How to report an insurance claim if the vehicle is scratched

How to get insurance if your car is scratched.

2. After the surveyor of the insurance company arrives at the scene, confirm the cause, nature and loss of the accident. For some minor scratch accidents, the insurance staff will ask the car owner to take a photo and send it on WeChat.

3.The next step is the process of determining the damage. The repair shop will price the loss of the vehicle, and if there is no objection, it will be signed by the insurer and the owner.

4. Collect the materials required for the case and submit them to the insurance personnel for claim procedures.

5.After the insurance company has been reviewed by different departments and confirmed that it is correct, the money can be transferred to the owner's account. Some direct compensation insurance companies do not require the car owner to pay in advance, so they will pay directly to the repair shop.

If you have scratch insurance.

Multiple scratches on the vehicle can be claimed.

Vehicle Scratch Insurance Claim Process:

If the insured vehicle is scratched, you must report to the insurance company on the spot in time for the normal claim procedure. When reporting to the insurance company, pay special attention to the time of reporting, which is generally within 48 hoursIf the time limit is overdue, the insured person will need to bring his or her ID card.

The original should be reported to the insurance company in person.

After the insurance company assesses the damage, it will repair the car in the 4S shop. At the same time, if the vehicle is scratched on the road, the traffic police need to issue an accident certificate, and if the vehicle is scratched on a non-road road, the police station needs to issue an accident certificate. In addition, it should be noted that if the insured car is not too expensive, it is recommended not to report the scratch damage, because if there is no claim in the first year, the premium for the next year can be reduced by 10%.

Since the loss ratio of scratch insurance is generally between 200% and 300%, it is basically operating at a loss, and most insurance companies only cover new cars or new cars within two or three years.

The scratch compensation limit is generally 2,000 yuan and 5,000 yuan. It is important to note that scratch insurance is paid cumulatively, that is, if the scratch insurance is insured.

It is 2,000 yuan, and there is no limit to the number of accidents, but the cumulative amount of compensation cannot exceed 2,000 yuan, and the insurance contract will be automatically terminated if it exceeds 2,000 yuan. In addition, many insurance companies currently have deductibles for scratch insurance.

The free odds range from 15% to 20%.

The insurance company will not pay for scratches that occur in the following four situations:

1) Losses caused by the intentional acts of the insured and his family members, the driver and his family members;

2) The loss of the insured vehicle caused by civil and economic disputes with the insured or the driver and his family members;

3) Natural aging and damage to the surface of the body;

4) Other losses and expenses that are not covered by the insurance liability.

Motor vehicle insurance refers to a kind of property insurance, also known as automobile insurance, which is a kind of transportation insurance with the motor vehicle itself and the third-party liability of the motor vehicle as the subject matter of insurance. Vehicle insurance, i.e., motor vehicle insurance, abbreviated as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles.

Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles. At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body. The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle occupant liability insurance, and total vehicle theft insurance.

So don't worry about scratching the car yourself, just call the insurance company, and don't worry about the following things. But it's best for you not to ask the insurance company to compensate you for your own carelessness many times within a year, because once you let the insurance company help you compensate many times in a year, then the premium for the second year will increase significantly, so some small scratches to deal with it yourself, there is no need to call the insurance every time to deal with it, you do not spend much money when you pay the insurance, but you regret it when you pay the premium in the second year.

1.In the event of a scratch, contact the insurance company in a timely manner.

2.In the event of an accident, you must not violate the traffic accident.

3.How should I make a claim if I am eligible for a claim?

The owner must report the accident to the insurance company within 48 hours, and then the insurance company will send someone to assess the damage. The questions asked by the insurance personnel during the loss assessment process must be answered truthfully, because this will affect the outcome of the loss assessment. In the end, the insurance company will pay you compensation according to the result of the loss assessment, and you only need to wait for the amount to arrive.

If you have car damage insurance, you can make a claim.

