How to deal with the insurance claim process for traffic accidents

The traffic accident insurance company's claim procedure is as follows:

1. After the accident, please report to the public security traffic management department immediately, and report to the insurance company at the same time.

2. The staff of the insurance company will arrange the corresponding personnel to investigate and assess the damage at the scene of the accident.

3. The two parties negotiate compensation.

4. After preparing the documents required for the claim, you can apply for a claim at the counter of the local insurance company.

5. After receiving the claim materials, the insurance company will conduct a claim investigation and review, and the insurance company will make a claim decision in time and grant the claim after the review.

The insurance process after a traffic accident.

Insurance processing claims process after a traffic accident:

1. After reporting a traffic accident, the scene should be properly protected, and the insurance company should be reported in a timely manner, and the road accident should also be reported to the traffic department for processing, and the non-road traffic accident (such as the vehicle crashed into a tree or wall due to driving reasons), should be issued with supporting materials.

2. In case of accident, at the same time, assess the damage to the vehicle, estimate the reasonable cost, and notify the owner to go to the repair shop designated by the insurance company to deal with the accident vehicle.

If the owner of the car requires self-repair, he should go through the self-repair procedures, and if the repair fee exceeds the damage assessment fee, the owner will pay the excess part.

In the case of a claim for third-party liability, the insurance company shall also determine the amount of compensation in accordance with the law and pay compensation according to the insured amount. The insurance company may refuse to pay the amount of compensation negotiated privately between the policyholder and a third party.

3. Compensation for all losses stipulated in the regulations.

1.After the total loss of the insured vehicle, if the insured amount is equal to or less than the actual value at the time of the accident, the insured amount will be compensated.

2.In the event of a total loss of the insured vehicle, if the insured amount is higher than the actual value at the time of the accident, compensation will be made according to the actual value at the time of the accident.

4. Compensation for part of the losses stipulated in the regulations.

If the insured vehicle suffers partial loss, the insured amount reaches the actual value at the time of underwriting, regardless of whether the insured amount is lower than the actual value of the insurance, part of the loss shall be compensated according to the actual repair cost; If the insured amount of the insured vehicle is lower than the actual value of the insurance, the repair cost will be compensated according to the proportion of the insured amount to the actual value at the time of the accident.

2.The maximum amount of compensation for the loss of the insured vehicle is limited to the insured amount. Click on this article.

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5. Within three months from the date of the repair of the vehicle or the conclusion of the traffic accident, the policyholder shall go to the insurance company to receive the compensation with the insurance policy, accident handling certificate, accident mediation letter, repair list and other relevant certificates. If there is a dispute with the insurance company and no agreement can be reached, the applicant may apply to the economic contract arbitration authority for arbitration or file a lawsuit with the people's court.

The traffic accident insurance claim process is:

1. Report the accident and immediately report to the public security traffic management department at the place where the accident occurred;

2. For the inquest, the insurance company should take the initiative to conduct an inquest at the scene of the accident and assess the damage of the accident vehicle;

3. To handle the claim procedures, you should bring the driving license, the insurance contract and the accident liability certificate and other relevant documents;

4. Signature, as the basis for the insurance company's claim.

Extended information: 1. What evidence is required for traffic accident claims.

If you claim damages after a traffic accident, you need to provide proof of identity documents, evidence of property damage, medical expenses, lost work expenses, nursing expenses, transportation expenses, hospital meal allowances, nutrition expenses, disability compensation, funeral expenses, death compensation, accommodation expenses, and other evidence.

2. Four major precautions for insurance claims.

1: You can't just take responsibility for the accident. There are some car owners who think they have enough vehicle insurance and therefore take all the responsibilities full.

Such things happen from time to time in real life, such as the collision of motor vehicles and non-motor vehicles, generally motor vehicles will be held responsible, in fact, each is responsible for the best maintenance of the traffic environment, non-motor vehicles, pedestrians should also bear the responsibility for their own behavior.

2: It cannot be repaired and then reimbursed. Many car owners go to the repair shop to repair the vehicle rock excavation for convenience, and then go to the insurance company for reimbursement, which is not judgmental.

If you repair your car without reporting the case, how will the insurance company assess the damage, and what should you do if it is determined that your repair cost is higher than the cost of damage assessment?

