How long does it take for a car insurance claim to be reviewed, and how many days does it take for a

When the customer submits a claim application, the insurance company will verify the situation in a timely manner, and if it is an insured accident, the compensation will be closed within 10 days if the information is complete;

If the situation is complicated and it takes time to verify the case, a decision will be made within 30 days to compensate or not to compensate;

If the situation is complicated and the final compensation amount cannot be determined, the insurance company must also pay the definite compensation amount in advance within 60 days, and will not delay it again and again. This situation is generally more property insurance or involves third-party liability;

If it is not covered by insurance, the insurance company will notify the customer within 3 days and explain the reason for the denial.

It can be seen that all insurance companies are treated equally by the Insurance Law, and under strict supervision, the CBIRC is a tight spell on the heads of insurance companies on the solvency of insurance companies on a quarterly basis. Under strong supervision, it is subject to the constraints of national regulatory agencies.

It is generally said that within 30 days, and the statement is not rigorous.

The claim settlement time is divided into three stages: prepare the claim information; The insurance company reviews and gives the claim result; Funds are made to the client's account.

The 30 days mentioned is the time of the review stage, which is calculated from the time after the complete claim information is submitted, not from the day of hospitalization.

Let's talk about the time of the three stages, and finally add them together to get the answer, how long will it take to get the claim payment!

02 Let's talk about it first, the two times are relatively fixed.

Insurance company review and claim results.

Based on the Insurance Law and practical experience, the following conclusions are drawn:

If the claim amount is less than 5,000 yuan, if there is no dispute, the result will be given within three days on average.

If the claim amount is greater than 5,000 yuan, the claim is settled within two years of insurance, the situation is complicated, and the claim is disputed, the result will be given within 30 days.

Funds are made to the client's account.

An average of 1 to 3 working days.

03 Next, let's talk about the complicated situation in detail.

Prepare claim documents.

For medical expense reimbursement and allowances, you need to print out the medical records after being discharged from the hospital before applying for compensation, and the inpatient medical records need to be printed one week after discharge. The approximate time is: length of hospital stay + 7 days.

Death, in fact, is a bit complicated, the cause of death is illness or accident, whether the beneficiary is statutory or designated, according to the most complex situation to prepare information, two weeks is definitely enough, that is, 14 days.

Accidental disability requires disability identification, which needs to wait until the end of ** and the condition is stable, the fastest is 3 months, and the slowest is a year.

For critical illnesses, you can apply for compensation if you meet the requirements, but there are also two types:

The second. If there is still a state of disability after 180 days, the disability assessment will be carried out according to the situation. Such as: sequelae of stroke.

Finally, add up the time of the three links to get the approximate claim time.

For example, if the hospitalization expenses are reimbursed less than 5,000 yuan, the medical insurance claim = hospitalization time + 7 days + 3 days + 1 day.

What should I do if the claim period is long, I pay a lot of medical expenses in advance, and I am under pressure.

In some medical insurances, there is a function of paying medical expenses in advance, and the insurance company does not even need to pay for the customer, and the insurance company directly settles the expenses with the hospital.

Hello dear, under the premise of complete information, generally speaking, small claims can be received in one day, and large claims take one to ten days. However, it should be noted that the regulations of different insurance companies are different, and the specific arrival time will be slightly different. In the case of Pacific Insurance, for example, it will generally arrive within three to seven days after the relevant person notifies the insurance company.

Than the heart] [than the heart].

If the insurance company has a large number of applicants, the review time will be longer than usual. Generally, the review takes about 7-10 days. If it is a standard body, the review will be approved immediately after the transfer is successful.

Legal analysis: 1. Ping An Auto Insurance: Generally speaking, after the accident, the owner can call 7 24-hour Ping An Auto Insurance Claim**95511 to report.

Ping An auto insurance claims are normally paid within 3 working days, beyond the commitment period, Ping An pays the owner penalty interest at 3 times the daily interest rate of the bank, but recently Ping An auto insurance adheres to the "fast and easy to exempt", standard cases, complete information, less than 10,000 yuan, one day compensation.

2. Pacific Auto Insurance: The normal situation of Pacific Insurance's claim settlement is 15 days, but for claims under 10,000 yuan, as long as the documents are complete; After both parties confirm the amount of damage, they can get compensation.

3. PICC car insurance: The claim speed of PICC car insurance is not only related to the insurance company, but also related to the amount of the case and the size of the accident.

Legal basis: Insurance Law of the People's Republic of China

Article 23 After receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay insurance money. If the insurance contract stipulates the time limit for compensation or payment of insurance money, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the agreement.

