After a car accident, do I have to pay for the car repair first?

First of all, the argument that insurance does not have full risk is that marketers mislead customers about all risks. Secondly, insurance is based on the principle of compensation, and it is not right to make a vote in case of insurance. It is the general situation of insurance companies to advance money first and then reimburse.

The amount of loss is small, and you can make a claim without providing an invoice, but the insurance company needs to assess the amount of loss of the vehicle, and it is not that you will be compensated in full if you have issued an invoice.

First of all, it depends on whether you have taken out relevant insurance, whether you have reported to the traffic police and the insurance company, and you have to go to the relevant repair shop specified by the insurance company for repair, and the insurance company can only settle the claim according to the proportion agreed in the insurance contract or relevant laws.

The car insurance claim process of different insurance companies may be different, the specific claim process, the amount of compensation and the proportion of compensation, etc., shall be subject to the regulations of the insurance company, please contact the corresponding insurance company for details.

It depends on which insurance company you are insuring, and whether the car repair shop or 4S shop has a business relationship with this insurance company.

Large insurance companies generally have business relationships with various 4S shops or large repair shops, and 4S shops or repair shops can directly settle with the insurance company, which does not require you to pay in advance and then go to the insurance company for reimbursement.

You can start the repair after the insurance company has assessed the damage, and go to the repair shop to pay the repair money and pick up the car after the insurance company has paid the insurance indemnity. If you are in a hurry, you can pay for the maintenance by yourself.

Car Insurance Damage Assessment Process:

1. After receiving the report, contact the insured in time, and understand the approximate cause of the accident and vehicle information in **.

2. If there is a scene, you need to rush to the scene within the agreed time to investigate (take pictures). First understand the mechanism of the accident, determine whether it is an insurance liability, and need to govern the traffic police investigation. Then formulate a maintenance plan and prepare an investigation report.

3. Collect claim information.

4. Damage assessment (if the maintenance plan needs to be dismantled and inspected mentioned in the damage assessment, you should go to the repair shop to take pictures of the internal parts and assess the damage), after the damage is verified, notify the insured whether to agree to the amount after the damage verification, and if there is no objection, you can start to settle the claim.

5. The recorder is waiting for verification.

6. If the claim is approved, the insured will be notified to receive the compensation.

After the accident, you don't need to advance money to repair the car, repairing the car is different from seeing a doctor, you have to pay a deposit to go to the hospital, otherwise you will not be hospitalized, and you will not be hospitalized if you repair the car, and you can drive it to the repair shop to repair it directly. After repairing, the boss knows more about the claim than you, he will notify the insurance company to settle the bill, the boss is proficient in the flow procedure, and even better than some salesmen of the insurance company. There are also times when you encounter problems, you can't settle for a while, you have to wait patiently, no one pays the bill is not able to drive the car out of the door, ten days and a half months and a month are possible.

Of course, you can also pay in advance, you drive the car away, and take the invoice yourself, but that is quite risky. To put it simply, the affairs of two people are easy to do, one is black and one is white, and the affairs of many people are not easy to do, such as a serial collision, which may be reversed at any time, so it is risky to advance money yourself.

No, if the damage is assessed, the insurance company will first transfer the fixed money to your bank account, and you can go directly to pay for the car and pick up the car after you repair it.

Some of them do, and some of them don't depend on how you communicate with the insurance.

Not needed! Just get there and fix it!

No, the insurance company will give it to you.

No, the insurance company is fully responsible.

No. After a vehicle accident. Report to the insurance company, the insurance company will investigate the vehicle and the scene of the accident.

This insurance can only repair the damage caused by this accident. The previous ones are not covered by this warranty. But this also has to be distinguished, specific situations.

For example, your front bumper.

It turned out that the left side was scratched. But if it's not serious, you'll never stop. This time.

The right side hangs bad. In this case, the insurance company is to repaint the entire bumper for repair. Or replace it with a new bumper.

That's why I repaired it with your last Chinese New Year. It's okay. But if you say I'm breaking into the front bumper this time.

I'm going to repair the rear bumper, but the insurance company won't repair it.