3: Entrust the repair factory to settle the claim. The owner of the car because of work and other reasons sometimes after a traffic accident, will be entrusted to the familiar repair shop to handle, this digging jujube bucket and their own insurance company is not directly in contact with the method is not advisable, because the repair shop will often use some other means to achieve the purpose of compensation, and these if the insurance company verifies, then you need to be responsible.

4: Deductible not included. Although the deductible is not counted if you are insured, you may not be able to get the full amount of the claim.

In order to prevent moral hazard, insurance companies have set separate deductibles for some specific accidents, and these are not included in the scope of deductibles. For example, multiple accidents.

When handling a traffic accident, the public security organ shall, after ascertaining the cause of the traffic accident, determining responsibility for the traffic accident, and determining the circumstances of the losses caused by the traffic accident, convene the parties and relevant personnel to mediate the compensation for damages.

The time limit for mediation of damages is 30 days, and the public security organs may extend it for 15 days if they deem it necessary. For injuries caused by traffic accidents, mediation begins from the date of termination or disability; In the case of death caused by a traffic accident, mediation shall commence from the date of the end of the prescribed time for handling funeral matters; If the traffic accident only causes property damage, the mediation shall commence from the date on which the damage is determined.

Where an agreement is reached through mediation, the public security organs shall draft a mediation document, which shall be signed by the parties, relevant personnel, and mediators, and shall take effect immediately after affixing the public security organ's seal. The public security organs shall send the mediation documents to the parties and relevant persons respectively. Where no agreement is reached after the completion of the mediation period, the public security organs shall draft a written conclusion of mediation, which shall be signed by the mediator, affixed with the seal of the public security organs, and sent to the parties and relevant personnel.

If no agreement is reached through mediation or either party fails to perform after the mediation agreement takes effect, the public security organs will not mediate, and the parties may file a civil lawsuit in the people's court.

1. Will the hit-and-run insurance company compensate?

Hit-and-run insurance company compensation, traffic hit-and-run refers to the act of the perpetrator fleeing after a traffic accident in order to avoid legal prosecution. In China, only drivers who have not obtained driving qualifications or are drunk; The accident was caused during the theft and robbery of the insured motor vehicle; The insurance company will not compensate the insured for the road traffic accident caused by the accident.

Second, overload out of the traffic accident insurance claims.

Usually, compulsory liability insurance will be borne within the amount of its liability, while third-party insurance companies need to be insured according to the specific circumstances.

According to Article 25 of the obligations of the policyholder and the insured in the motor vehicle insurance clause originally issued by the China Insurance Regulatory Commission, the insured and its driver shall do a good job in the maintenance and maintenance of the insured vehicle, and pass the inspection in accordance with the regulations; The loading of the insured vehicle must comply with the provisions of the "Road Traffic Management Regulations" on the loading of motor vehicles, so that it can maintain a safe driving technical state; Article 30 stipulates that if the insured fails to perform the obligations specified in Articles 24 to 29 of this clause, the insurer shall have the right to refuse compensation or terminate the insurance contract from the date of written notice; If Hu Qiao has already compensated, the insurer has the right to recover the insurance compensation paid.

It can be seen that the law does not clarify the causal relationship between overloading and insured accidents, and does not include accidents caused by overloading as the scope of liability exemption, so many insurance disputes have occurred.

In practice, for traffic accidents caused by overloading of insured vehicles, the standard for insurance companies to compensate is to see whether there is a causal connection between the overloading and the occurrence of the insured accident.

Legal analysis: After a traffic accident, the first step is to notify the insurer within 48 hours, otherwise the insurance company can refuse to pay. The second step is for the insurance company to take the initiative to go to the scene of the accident to conduct an inquest and assess the damage of the accident vehicle after receiving the notice.

The insurance company should assess the damage to the vehicle within 48 hours, and the policyholder cannot repair the vehicle until the vehicle has been assessed.

Legal basis: "Detailed Rules for the Implementation of the Regulations of the People's Republic of China on Compulsory Traffic Insurance" Article 6 The liability limit in the compulsory traffic insurance contract refers to the maximum amount of compensation borne by the insurer for the personal and property losses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

Among them, the compensation limit of no liability is divided into the compensation limit for death and disability without liability, the compensation limit for medical expenses without liability and the compensation limit for property damage without liability.