If the insurer fails to perform the obligations provided for in the preceding paragraph in a timely manner, it shall compensate the insured or the beneficiary for the losses suffered thereby, in addition to paying the insurance money.

No unit or individual may illegally interfere with the insurer's performance of the insurer's obligation to compensate or pay insurance money, nor shall it restrict the right of the insured or beneficiary to obtain insurance money.

Article 24 After making an assessment in accordance with the provisions of Article 23 of this Law, the insurer shall, within three days from the date of making the verification, issue a notice of refusal to compensate or refuse to pay the insurance money to the insured or beneficiary if it is not an insurance liability, and explain the reasons.

Summary. Generally speaking, the insurance company can complete the claim review within three to seven working days, and the latest is not more than 30 days, and the insurance company can be complained about to protect its legitimate rights and interests after 30 days.

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The insurance company's claim period must be within 30 working days.

Article 23 of the Insurance Law stipulates that after the insurer receives a request for compensation or payment of insurance money from the insured or beneficiary, it shall make an assessment in a timely manner; If the situation is complicated, the verification shall be made within 30 days, except if otherwise agreed in the contract.

Generally speaking, the insurance company can complete the claim review in three to seven days, and the latest is not more than 30 days, and more than 30 days can be complained to the insurance company to protect its legitimate rights and interests.

Hello, generally speaking, if the larger the amount involved, the longer the review time. At the same time, it should also be decided according to the complexity of the case. For more information about insurance claims, you can take a look at this article about daddy. How much do you know about insurance claims? 》

Characteristics of life insurance claims: complete information.

The following yuan will be paid on the same day.

2.Hospitalization for 2 days visit.

Days to the account. 4.Interest-bearing claims for special cases.

If the materials are complete, the verification will be made within 30 days, and the insurance company will pay the compensation within 10 days after the insurance liability agreement is reached, and if it is not the insurance liability, it will issue a notice of refusal and explain the reasons within 3 days from the date of verification.

Pacific usually takes 3 to 5 days, and one of my clients got the claim in place on the same day.

This system of looking at the company is different from one company to another, and the safe one is within three days.

Generally, it is two working days, and it will take a little longer for large amounts.

For standard life insurance cases, the information is complete and will arrive in 2 days.

Verification within 5 days; The situation is complicated by 30 approvals.

The information is complete, three working days.

Don't be misled by the following drags anymore, I died in an ordinary traffic accident, two months, half a month after submitting information, no news, Ping An Life Insurance, just life compensation!!

I feel like I've been cheated and haven't heard from me for 25 days.

Tanling 1. The insurance company's claim settlement shall be reviewed for 30 days. Fight high.

2. The Insurance Law stipulates that the insurance company shall make a decision to settle the claim within 60 days after receiving the complete information of the insured, and if the compensation is refused, the reason for the refusal shall be given in writing and the customer shall be notified within 3 days. The date of amendment of the New Insurance Law is within 30 days.

How long does it take to make a vehicle insurance claim? It is understood that the biggest contradiction between car owners and insurance companies is the problem of claims. Sometimes car owners will encounter a situation where they do not receive a reply for more than half a month after submitting the claim form.

Why? Below, Lebao. com Bianshaw walks you through the factors related to the auto insurance claim cycle.

The first thing you do after an accident is to report it to the traffic police and insurance company. Under normal circumstances, the insurance company will require the insured to report the loss of the vehicle within 48 hours. However, if the car owner fails to report the accident within the specified time, it may cause the insurance company to increase the review process in the claim settlement process and delay the settlement of the claim.

**After reporting the incident, the insurance company will send a surveyor to the scene to take photos and assess the damage to the damaged vehicle. The inspector will provide the customer with a damage assessment form indicating which parts need to be repaired or replaced, and which repairs**. If there is any objection to the repair site and ** during the repair process, you can negotiate with the insurance company to re-determine the damage.

After the vehicle repair is completed, the owner must provide the relevant materials to the insurance company after verifying that there are no errors. In general, it is necessary to submit a car insurance policy, the insured's ID card, driver's license and vehicle driving license, and an accident certificate issued by the traffic police. When a third party is involved, documents such as the third-party ID card, property damage certificate or personal disability certificate must be provided.

After reviewing these materials, the insurance company will compensate according to the insurance contract, and then the car owner can get the insurance payment.

However, if the car owner does not follow these claim procedures, or does not provide any information during the claim process, it will affect the speed of the claim. In addition, some insurance companies promise to pay small claims within 3 days.