How to report the car insurance, how to report the car insurance

First of all, compulsory traffic insurance must be bought, this everyone knows, if you don't buy compulsory traffic insurance, the traffic police will not let you go on the road, this is mandatory by the state, this is indispensable.

The second is commercial three liability insurance, which is also very important. Because there is a certain limit to the compensation of compulsory traffic insurance, the compensation limit for death and disability is 110,000 yuan, the compensation limit for medical expenses is 10,000 yuan, and the compensation limit for property damage is 2,000 yuan. In order to reduce your own losses, I recommend that you also buy three liability insurance.

In addition, car damage insurance can also be considered, because now there are more vehicles and in some communities due to the chaotic parking of vehicles, it is possible that you have been to the wall or hit the pillar in order to avoid other vehicles, such losses are generally not large, but the bumper is not so strong, some cars lightly hit the bumper and broke hehe, if you have car damage insurance, you don't have to worry about the cost of repairing the car after you hit it, and everything is OK to report an insurance company. Under normal circumstances, the insurance company will pay for such a small accident, (but it should be noted now: 1. If your car has a part that you have installed privately, the insurance company will not pay for this part of the damage.)

2. Don't make a false case, the investigators of the insurance company are not fools, the fake case can be seen at once, if you want to hit it, you will really hit it, hehe, of course, this will not be compensated).

Car personnel insurance, full car theft insurance, glass separate shattering insurance, car cargo insurance, this can depend on whether you want to buy, you can buy if you want to buy it, anyway, it doesn't cost much to buy a full insurance. If you have an accident, all the money comes back, so it's better to buy insurance than nothing.

Insurance company, I suggest you buy Pacific Insurance Company, Ping An Insurance Company, PICC, but the speed of claim settlement is a bit slow, I have seen a customer who bought PICC before, that guy had an accident for half a year, and the money has not been taken out from the insurance company, hehe.

Is there anything else you want to know?

The reimbursement process for car insurance is as follows:

1. Report the accident in time: report to the insurance company within 48 hours after the accident;

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

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

4. Provide documents: deal with car insurance accidents and submit necessary documents;

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

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

The specific steps to apply for car insurance are as follows:

1. Report: Unilateral accidents, such as hitting walls, telephone poles, road teeth, etc., only need to take photos and leave certificates in situ to report directly to the insurance company. If the accident is more serious, please ask the traffic police to confirm it and endorse the authenticity of the accident.

If the responsibility is reached, you can take photos and move the car. The photographs captured the positions of the two vehicles, the details of the damage, and the markings on the ground. Or the dash cam image should be retained, and then the party who is fully responsible can call ** to report the insurance;

2. Damage assessment and maintenance: go to the 4S shop or large repair shop with direct insurance compensation for damage assessment, and there will be no shortage of the damage assessment amount relative to the maintenance amount, and then issue an invoice and then find an insurance company for reimbursement;

3. Claims, sometimes in addition to the car, there will be some that need to be reimbursed, such as the damage of telephone poles and guardrails, you can confirm how to reimburse the insurance company.

Car insurance can be reported as follows:

1. Report the accident in time: report to the insurance company within 48 hours after the accident;

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

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

4. Provide documents: deal with car insurance accidents and submit necessary documents;

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

Car insurance generally refers to motor vehicle insurance, which refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents. Motor vehicle 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.

The specific process of applying for insurance is as follows:

2. On-site investigation, after receiving the report, the investigation personnel of the insurance company will go to the scene in time to investigate, and will confirm the cause, nature and loss of the accident;

3. The loss is determined, followed by the process of damage assessment, the repair shop will price the loss of the vehicle, and the insurance personnel and the owner will sign and confirm after no objection;

4. Submit the claim materials, and the owner submits the required claim materials to the insurance company for claim procedures, and the insurance company further verifies the claim information;

5. Calculate the compensation, if the claim information is true, the insurance company will determine and calculate the compensation according to the contract;

6. Review the payment, the insurance company will be able to pay the car owner's account after being reviewed by different departments. Some insurance companies that pay direct compensation do not need the car owner to pay in advance, and all the payment will be paid directly to the repair shop.

Legal analysis: When the insured vehicle is reported, it is necessary to pay attention to: mark one:

Take photos of the scene. Precautions: The scene must be photographed according to the method of "close-up of the accident site + long shot".

The long-range photo should include the all-round situation of the accident, and the direction should be four directions to the front and back of the accident scene. Tip 2: Report the crime.

