If you hit someone else s car, you are fully responsible, how to go through the insurance claim proc

After the full liability is determined, the insurance company needs to assess the damage, and then compensate according to the amount of loss. The general compensation is within the scope of compulsory traffic insurance, and all compensation is paid by the insurance company. The compensation of commercial insurance, according to the contract, 1. If the third party you purchase is not deductible, as long as it does not exceed the amount of the third party you purchase, then the insurance will be fully responsible, but if not, even if it does not exceed the amount, because you are fully responsible, you will be required to bear a part.

2. The issue of insurance costs, if the whole year is just this time, the insurance premium will not be **, but there will be no discount, even if it is the same, all the records are available, and all insurance companies can find it.

3. Full responsibility means that the traffic accident is caused by the violation of one of the parties, and it should bear full responsibility for the accident, and the other party is not responsible for the accident. In the event of a traffic accident, the party who is fully responsible for the accident has to compensate the other party.

1. Insurance reimbursement process after a traffic accident:

1. After the accident, it is necessary to report the accident within 48 hours, and if there is a person, you should immediately call 120 to save your life.

2. After reporting the case, the owner must protect the accident scene, and the insurance company will send someone to the scene to check and determine whether it is within the scope of the insurance company.

3. Under normal circumstances, if the damage to the vehicle is not serious, the insurance company's surveyor can directly assess the damage on the spot, and the customer can also directly drive the car to the repair shop. However, if the damage to the vehicle is relatively large, it is necessary to go to the damage assessment center for damage assessment.

5. After submitting the information, it will pay the claim through the requirements of the insurance company.

1. The insurance process for the other party to take full responsibility for the car is as follows:

1) The full-duty car calls the insurance officer to the scene. After the vehicle is in an accident, if it can be judged that the other party is fully responsible, please call the insurance company** to call the insurance officer to the scene;

2) Accountability. The insurance company personnel will be present to take photos for evidence, issue documents, and then ask the traffic police and both parties to confirm.

2. Legal basis: Article 8 of the Compulsory Insurance Clause for Motor Vehicle Traffic Accident Liability.

In the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), if the insured suffers a traffic accident in the course of using the insured motor vehicle, resulting in personal or property losses to the victim, the insurer shall be liable for damages borne by the insured in accordance with the provisions of the compulsory traffic insurance contract within the following compensation limits:

1) The compensation limit for death and disability is 180,000 yuan;

2) The compensation limit for medical expenses is 18,000 yuan;

3) The compensation limit for property damage is 2,000 yuan;

4) When the insured is not liable, the compensation limit for death and disability without liability is 18,000 yuan; The compensation limit for non-liability medical expenses is 1,800 yuan; The compensation limit for non-liability property damage is 100 yuan.

Under the limit of compensation for death and disability and the limit of compensation for death and disability without liability, it is responsible for compensation for funeral expenses, death compensation, transportation expenses incurred by the victim's relatives for funeral matters, disability compensation, disability assistive device expenses, nursing expenses, ** expenses, transportation expenses, living expenses of dependents, accommodation expenses, lost work expenses, and solatium for mental damage borne by the insured in accordance with the court judgment or mediation.

Under the compensation limit for medical expenses and the compensation limit for non-liability medical expenses, it is responsible for compensating medical expenses, diagnosis and treatment expenses, hospitalization expenses, inpatient meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery expenses, and nutrition expenses.

2. Compulsory traffic insurance is not responsible for compensation and advance payment of losses and expenses.

1. Losses caused by traffic accidents intentionally caused by the victim;

2. Losses suffered by the property owned by the insured and the property on the insured motor vehicle;

3. Losses caused by a traffic accident involving the insured motor vehicle, resulting in the victim's suspension of business, driving, electricity, water, gas, and production;

4. Arbitration or litigation costs and other related expenses arising from traffic accidents.

Summary. 1. Insurance. The so-called "accident" covers a wide range of accidents, including unilateral accidents, two-party accidents, and multi-party accidents.

2. Report the case. In the event of a traffic accident, you first need to call the 122 accident police, and determine the responsible party through the traffic police, and the responsible party is responsible for calling the insurance company you have insured to report the case. If it is a unilateral accident or a minor accident, you can take a photo of yourself and drive away, and report the accident to the insurance company within 48 hours after the accident.

If you hit someone else's car, you are fully responsible, how to go through the insurance claim process?!