How much is the specific claim. You can contact your insurance company.

Ask how much the average insurance company claims.

Sesame big loss. I believe. You can't be exempt from making a claim.

The insurance company will also give you an assessment of the damage.

It is recommended that you contact your insurance company first. File a claim. After the damage assessment. It will tell you how much you can pay, and the question is that the car is painted up, and the rear taillights are broken and sunk in, so you can directly contact the insurance company to assess the damage.

In this case, the insurance will also make a claim, and you need to bring your own insurance policy and some ** of the loss of the vehicle, and go to the insurance company to apply for a claim.

If the car owner can report the accident to the car insurance company within 48 hours, the car insurance company can send a special damage assessor to assess the damage, but if it exceeds 48 hours, you must bring your original ID card to the car insurance company to report the accident.

The traffic police will retrieve the surveillance footage of the vehicle's surroundings. After the traffic police deal with it, report to the insurance company, and then the insurance company will assess the car damage on the spot, if the car damage is small, you can start a quick claim, and if the car damage is large, you generally need 4S shop identification.

Most insurers have the following rate fluctuation rules in place:

For a new car or less than 3 claims in the previous year, the premium remains unchanged; In the event of 3 claims, the premium will be increased by 10%; In the event of 4 claims, the premium will increase by 20%; In the event of 5 or more claims, the premium will increase by 30%, and more than 6 claims may be denied.

On the contrary, if there is no claim in the previous year, the premium will be discounted by 9%; There has been no claim for two consecutive years, and the premium is 20% off; There has been no claim for three consecutive years, and the premium is 7% off.

The car scratches the insurance process:

1: It's best to take out your insurance card as soon as possible after the accident to see which insurance company is underwritten, and then report the accident and protect the first scene, 2: If you have to leave the scene because of something else after the accident, then you should remember the location of the scene before leaving, and note that there is an agreement in the insurance contract"After the occurrence of an accident that is covered by insurance, we must notify the insurance company within 48 hours, and our company has the right to refuse compensation if it causes the inability to obtain evidence", so within 48 hours must return to the place of the accident and then notify the insurance company to revisit the scene, as long as the collision marks are still new, there is generally no problem, as for the 4S shop to report the insurance is indeed more worry-free, as long as you tell him where you have to hand over the car to him, the rest of the things do not have to worry about you, and when the car is repaired, go directly to the 4S shop to copy your annual qualified driving license, driver's license and the insured's ID card, commercial insurance policy and leave it to them, and then drive away. (Note:.)

The above are all ways for the 4S store to help you deal with it, which can be said to be a one-stop service, which is more time-saving and worry-free).

3: If you apply for insurance yourself, it is not a good trouble, directly call the national service of the insurance company** to inform him where your car is, for what reason hit something, it's OK, the insurance company will send someone to help you deal with it after receiving your report, but when handling a claim, you must negotiate with the insurance company's personnel responsible for claims compensation (including: price, claim documents, transfer accounts, etc.), so I suggest that the claim is best handed over to the optional 4S shop to handle.

4: In addition, the insurance company and the repair shop will be open on weekends. Normal unilateral accidents (such as hitting a wall, your car is damaged, but the wall does not pay for it, as long as it does not involve the loss of a third party, it is generally not necessary to report to the traffic police.)

If our car is scratched, don't rush to repair the car directly, it is more cost-effective to repair the car with this method, and you can save a lot of repair costs in a year.

One. For example, if the vehicle is parked in the community, and the child naughtily scratches the body paint with a sharp object, in this case, if the insurance is insured, you can get a claim. If the vehicle is scratched due to an accident while driving, it is covered by the vehicle damage insurance.

If it is the above situation, the insured scratch insurance can directly call the insurance company** to report the repair.

Body Scratch Loss Insurance:

Body scratch loss insurance means that the car body scratch damage caused by the malicious behavior of others, the insurance company will compensate according to the actual loss. The insurance company is responsible for the compensation, and there are no scratches with obvious collision marks.

