Car insurance claim handbook, detailed explanation of the car insurance claim process

1) After the insured vehicle has an insured accident, the driver should take the initiative to protect the scene, and if it is necessary to carry out on-site rescue, he should actively rescue to avoid further expansion of losses. At the same time, you should immediately report to the public security traffic management department where the accident occurred, and notify the insurance company in a timely manner (under special circumstances should not exceed 48 hours), and the relevant personnel of the insurance company will wholeheartedly provide you with guidance and assistance;

2) After the accident, please do not report to the insurance person or the car repair unit, because they do not have the right to make a claim commitment from the insurance company, and our company can help provide rescue units if necessary;

3) It is not appropriate to adopt a "private" approach to resolve the accident between the two parties. If you are unable to confirm the nature and cause of the accident and the loss of the other party's vehicle**, the insurance company will not pay for the accident, which will cause your compensation rights and interests to be damaged.

4) Before the insured vehicle and the third party's vehicle or other property damage are repaired or compensated, the insurance company shall negotiate and determine the loss items and maintenance amount of the insured vehicle or the third party's property loss. Otherwise, the insurance company will have the right to re-assess the loss in accordance with the contract, and the insurance company will not be able to pay for the part of the loss that cannot be determined.

5) In the event of a traffic accident between the two parties, you should take the initiative to record the underwriting of the other party's vehicle "insurance", i.e., the underwriting company of the other party's vehicle insurance, the insurance period, etc.

6) The insurance company will review the medication and treatment plans and standards for personal injury cases in accordance with the relevant provisions of "social security" and the standards in the Interpretation of the Supreme People's Court on Several Issues Concerning the Trial of Insurance Dispute Cases, and the insurance company will calculate the compensation according to the above standards when compensating for expenses incurred above the prescribed standards.

7) According to the principle of "punishment by responsibility" in traffic accidents, your responsibility for the accident in the traffic accident will be the basis for the economic compensation you need to bear for the accident. The insurance company will not compensate for any part of the financial compensation that does not correspond to the liability for the traffic accident.

8) When receiving compensation, the corporate body shall affix its seal on the transfer of interests and the receipt of compensation, and the private car shall sign the transfer of interests and the receipt of compensation. The recipient should make a copy of his or her ID card in advance to ensure that you receive the compensation on time.

As for car insurance, we all know that every car needs to be purchased. However, not every driver understands car insurance claims. Now let us explain it to you.

Car Insurance Claim Tip 1: Protect the scene in time after an accident.

Sometimes, after a collision, some car owners are worried about traffic jams, and when they fail to indicate the situation at the scene of the accident, they drive away from the scene and then discuss the division of responsibility for the accident. This often leads to disputes. For people with large accident losses, car owners must keep in mind one of the car insurance claim skills:

Protect the accident scene in a timely manner. Don't leave the scene in a hurry. You should first draw the tire positions of the two cars with Zhijin chalk at the scene of the accident, or take a picture of the accident with a camera or a mobile phone with a video function.

This can not only ensure that the road traffic will not be congested, but also provide a basis for the car owner to claim.

Car Insurance Claim Tip 2: Don't make a claim for small scratches.

At present, insurance companies will set prices according to the risk rate of the car owner every year, and the car owner with a low risk rate can get a better discount when renewing the policy. If there is a minor bruise, please pay for it from the insurance company. Not only is this a waste of time, but it will also increase your claim rate.

If the risk is too high in the previous year, the premium will increase accordingly when the policy is renewed in the second year.

Car Insurance Claim Tip 3: The cost of repairing the car without authorization is not equal to the cost of damage assessment.

The repair of the false defense ** on the loss assessment order is preset by the insurance company according to the maintenance ** that needs to be paid for the repair of the car. Unless a new fault is found during the repair process and the damage needs to be reassessed, the repair** on the damage assessment form is the only valid basis for determining the claim payment.

Therefore, if you don't understand the car's claim process, you should repair it first, which will affect the insurance company's accident investigation and damage assessment process in the future. In the absence of objective factual basis, the insurance company has reason to refuse compensation. Therefore, it is best for the car owner to wait for the insurance company personnel to inspect the scene and show the authoritative damage assessment documents before leaving the scene.

This process guarantees a smooth payment of compensation.

The above is about the car insurance claim process, I hope it will be helpful to you. The process of making a traffic accident insurance claim can be roughly divided into four main parts: reporting, investigation, assessment and verification of damages, and submission of documents for your reference.

Auto insurance loss verification price:

1. Assist the leader to do a good job in the investigation of auto insurance claims, loss verification, and serious cases, and be responsible for standardizing the pricing of auto insurance claims, formulating daily loss assessment standards, investigating major auto insurance accidents, reviewing the results of loss assessment, and reasonably controlling the risk of compensation.

2. The staff within the insurance company, the staff at the scene should report the first-hand materials, and then someone will further verify the loss of your vehicle according to the materials, including, the accessories of the approved loss, whether the loss is caused by the accident, the amount of the approved compensation, etc., collectively referred to as "nuclear price, nuclear loss, nuclear compensation", the company with a high level of rental slag is a different person, and the company with a low level can sometimes be missing to be concurrently served by one person.

