What are the car claim process and precautions?

1. Report the case in a timely manner. After a traffic accident? Should car owners protect the site?

And report the incident to the insurance company within 48 hours? Tell the truth about what happened to the accident? Offer an insurance policy?

Waiting for the insurance company's surveyors to come to the scene to investigate? At the same time, fill in the "Application for Claim".

2. Understand the scope of refusal and exemption.

Third, the loss is too small to claim is not cost-effective. Because when it comes to car insurance renewal? The insurance company has a preferential premium clause, that is, the vehicle has not been insured for a year?

When you renew the policy in the second year, you can enjoy a premium discount of about 10%. If there is no insurance record for several consecutive years, then the premium discount can reach up to about 30%.

4. Call 110 after a road accidentLet the traffic police go to the repair shop after opening the certificate, and report the full set of damage assessment now the repair shop can do it, five, non-road accidents (community).Write a certificate yourself, and then find the police station to stamp it.

6. Bicycle accidents: 110 first traffic police bill, and then find a repair shop. Some insurance companies have to look at the scene, and some don't. If you don't want to, drive directly to the repair shop, and if you want to report the accident, wait for the insurance company to come and see the car.

Precautions for the vehicle insurance claim process.

1. Don't always fail to make a claim.

Do you like to be private after a traffic accident, that is to say, afraid of trouble? I feel that it is a waste of time to settle a claim, and I would rather waste this time on arguing with the other car owner. As a result, the time for the settlement of claims is delayed, and it is often not compensated at both ends.

The bitter water can only be swallowed in the stomach. So when there is a traffic accident, if the accident is not too small. It's better not to be selfish, and you can't swallow your anger.

2. Don't make a claim every time.

Even the slightest scratch has to go to the insurance company to settle the claim. Doing so wastes time and increases your own odds. Because the insurance company has a certain discount every year according to the accident rate of the car owner.

Let's take the example of the Pacific Insurance Company. Pacific Company stipulates that after the insured vehicle has been insured for 3 times, the insurance company will increase the deductible by 5% on the basis of the deductible stipulated in the clause for each additional insured accident from the fourth accident.

With a maximum increase of 15% in a year, the deductible is not worth it. Therefore, it is recommended that car owners do not need to waste energy when there is a small loss.

Extended Materials. 4 situations may be exempt from compensation Scratch Insurance, Glass Insurance, Theft Insurance, Car Damage Insurance, etc. Some car owners think that they should buy more insurance for their cars.

Any damage to the vehicle can be claimed by the insurance company. Not really. Some of the losses that you think you can get covered for?

According to the insurance contract, the deductible may be deducted.

Scenario 1?Parts were stolen.

Scenario 2?Loss of parts and components in the car.

Scenario 3?Install equipment without permission.

Scenario 4?Lost car in paid parking lots.

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The auto claim process and precautions are as follows:

1. The auto insurance claim process is as follows:

1) Report the incident, the general insurance company requires the incident to be reported within 48 hours;

2) Survey and damage assessment, the inspector shall complete the on-site investigation and inspection within 1 working day after the internal notice of the insurance company;

3) Sign for the review of the claim documents;

4) Adjustment and review, and the manager of the Claims Verification Section will review after receiving the information submitted by the internal staff;

5) Approval; 6) Settlement of compensation.

2. The precautions for automobile claims are:

1) Report the case in a timely manner;

2) Understand the scope of denial and exemption;

3) Claims for losses that are too small are not cost-effective.

The information for car insurance claims is the original purchase of vehicle insurance.

When the insurance company gives the insurance policy.

The original, as well as the claim form filled out when you went to the police station to report the accident after the accident.

Traffic accident liability certificate provided by the traffic management department.

The traffic accident damage compensation mediation form, as well as the compensation receipt and loss list of the three bureaus, and the compensation certificate for the damaged vehicle of the three parties, remember that the copy must be re-stamped with the official seal once, so that the certificate will be valid.

Automobile claim process: 1. Report the case in time. After the driver has a traffic accident, he shall immediately report to the traffic accident handling authority and report to the insurance company that underwrites the car in a timely manner; 2. Survey and damage assessment.

After receiving the report, the insurance company quickly dispatched its claims adjusters to investigate the accident. The amount of damage to vehicles and property shall be assessed in accordance with the regulations; 3. Rescue**. If someone is injured, you should quickly call 120 for emergency treatment**and send it to the hospital for rescue**; 4. Settle the case through mediation.

After the amount of property loss is determined, after the injured person is discharged from the hospital, or after the traffic police department investigates the relevant circumstances of the accident deceased, the two parties to the accident shall be mediated by the traffic police department in accordance with laws and regulations, and the case shall be closed after the responsible party has fulfilled the compensation obligation; 5. Submit a claim. After the mediation is concluded, the insured shall submit the accident claim materials to the insurance company in a timely manner.

Legal analysis of the return to the nuclear brigade: after the occurrence of a traffic accident, the insured applies to the insurance company for compensation and provides relevant supporting materials, and the insurance company shall, within 5 days from the receipt of the information, verify whether it is an insurance liability, and compensate the insurance money within 10 days after reaching an agreement on compensation for insurance money.

Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 28 If the insured motor vehicle is involved in a road traffic accident, the insured shall apply to the insurance company for compensation for insurance money. The insurance company shall, within one day from the date of receipt of the compensation application, inform the insured in writing that it is necessary to provide the insurance company with the relevant certificates and materials related to the compensation.

A car claim is when the car owner goes to the insurance company to settle the claim after the car has been involved in a traffic accident. The basic process of claim settlement includes: reporting, investigation and assessment, receipt and review of claim documents, adjustment and review, approval, compensation settlement, etc.

Report - Investigation - Case Filing - Damage Assessment - Loss Verification - ** - Data Collection - Adjustment - Compensation Verification - Payment - Case Closure.

The basic process when making a car insurance claim.

1.Present the insurance document, driving license, driver's license, ID card of the insured, and insurance policy.

2.Fill in the accident report form, fill in the details of the accident process, and fill in the details of the reporter, driver and contact**.

3.Check the appearance of the vehicle and take photos to assess the damage.

4.The claims adjuster leads the owner of the vehicle to conduct an appearance inspection of the vehicle, takes photos and verifies the damage according to the report filled in by the owner, and the claims adjuster reminds the owner of whether there are valuables on the vehicle and delivers it to the maintenance station for repair.

5.The claims adjuster issues a task order to determine the maintenance items and maintenance time, and the owner signs and approves it.

6.The owner of the vehicle takes the vehicle to the workshop for repair.

7.After the vehicle is repaired, submit the claim materials to the insurance company, and the insurance company will release the claim payment after reviewing and calculating.

That's all for car owners and insurance company claims adjusters. The next step is to communicate with the insurance company in a timely manner. The car owner needs to actively assist the insurance company to complete the necessary work such as vehicle inspection and damage assessment.

At the same time, when the owner is looking for a rescue company to tow the car and find a repair shop to repair the car, he should also communicate with the insurance company in a timely manner about the first problem. Know the basic car insurance claims process, and your claim will go smoothly.