Two. If the vehicle is seriously scratched, you need to call 110 to call the police, and in this kind of hit-and-run situation, your insurance company will only pay 70%.

Car damage insurance: The insured or the driver allowed by the insured has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range, and the car damage insurance is the insurance for the loss of the vehicle itself. If you don't have car damage insurance, you can't get additional insurance.

The most common car damages: collisions, overturns (rollovers), natural disasters, etc. (hail, heavy rain, etc.).

Find an auto repair shop! There is a repair plan! Generally, it is not recommended to apply for insurance if it is not very serious! Like you, under the appearance treatment, use a decal to paste it, and it is more cost-effective to do it together when there is a big risk!

Hello, if both cars are scratched while driving and both parties are there. Both parties should turn on the warning lights, get out of the car as soon as possible to take pictures and collect evidence, if the responsibility for the accident is very clear, you can ask the other party how to deal with it, generally divide the private or go through the insurance process. If you are private, you can directly reach an agreement with the other party on the amount of compensation according to the loss of the vehicle; If you want to take insurance, then you must first report to the traffic police for identification, and the responsible party will pay the insurance company ** out of insurance, and then enter the insurance procedure, and the 4S shop will assess the damage and repair the car.

If the vehicle is parked on the side of the road or the parking lot is scratched by another car, and the person responsible for the accident can not be found, this situation is also more common, if the scratch is very bad, then you estimate that it is better to take insurance, first report to the traffic police, the general traffic police will call up the surveillance video around your vehicle to determine the vehicle that caused the accident, if the vehicle can be determined then in accordance with the first method, such as the road monitoring can not determine the vehicle that caused the accident, then after the traffic police deal with it, report to the insurance company, and then the insurance company will assess the damage to the car at the scene, If the car damage is small, you can start a quick claim, and if the car damage is large, you generally need a 4S shop identification. Of course, on the premise that the perpetrator cannot be found, the insurance claim can only compensate 70%, and different insurance companies may have different proportions.

If you drive to the curb or wall, the main responsible person for this situation is generally yourself, so if the car damage is not very large, will not exceed the second year due to the increase in the amount of premiums, it is recommended not to go through the insurance process, you can accumulate a lump sum in the second year of insurance after the new delivery, of course, you can also deal with the insurance when the insurance is about to expire, so that your second year's premium will rise.

If you drive to the curb or wall, the main responsible person for this situation is generally yourself, so if the car damage is not very large, will not exceed the second year due to the increase in the amount of premiums, it is recommended not to go through the insurance process, you can accumulate a lump sum in the second year of insurance after the new delivery, of course, you can also deal with the insurance when the insurance is about to expire, so that your second year's premium will rise.

As for how much it is, it depends on how serious it is and the certificate of identification of the traffic police. Scratching is also divided into degrees, the slightest is only paint off, no sheet metal is needed, so the general car paint is 400-700 pieces; If it is a plastic position, such as a bumper, the victim may choose not to spray paint, at this time it is about 200; If it is a metal part such as a car door, etc., 500+. Once you need sheet metal repair, it is more troublesome, ** it is not easy to decide, at this time it is best to take insurance.

Can I take insurance if I scrape my car myself?

If the car is scratched, it depends on whether there is vehicle scratch insurance, and if you have vehicle scratch insurance, you can find the insurance company to make a claim. Whether the car scratch can go vehicle scratch insurance depends on the size, area and depth of the scratch, if it exceeds the concept of scratches, scratch insurance can not be applied but should go car damage insurance. Scratch insurance is a cumulative compensation, as long as it is within the claim amount, regardless of the number of accidents, but scratch insurance has a certain deductible, and insurance companies below 300 yuan are exempted.

Whether it is appropriate to apply for insurance or repair it yourself should be combined with the above analysis to make your own decision.

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