can check out this article:How does the insurance company pay for a car accident?

So how to make a claim after the vehicle is reported to be insured, and what are the processes, let's take a look:

1. Survey and damage assessment

The insurance company will send an investigator to the scene of the accident to investigate. Then drive the car to the maintenance unit to determine the damage.

2. Nuclear price verification

The insurance company's loss adjuster will review the reasonableness and accuracy of the damage assessment.

3. Submit the claim materials

Including the vehicle's insurance policy, driving book, driving book, insured's ID card and liability certificate, unilateral accidents do not need to submit a liability certificate. If personal injury is involved, the diagnosis certificate of the injured person and the invoice for medical expenses must also be provided.

4. Collect the claim payment

After the car is repaired, the insured needs to bring the damage assessment form, maintenance invoice, maintenance list and bank card to the damage assessment hall to go through the compensation procedures.

Now there are more and more vehicles on the road, and it is common for scraping and rear-end collisions during driving, and it is generally best to keep the first scene after an accident, or take a good picture of the accident scene, and wait for the personnel of the insurance company to come to investigate. At this time, you must also configure the car insurance completely, here are a few configuration plans for reference:Buy too much and waste, buy less and suffer a loss!

How much does it cost to buy car insurance a year? Hope!

Brother, the rear-end collision is fully responsible, why are you calling the police? The insurance company is afraid that it will not pay, and it is good to pay two dollars to break the bumper back.

You should remember the license plate of the front car, right? Let's see if there are any cameras on the side of the road, eyewitnesses or something.

My truck rear-ended the truck in front of me on the highway, and the truck in front drove away without stopping, what should I do?

Is there any car damage If there is a car damage, we can repair our car by pressing it, only the traffic is not good.

Yes. After the rear-end collision, I left the scene and was able to apply for insurance. If there is no scene of the car accident, the insurance company will deal with the other party's hit-and-run, and the insurance company that you have insured will only be responsible for 70 compensation.

In this case, you need to report to the police, and the traffic police will issue a letter of responsibility when they arrive. Then, according to the liability determination, call the insurance company to report the case.

Extended Material: Insurance.

1.There must be a risk in the insurance. The purpose of establishing an insurance system is to deal with the occurrence of specific dangerous accidents, and there is no insurance if there is no risk. In order to apply the principle of large numbers, the risks that may benefit are not insurable, so commercial insurance institutions generally do not cover such risks.

2.Insurance must financially compensate for losses caused by dangerous accidents. The so-called economic compensation means that this compensation is not to restore the destroyed original thing, nor to compensate in kind, but to make monetary compensation.

Therefore, the loss caused by the accident must be economically valuable. In life insurance, the value of the person itself cannot be calculated, but the labor of the person can create value, and the death and disability of the person will lead to the loss of the labor force, so that the income of the individual or his family will decrease and the expenses will increase, so the life insurance is to make up for the increased economic burden with economic compensation or payment, and it is not to ensure that people recover the lost labor force or life.

3.Insurance must be mutually beneficial. The insurance system is a method of spreading losses among many units to reduce the losses of disaster-stricken units. Through insurance, the policyholder pays the insurance premium together, establishes the insurance compensation**, and obtains the protection together.

4.The contribution to the insurance must be reasonable. The compensation of the insurance** is shared by the person participating in the insurance, and in order to make the burden fair and reasonable for everyone, it is necessary to calculate the contribution scientifically.

5.Voluntary, the establishment of the legal relationship of commercial insurance is achieved by the policyholder and the insurer through the voluntary conclusion of an insurance contract on the basis of equality, mutual benefit and consensus in accordance with the principle of autonomy of will, while social insurance is enforced by law;

6.It is for-profit, commercial insurance is a kind of commercial behavior, no matter what organizational form the company operates commercial insurance business is for the purpose of profit, and social insurance is for the purpose of ensuring the basic living needs of members of the society;

7.From the perspective of the scope of business and the principle of compensation insurance and payment of guarantees, commercial insurance includes both property insurance and life insurance, and the corresponding amount of insurance premiums can be obtained within the scope of insurance value, which reflects the principle of more insurance and more insurance, less insurance and less insurance, while social insurance is limited to life insurance, and does not distinguish between the amount of insurance premiums invested, reflecting the principle of basic social security.

Legal Analysis: No. If the insured leaves the scene after a rear-end collision, the insured cannot be notified in time, and the insurer cannot know the nature, cause, and extent of the accident and does not provide insurance services.

Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 3 The term "compulsory insurance for motor vehicle traffic accident liability" as used in these Regulations refers to the compulsory liability insurance in which the insurance company compensates within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by road traffic accidents caused by the insured motor vehicle.

Article 22 In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accidents, and shall have the right to recover compensation from the victim: (1) the driver has not obtained driving qualifications or is intoxicated; (2) The accident is caused during the theft and robbery of the insured motor vehicle; (3) The insured intentionally causes a road traffic accident. In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

Insurance Law of the People's Republic of China Article 21 The policyholder, the insured or the beneficiary shall notify the insurer in a timely manner after knowing that the insured event has occurred. If the nature, cause, and extent of loss of the insured accident are difficult to determine, the insurer shall not be liable for compensation or payment of insurance money for the part that cannot be determined, unless the insurer has known or should have known about the occurrence of the insured accident in a timely manner through other means.

Legal Analysis: Car insurance clauses usually stipulate that the insurance company should be reported to the insurance company within 48 hours after the accident, otherwise the insurance company has the right to refuse to pay compensation for late closing. If you entrust another person to report the case on your behalf, the person who reported the case should also bring your ID card and a power of attorney issued by the insured person to report the case on your behalf.

The insured shall notify the insurer within 48 hours after the insured vehicle has an insured accident. The insured shall, within 10 days from the date of the conclusion of the traffic accident handling by the Department of Public Security Traffic Management, submit to the insurer all necessary documents such as the cause, nature, division of responsibility and determination of losses.

Legal basis: Article 29 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability The insurance company shall, within 5 days from the date of receipt of the certificate and materials provided by the insured, verify whether it is an insurance liability and notify the insured of the result; If it does not belong to the insurance liability, the reasons shall be explained in writing; For those who are liable for insurance, the insurance money shall be compensated within 10 days after reaching an agreement with the insured to compensate the insurance money.

If the car is rear-ended, the other party is fully responsible, and the party can directly claim compensation from the other party's insurance company with the certificate of identification, the invoice for the cost of repairing the car and the accident liability certificate issued by the traffic police, and compensate for the property loss of the compulsory traffic insurance.

The car was rear-ended by the other party is fully responsible, the maintenance costs of the two cars are compensated by the insurance company underwritten by the other party, and the parties can claim compensation from the insurance company through the accident liability determination letter issued by the traffic police, the mediation letter, the driver's license of the three cars, the driving license, and the copy of the compulsory traffic insurance.

The parties can ask the price bureau to assess the loss, and if it doesn't work, they will go to the 4S store to assess the loss. If the other party does not compensate you, you should go to court to sue. However, there is no depreciation expense.

Traffic accidents are only compensated for direct losses. The two parties registered and filed in the traffic team, and the parties were not responsible, and took the invoice for repairing the car and the owner of the car behind to close the case in the traffic team.

This other party is fully responsible for what you have to do, contact the other party, ask him to contact the insurance company to assess the damage of the vehicle, and then see whether the other party takes you to repair the car or you repair the car to give him the invoice, I am afraid that some people are very boring and scoundrels, I personally suggest that you know how much money the insurance company has set, go to the repair shop where you repair the car to buy an invoice to the other party, and then repair the car yourself.

Since it is the other party who is fully responsible, (it is the other party who is fully responsible for being rear-ended).You don't report anything, the other party's insurance company will drive the car to the 4S shop after taking pictures, and call the other party to repair the car, and the other party will call the insurance company to assess the damage, and after the damage assessment, you ask the other party to pay first, and then give him the repair invoice to tell him to leave. The rest is that you have to be optimistic about the 4S shop to repair your car, don't let the 4S shop be black, there are many things that do not repair the car after collecting money (some parts were originally replaced but repaired to you).

Your loss must be more than 2000, after the other party's insurance company arrives at the scene, if it is confirmed that it is a rear-end collision, the other party is fully responsible, and there is no need to go out to the traffic police. Don't repair the car first, notify the other car owner and let him and the insurance company come to the 4S damage assessment together.

Now the road traffic law stipulates that the owner of the car with a loss of less than 2000 will go to the rapid accident processing point to deal with it, so the insurance company will come first, if the insurance company assesses the loss below 2000, and the responsibilities of both parties are clear, the traffic police will not use it, and you can go directly to the accident rapid processing center to deal with it.