Report a bicycle accident to the insurance company's customer service**. Describe the accident process, including the time and place, briefly describe the cause of the accident, and what losses were caused. Follow the guidelines of the insurance company to determine whether you need to report to the traffic police and whether you need to wait for the surveyor to conduct an on-site investigation.

Legal basis: Article 16 In the event of a traffic accident involving an insured motor vehicle, the insured shall take reasonable and necessary rescue and protection measures in a timely manner, and notify the insurer in a timely manner after the accident occurs.

The process of applying for car insurance is as follows:

1. Report the case. Within 48 hours of the accident, the policyholder shall report the accident through the insurance company** service;

2. Survey and damage assessment. The staff of the nearest insurance company outlet where the accident occurred shall conduct inspection and damage assessment;

3. Nuclear price and loss. The compensation case shall be settled within 3 working days and submitted to the person in charge of the Verification and Compensation Section for review;

4. The policyholder submits the claim information to the insurance company's outlets, and the staff uploads the information to the auto insurance claim management system;

5. The claims adjuster will review, adjust and verify the claim from the receipt of the materials;

6. The policyholder can go to the nearest outlet to receive the compensation or get the compensation by transfer.

The information required for car insurance includes driver's license, driving license, ID card, insurance policy, traffic police responsibility letter, maintenance invoices of both parties, bank account number and bank name of the insured, frame code support, etc.

The steps to report vehicle insurance are as follows:

1. Present the insurance documents;

2. Show the driving license;

3. Present your driver's license;

4. Present the ID card of the insured;

5. Present the insurance policy;

6. Fill in the danger report form;

7. Fill in the details of the accident;

8. Fill in the details of the reporter and the driver and the contact**;

9. Check the appearance of the vehicle and take pictures to determine the damage;

10. The claims adjuster leads the owner to conduct a visual inspection of the vehicle;

11. Take photos and verify the damage according to the content of the report filled in by the car owner;

12. The claims adjuster reminds the owner of the vehicle whether there are any valuable items on the vehicle.

Within 60 days from the date of receipt of the request for compensation or payment of insurance money and relevant certificates and materials, if the amount of compensation or insurance money cannot be determined, the insurance company will pay the minimum amount that can be determined according to the existing certificates and materials; After the insurance company finally determines the amount of compensation or insurance payment, it will pay the corresponding difference.

1.Unilateral accidents, report to the insurance company.

2.Accident between two parties: A two vehicles collided, no one was injured, the responsibility was not disputed, and the loss was small. Report to the insurance company.

b No matter what the situation, as long as someone is injured (except for minor injuries, which can be dealt with by yourself), you must call the police + insurance company (+120).

1. Report the accident in a timely manner: After the occurrence of an insured accident, the insured needs to report the accident to the insurance company within 48 hours; 2. Vehicle damage assessment: the staff of the insurance company will investigate the scene of the insured accident and make a preliminary determination of the loss of the vehicle; 3. Nuclear price:

If the damage to the insured's vehicle is not serious, it can be directly verified on the spot, and if the damage is more serious, it will be sent to the damage assessment center for verification.

I hope mine is helpful to you and I wish you a happy life.

First of all, you need to report the case to the claims department of the insurance company, and after the report, the inspector will investigate and assess the damage and sign the mountain auction to review the claim documents, and finally the case can be paid and closed after adjustment and review. Specific process: After the insured accident occurs, the insured reports to the insurance company, which can be carried out by ** report, online report, and outlet report.

Submit the required claim materials to the insurance company, such as insurance contract, identity document, diagnosis certificate, etc.

After the receipt and review of the claim documents and the various documents provided by the insured are complete, the insurance company shall quickly review and verify the relevant documents, investigate and verify the relevant certificates and materials, and approve them with authority. After receiving the information handed over by the internal staff, the manager of the adjustment review and claim verification department will review and sign on the handover book if the documents and procedures are complete; All claims must be settled within 3 working days and submitted to the person in charge of the claims department for review.

The person in charge of the Compensation Settlement Verification Section will submit the claim number that has completed the approval procedures, and submit the compensation receipt and calculation letter to the financial transfer; After the financial department confirms the compensation, except for the red copy of the compensation receipt and the calculation book, the rest will be recovered.

If it is a car insurance reimbursement, I can bring the liability determination, mediation letter, judgment and repair invoice, medical expense invoice, medical records, and the original (copy) of the insurance policy, a copy of the ID card, a copy of the driving license, a copy of the driver's license and other relevant information materials to the insurance company to claim compensation.