If the insurance company's loss assessor has gone to the scene of the accident to take pictures, he only needs to provide the accident certificate issued by the traffic police, the vehicle damage repair invoice and the claim application form.

1.When the insured requests compensation, the insurer shall generally provide the following proof and information:

1）.Original insurance policy, claim application, list of property damage, technical appraisal certificate, accident report, ambulance expense invoice, necessary account books, documents and certificates from relevant departments;

2）.Other certificates and materials that can be provided by the policyholder and the insured to confirm the nature, cause, and extent of loss of the insured accident.

3）.If the policyholder or the insured fails to perform the obligation to provide documents as agreed in the preceding paragraph, resulting in the insurer's inability to verify the loss, the insurer shall not be liable for compensation for the part that cannot be verified.

2.The most basic information provided for vehicle insurance claims is: claim application, repair invoice, insurance damage assessment form, original repair list of the repair unit, driver's license, and copy of driving license.

3.If the loss is relatively small, and the insurance company has already assessed the loss on the spot, and the insurance company has provided complete information to the scene to investigate, and if the claim is processed quickly, nothing can be provided afterwards, and the insurance company will pay the claim directly to the insured within three days.

In principle, the insurance company does not designate a repair shop, nor is it allowed to designate a repair shop, for arranging the other party to repair the car, especially for smaller accident losses, there are usually three possibilities, the first is to recommend the repair shop, including the 4S shop, the other party can go, or not, if you go, those repair shops are generally more familiar with the insurance company, after the insurance company determines the amount of loss, the other party can repair according to this amount, ** there will be no objection; The second is that he chooses the repair shop by himself, but before repairing the car, the repair fee and repair items must be negotiated with the insurance company, and if there is no problem, it can be dealt with normally; The third possibility is to assess the damage of the car at one time, and after determining the **, the other party will go to repair the car wherever he likes, and repair it when he likes. No matter which way you choose, under normal circumstances, you pay the repair fee first, if the insurance company asks for a repair invoice, after you pay the repair fee, get the invoice in hand, and then hand it over to the insurance company, if it is a one-time damage assessment, then the insurance company will confirm with you after the ** and no dispute, the invoice can also be dispensed without, and finally the insurance company will pay the compensation into the insured's bank account (bank card).

When reporting to the insurance company, you should do the following: 1. Bring your insurance policy, driving license, and driver's license; 2. Drive your car to the insurance company; 3. Fill in the "Vehicle Insurance Registration Form" at the claims department of the insurance company. After doing these three things, you will get a copy of the Vehicle Accident Registration Form and an Insurance Notice.

Their purpose is: one copy of the "Vehicle Accident Registration Form" is handed over to the insurance company's loss assessor, and the other copy is used when filling out the "Accident Notice" and receiving compensation; After filling out the "Notice of Accident", return it to the insurance company together with the repair procedures. Step 2:

When assessing the damage, you should take the "Vehicle Accident Registration Form" to the damage assessor of the claims department, and hand one of the copies to them, and they will determine the repair items and repair costs. After the loss assessment, you will be given a "loss assessment form" The loss assessment is currently the prerogative of the insurance company, but you also have to protect your own interests. You should be sure to pay attention to:

Clause. 1. Don't miss the repair project, where it is broken, where to repair. Clause.

Second, pay attention to the repair cost can not be set too low, in case the car repair is not enough. If you get your car repaired at the repair shop designated by the insurance company, you don't have to worry about the repair fee – the repair shop guarantees that your car will be repaired anyway, and if it doesn't, the insurance company will be responsible. Step 3:

There are two things to do when repairing a car: 1. Take the "Damage Assessment Form" when sending the car and hand it over to the repair shop with the car. The repair shop will repair the car according to the items specified in the "Damage Assessment" and will give you a "Bill of Lading" as proof when picking up the car.

2. After the car is repaired, you can pay the repair fee with the "Bill of Lading" and then pick up your car. At the same time, ask the repair shop for the following formalities: repair invoices, repair orders, construction orders and material orders.

Note: These procedures must be stamped with the official seal of the repair shop. Step 4:

If the loss is not large, the traffic team certificate is generally not required to make a claim, and you can just find someone to write a "third-party certificate"; If the damage is significant, the insurance company may ask you for an accident certificate issued by the traffic team or the safety committee at the time of claim. Step 5: Submit the documents By now, all the documents required for the claim have been completed.

They are:1"Notice of Danger" 2

Loss assessment order" 3"Car Repair Invoice" 4"Construction Order" 5

Repair Order" - the owner is the unit, and the official seal is required; The owner of the car is an individual and needs to sign. 6.List of Materials, 7

Third-party certification" 8"Compensation Settlement Statement" - if the owner is a unit, the official seal is required; The owner of the car is an individual and needs to sign. You take these formalities to the insurance company's claims department and you can wait to receive your claim.

Step 6: After submitting the claim documents, you will receive a notice from the insurance company about a week later (usually no more than 10 days), and you can bring your identity certificate and "Vehicle Accident Registration Form" to receive the compensation back.