Hello! In the event of an accident, you can pay for the repair of your vehicle through car damage insurance.

When you go to a 4S shop or an auto repair shop cooperated by an insurance company, there are personnel from the insurance company stationed at the office, and you don't need to pay for the business covered by the insurance!

Pay for it yourself. Then the insurance company calls you again.

You need to pay for insurance and repair the car in advance. Blind filial piety.

After all, it takes time to settle a claim, and the car owner cannot get the compensation immediately, so it is often necessary for the car owner to pay in advance and then settle with the insurance company. But there are also those who can drive the car to a designated repair shop or 4S shop for repair, and then as long as the relevant procedures are completed when picking up the car, the repair shop or 4S shop is directly settled with the insurance company. Different insurance companies have different regulations.

When the insurance repairs the car, contact the staff of the insurance company first and ask about the specific situation.

If you need the car owner to pay in advance, and you can't afford the cost of repairing the stove, you can also apply to the insurance company for prepayment. After the review, the insurance company will pay a certain percentage of the compensation in advance to avoid the situation that the car owner cannot pay the repair cost for a while.

If an insured accident needs to repair the vehicle, the owner is generally required to pay the maintenance cost first, and when the repair is completed, the owner should bring the maintenance documents, insurance policies and other materials to the insurance company for reimbursement, and the insurance company will pay the compensation to your account.

Extended Resources:

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.

Top 10 car insurance payout amounts.

The types of insurance that need to be bought for general automobiles are: compulsory insurance, third-party liability insurance, vehicle loss insurance, full car theft insurance, glass breakage insurance, spontaneous combustion loss insurance, special insurance excluding deductibles, no-fault liability insurance, vehicle personnel liability insurance, and body scratch insurance.

Car insurance is different for different cars, ** is different, can only be priced according to the specific model, compulsory insurance compulsory insurance explanation: motor vehicle traffic accident liability compulsory insurance is China's first compulsory insurance system implemented by national laws.

Clause. 1. Compulsory traffic insurance: 950 yuan per year for 6 or less households and 1,100 yuan for 6 or more households.

Conventional insurance total: (the average discount from insurers is 77%)

Clause. 2. Third liability insurance: (compensation amount: 50,000 100,000 200,000 500,000 1 million).

Clause. 3. Vehicle loss insurance: (cash to buy a car** This is to be fully insured.

Clause. Fourth, the whole car theft insurance: (new car purchase price

Clause. 5. Separate glass breakage insurance: (the purchase price of imported new cars, the purchase price of domestic new cars.)

Clause. 6. Spontaneous combustion loss insurance: (purchase price of new car.)

Clause. 7. Excluding deductible special insurance: (vehicle loss insurance + third party liability insurance) 20%.

Clause. 8. No fault liability insurance: (20% of the insurance premium of third party liability insurance).

Clause. 9. Liability insurance for personnel on the vehicle: (500,000 yuan, 50 yuan per person, which can be filled in according to the actual number of seats in the vehicle).

Clause. 10. Body scratch insurance: (compensation amount: 2,500,100,200).

Motor vehicle insurance is generally one year, from 0:00 on the next day you apply for insurance, full of one year, for example, 0:00 on February 21, 2012 - 24:00 on February 20, 2013, you can also apply for insurance on a daily basis.

Summary. Hello, if the responsible party has the car damage insurance company responsible, otherwise the main responsibility needs to pay for it.

Hello, if the responsible party has the car damage insurance company responsible, otherwise the main responsibility needs to pay for it.

The insurance company shall compensate the insured within the scope of responsibility for a traffic accident that occurs during the use of the insured motor vehicle, resulting in personal injury to the victim or property damage. According to Article 5 of the Compulsory Traffic Insurance Clause, there is a clear definition of "victim": it does not include the persons on board the insured motor vehicle and the insured, so the full liability compulsory liability insurance claim does not include itself.

Therefore, the compulsory insurance for one's own losses cannot be compensated.

If you have car damage insurance, you can repair your own car, of course, traffic accidents also need to depend on the responsibility of the traffic police.