What are the procedures for car insurance reimbursement and how to reimburse car insurance

The process of auto insurance claim is to go out of the insurance, report the accident, deal with the loss on the spot, confirm the loss, submit the claim materials, and receive the compensation.

Next, let's talk about the steps of car insurance claims.

1.Out of danger

In the event of a traffic accident, the hazard warning flashing lights should be turned on immediately after the accident.

Another note: if you are in danger at night, you must remember to turn on the marker lights and rear tail lights.

2.Report the crime

In the event of an injury, you need to call 120 for emergency services**.

In addition, it is also necessary to call the official ** of the car insurance company in time to report the incident.

I don't know how much the car insurance company's ** is, click here:

2020 Top 10 Auto Insurance Companies** and official website

3.On-site processing confirms the loss

After reporting the case, the investigator needs to assist the owner of the vehicle to deal with it on the spot.

Before the vehicle is repaired, the insurance company needs to be notified for an inspection to determine the repair item, method and cost.

4.Submit claim materials

The claim materials mainly include the vehicle's insurance policy, driving book, driving book, ID card of the insured and liability certificate.

In the case of a unilateral accident, there is no need to submit a certificate of liability.

When the claim materials are ready, you need to go to the car insurance company's claim office with all the claim materials.

5.Claim your payout

When receiving compensation, you need to bring the supporting materials to the damage assessment hall, which mainly include damage assessment sheets, maintenance invoices, maintenance lists and bank cards.

If you are not going in person, you will need to provide a written power of attorney, ID cards of the principal and the principal.

At this point, if you have some other questions about the car insurance claims process, you can check out this article:

How does the insurance company pay for a car accident? Fast claims process for car insurance

Insurance reimbursement needs: traffic police liability certificate, official invoice for car repair, car owner ID card, and the person who handed them over to the insurance company to go out of the scene.

When the insured makes a claim, it shall provide the insurer with the following materials:

1. Insurance policy of compulsory traffic insurance;

2. Claim application issued by the insured;

3. Valid identification of the insured and the victim, the driving license of the insured motor vehicle and the driver's license;

4. The accident certificate issued by the traffic management department of the public security organ, or the relevant legal documents and other certificates issued by the people's court and other institutions;

5. If the insured chooses to handle the traffic accident through negotiation in accordance with the relevant laws and regulations, it shall provide an agreement to record the traffic accident in accordance with the provisions of the "Provisions on Traffic Accident Handling Procedures";

6. Proof of the degree of property loss, proof of personal disability, relevant medical certificates, and relevant loss lists and expense documents;

7. Other certificates and materials related to confirming the nature, cause, and degree of loss of the insured accident.

The reimbursement process for car insurance is as follows:

1. Report the accident in a timely manner, and report the accident to the insurance company within 48 hours;

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 damage assessment;

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

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

Motor vehicle insurance.

That is, car insurance, referred to as car insurance, refers to the motor vehicle due to natural disasters.

or a kind of commercial insurance that is liable for compensation for personal rent or property damage caused by 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 judgment as the subject matter of insurance.

The car insurance reimbursement process is as follows:

1. Report the accident.

If the vehicle is involved in an accident, please report it immediately, and the insurance company will provide timely guidance, handle the accident, and send a special person to carry out the claim service.

2. On-site processing.

After the insurance company receives the report, the insurance company will arrange the assistance of the surveyor in time to deal with the situation on the spot, and the surveyor of the insurance company will remind the owner what claim materials need to be provided.

3. Determination of losses.

The owner of the vehicle should notify the insurance company in time before repairing the vehicle to determine the repair item, method and amount. In order to reduce unnecessary losses, car owners should not pay compensation to third parties without the insurance company determining the losses.

4. Submit claim materials.

The owner of the car goes to the claim hall to submit the claim materials, and after the accident is handled, the car owner submits the claim materials as soon as possible so that the compensation can be paid in time.

5. Review the payment.

After receiving the claim materials submitted by the car owner, the insurance company will complete the approval process as soon as possible.

Hello, I will help you answer the claim process of car insurance.

Claims process. 1. Report to the traffic police and insurance companies, take photos to retain evidence, protect the scene, and move the vehicle away after taking pictures of morning and evening rush hours and congestion.

2. After receiving the report, the insurance company will send someone to the scene to investigate; Generally, if the unilateral loss exceeds 10,000 yuan, or the responsibility for the accident is not clear, the traffic police also need to issue an "accident identification letter".

3. Damage assessment, maintenance, and waiting for the injured to carry out**. In addition, we should also remind the families of the injured to keep the hospital's invoices, medical records and other information, and if we need to pay the medical expenses in advance, we must also keep the receipts ourselves.

4. After the damage assessment and all the injured are completed, you can submit the information required for the claim.

5. After submitting the information, the insurance company will also review the case, and the money will be transferred to our bank account within a few working days.