Hello, dear and dear, I am happy to answer your questions The auto insurance claim process for which you are fully responsible is as follows: 1. Insurance. The so-called "dust insurance" covers a wide range of areas, including unilateral accidents, two-party accidents, and multi-party accidents. 2. Report the case.

In the event of a traffic accident, you first need to call the 122 accident police, and determine the responsible party through the traffic police, and the responsible party is responsible for calling the insurance company you have insured to report the case. If it is a unilateral accident or a minor accident, you can take a picture of yourself and drive away, and report the accident to the insurance company within 48 hours after the accident.

3. Survey and damage assessment. After receiving the report, the insurance company will conduct an investigation and damage assessment of the vehicle, and determine the amount of loss according to the damage to the vehicle. If the amount of the claim exceeds the coverage limit, the car owner or the responsible party will need to pay the difference out of pocket.

In the event of a minor accident, the owner can directly drive the vehicle to the damage assessment center for damage assessment. If the loss is large, the insurance company will send an investigator to the scene of the accident to investigate. 4. Submit the claim materials.

The claim materials include the vehicle's insurance policy, driving book, driving book, the insured's ID card and the liability determination letter. If personal injury is involved, the injured person's diagnosis certificate and medical expenses must also be provided.

Legal analysis]: If the car is hit by the other party's full responsibility, the police should be called first, and then the other party's insurance company should be notified to conduct an on-site investigation, and the damage assessment should be carried out according to the assessment results, and then the insurance company's claim settlement should be carried out. The scratching of the two cars belongs to the accident of both parties, and it is necessary to report to the police, and the traffic police will issue a letter of responsibility when they arrive at the scene.

Then, according to the liability determination, call the insurance company to report the case. (If only one party is fully responsible, only the fully responsible party needs to report to the insurance company) 1. If the repair cost of the small scratch does not exceed 2,000 yuan, it can be compensated with compulsory traffic insurance. 2. If the maintenance exceeds 2,000 yuan, it is possible to use car damage insurance or three insurance compensation.

Legal basisArticle 1213 of the Civil Code of the People's Republic of China If a motor vehicle is involved in a traffic accident and the damage is the responsibility of the motor vehicle, the insurer underwriting the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.

Your compulsory insurance and third-party insurance can compensate for each other's losses, but if your car does not have car damage insurance, then your insurance company will not be able to pay you a claim, and only the other party's compulsory insurance can pay you some no-liability compensation.

You are fully responsible and the insurance company will cover 80% of the claim for you, and it will be your first accident. The insurance company is the same, and it will also compensate you for your losses. You can go to the other party's insurance company or contact the other party directly to file a claim.

The process of making an insurance claim is as follows:

Investigation and damage assessment: After the report is reported, the insurance company will have a special person responsible for the investigation and damage assessment of the vehicle;

Nuclear price: unilateral non-serious damage accidents, on-site damage assessment, multi-party and serious damage accidents, damage assessment center damage assessment;

Provision of documents: Handle car insurance accidents and submit necessary documents;

Claim the compensation: Collect all the documents, complete the car insurance claim, and receive the claim.

The precautions for buying car insurance are as follows:

1. Don't duplicate the insurance: If you repeatedly apply for the same type of insurance, the compensation will not increase;

2. Excess and under-insured: neither of these will bring other benefits;

3. Insurance must be complete: the insurance of the car is incomplete, and some situations cannot be guaranteed;

4. Timely renewal: When there is a time gap in car insurance, accidents during the gap period cannot be compensated;

5. The policy needs to be carefully checked: carefully check the terms and items of the policy to avoid traps or mistakes;

6. To judge the true and false search of the ** person: choose regular insurance to avoid being cheated by premiums;

7. Family members are not "third parties": In car insurance, the family injuries of the driver and the insured cannot be compensated through the third-party insurance, and other insurance can be selected to increase family protection.

Parked collision refers to an accident in which a vehicle is hit by an unknown object while unattended during parking, resulting in damage to the vehicle.

Example: The vehicle is damaged by a third-party vehicle while parked in a parking lot, but the third-party vehicle cannot be found.

Note: The insurance company is only liable for 70% of the compensation in this case.

Vehicle theft refers to the theft or robbery of the entire vehicle. This kind of accident involves the traffic police brigade to file a case and the necessary detection time, so the processing period is relatively long.

Motor vehicle insurance, also known as automobile insurance (referred to as car insurance), refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents caused by natural disasters or accidents.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance.

Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.