Car Insurance Reimbursement Process:

Car insurance reimbursement process 1: After the vehicle accident is reported, the insurance company will determine the on-site investigation or drive the car directly to the repair shop according to the case situation. The damage of the vehicle must be signed and confirmed by the owner before the damage assessment can be taken, and the damage assessment form must be confirmed by the three parties, and the maintenance work order must be recorded in detail when the vehicle arrives at the store, and the owner signs for repair.

Car insurance reimbursement process 2: The process of vehicle maintenance is carried out in strict accordance with the regulations, and after the vehicle is repaired and returned to the store for handover, the estimated number of kilometers moved and the actual kilometers moved by the vehicle are recorded in detail.

Auto insurance reimbursement process 3: After the completion of the vehicle damage assessment claim procedure, all chain stores will make a separate backup, so that the car owner can check whether the amount and location of the damage assessment are consistent with the actual loss of the vehicle.

Auto Insurance Reimbursement Process 4: The vehicle for damage assessment and repair enjoys the original quality standard, and ensures that there is no price difference in the case approved by BOC Insurance.

Step 5: The insurance company will accept the case as soon as possible and make a claim.

If you need a more in-depth answer, you can click the link below to receive exclusive services, it is recommended that you contact the insurance company as soon as possible, and the detailed claim materials are subject to the information of the insurance company, I hope my answer can help you. If you are satisfied with my service, please give 5 stars.

Legal analysis: 1. To obtain a traffic police certificate, you must show your driving license, driving license, and ID card, and the on-site traffic police fill in the "Traffic Accident Liability Confirmation". The on-site traffic police will make an accident identification and division of responsibility after investigating the accident according to the statements of all parties.

2. Fill in the insurance form, review the damage assessment, sign and review the claim documents after the claims adjuster completes the on-site investigation and preliminary damage assessment, and then both parties sign for confirmation. After the accident is confirmed, the vehicles of all parties should immediately go to the on-site damage assessment point of the auto insurance claim service point for loss determination. 3. If the insurance company recommends the designated repair shop for repair, the owner needs to hand over the claim materials to the repair shop, and then issue a power of attorney to the repair shop to claim from the insurance company, and then pay part of the repair fee that he should pay.

If the car owner chooses the repair shop to repair by himself, then the car owner needs to take all the claim materials to the insurance company's claims department after paying the repair fee. Fourth, after the review of the compensation settlement, the review of the repair of the vehicle in distress and the handling of the incident, the information required by the car owner when handling the insurance claim at the end of the case are: the original and copy of the motor vehicle insurance policy and the approval form; Notice of Claim for Motor Vehicle Insurance; Copies of driving license, driver's license, ID card; There are also some original copies such as relevant compensation receipts and auto repair invoices; Determination of liability for road traffic accidents, etc.

Legal basis: Insurance Law of the People's Republic of China Article 1 This Law is enacted in order to regulate insurance activities, protect the legitimate rights and interests of the parties involved in insurance activities, strengthen the supervision and management of the insurance industry, safeguard the social and economic order and social public interests, and promote the healthy development of the insurance industry.

When the insured makes a claim, it shall provide the following materials to the insurer: 1. The insurance policy of compulsory traffic insurance; 2. Claim application issued by the insured; 3. Valid identification certificate of the insured and the victim, the driving license of the insured motor vehicle and the driver's license; 4. The accident certificate issued by the traffic management department of the public security organ, or the relevant legal documents and other certificates issued by the people's court and other institutions; 5. If the insured chooses to handle the traffic accident through negotiation on its own in accordance with the relevant laws and regulations, Zao Hui shall provide an agreement to record the traffic accident in accordance with the provisions of the "Provisions on Traffic Accident Handling Procedures"; 6. Proof of the degree of property loss, proof of personal disability, relevant medical certificates, and relevant loss lists and expense documents; 7. Other certificates and materials related to confirming the nature, cause, and degree of loss of the insured accident.

The materials required for car insurance reimbursement are: insurance policy; Relevant documents of the car owner; If the accident certification responsibility letter of the traffic department, the mediation agreement between the two parties, and the corresponding compensation receipt, etc., belong to the insurance liability, the insurance money shall be compensated within 10 days after the agreement with the insured is reached to compensate the insurance money.

[Legal basis].

Article 27 of the Regulations on Compulsory Insurance of Traffic Accident Liability of Motor Vehicles Article 27 If a road traffic accident occurs in an insured motor vehicle and the insured or the injured person notifies the insurance company, the insurance company shall immediately give a reply and inform the insured or the victim of the specific compensation procedures and other relevant matters. Article 29 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that the insurance company shall, within 5 days from the date of receipt of the certificate and materials provided by the insured, verify whether it is an insurance liability and notify the insured of the result; If it does not belong to the insurance liability, the reasons shall be explained in writing; For those who are liable for insurance, the insurance money shall be compensated within 10 days after reaching an agreement with the insured person to compensate the insurance money.