What is the process of applying for insurance when the car scrapes itself

I scraped the car and reported the insurance process by myself:

2. After the insurance company's survey personnel arrive at the scene, they will confirm the cause, nature and loss of the accident. For some small scratch accidents, the insurance staff will let the car owner take a photo of himself and send it to WeChat.

3. Then there is 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. Collect the required materials of the case and submit them to the insurance personnel for claim procedures.

5. The insurance company can pay the car owner's account after being reviewed by different departments. Some insurance companies that pay directly do not require the owner to pay in advance, so the payment will be paid directly to the repair shop.

Often there are many minor scratches on the vehicle that did not occur in the same accident, and if the old injury is not reported for more than 48 hours, the insurance company will not recognize the old scratches. Of course, there is no way to deal with it, some old drivers introduce how to save scars together with the insurance method, that is, to the repair shop to help the owner fake the damage caused by the same accident, you can get closer to the direction of the most compensation. But this method is not worth advocating, after all, insurance companies will investigate insurance fraud, and sometimes the gains outweigh the losses.

In addition, what you must not say when reporting car insurance:

1) Two or three days after the accident, because most insurance companies fail to report within 48 hours, they will not make a claim to their owners.

2) If you can't find your driver's license, this situation will be recognized as driving without a license and you will be released, and driving without a license is also a refusal to pay compensation, so find a way to get your driver's license back.

3) The vehicle has been repaired, take the invoice and the insurance company for reimbursement, in this case, the insurance company has the right to refuse compensation, because the vehicle has been repaired, the insurance company can not determine whether you have falsified the invoice and defrauded the compensation.

However, the owner does not have to worry too much, because even if he hits the stone pier, he can also get the insurance full accompaniment, but he needs to keep the first scene of the accident after the accident and take pictures for evidence, if he does nothing and goes directly, it will produce 30% free odds, and the claim can only pay 70% after the fact, which is why the gearbox is broken and the insurance compensation is 70%.

Insurance application process:

1. Inspect the documents, show three certificates and insurance policies: the driving license of the car, the driver's license, the ID card of the insured, and the insurance policy of the policyholder;

2. Bad car inspection, preliminary vehicle loss parts, bad car inspection, filling in the case approval form, copying all documents, etc.;

3. Photo damage assessment, photo damage assessment, and arrange treatment opinions;

4. Report the case regularly and report the case in accordance with the content of the case approval form. After the repair is completed, bring all the documents and the repair invoice to the repair office to pick up the car, and let the repair office ** claim.

Summary. You can go for insurance. If you scrape the car yourself, it means that it is a unilateral accident, and there is no loss of the three, report to the car insurance company within 48 hours, and the insurance company will send a special damage assessor to assess the damage, but if it exceeds 48 hours, you will need to bring your original ID card to the insurance company to report.

The insurance company's rate fluctuation rule is: new car or less than 3 claims in the previous year, the premium remains the same. If there are 3 claims, the premium will rise by 10%, if there are 4 claims, the premium will increase by 20%, and if there are 5 or more claims, the premium will increase by 30%, otherwise, if there is no claim in the previous year, the premium will be 9% off, and if there is no claim for two consecutive years, the premium will be 20% off.

If you scrape the car yourself, the cost of the next year's premium** exceeds the cost of your own repair, it is recommended not to take the insurance, choose to repair it yourself, on the contrary, if the scratch is too serious, the cost of your own repair far exceeds the cost of the annual premium ** after the insurance, it is recommended to go directly to the insurance.

Hello dear! OK.

You can go for insurance. If you scrape the car, it means that it is a unilateral accident, no three losses, report to the car insurance company within 48 hours, and the insurance company will send a special damage assessor to assess the damage, but if it exceeds 48 hours, you will need to bring your original ID card to the insurance company to report. The insurance company's rate sliding rules are:

If there are less than 3 claims for a new car or in the previous year, the premium will remain unchanged. In the event of 3 claims, the premium will rise by 10%, in the event of 4 claims, the premium will increase by 20%, and in the event of 5 or more claims, the premium will increase by 30%, on the contrary, if there is no claim in the previous year, the premium will be discounted by 9%, and if there is no claim for two consecutive years, the premium will be discounted by 20%. If you scrape the car, the cost of the insurance next year's premium ** exceeds the cost of your own repair, it is recommended not to take insurance, choose to repair yourself, on the contrary, if the scratch is too serious, the cost of your own repair is far more than the cost of the annual premium ** after the insurance, it is recommended to go directly to the insurance.

How do I apply for insurance?

Hello! The insurance application process is as follows:1

Report the incident to the insurance company within 48 hours of the incident. 2.After receiving the report, the customer is required to fill in the "Business Accident Registration Form" immediately after receiving the report.

3.The back office immediately inspects and copies the policy copy and copy the policy, policy copy and schedule according to the certificate of insurance or policy number provided by the customer. 4.

Confirm that the subject matter of the insurance is paid within the validity period of the insurance or before the accident, and require the customer to fill in the "Inquiry Form for Filing a Case for Insurance", file the case, and prepare the case number in the order of reporting. 5.Issuance of claim documents.

6.Notify the inspector and report the damage and the location of the accident. Article 60 of the Provisions on Procedures for Handling Road Traffic Accidents The traffic management department of the public security organ shall determine the responsibility of the parties according to the role of the parties' actions in the occurrence of road traffic accidents and the severity of the fault.

1) Where a road traffic accident is caused by the fault of one of the parties, full responsibility shall be borne by the party; (2) Where a road traffic accident occurs due to the fault of two or more parties, they shall bear primary responsibility, equal responsibility and secondary responsibility respectively according to the effect of their actions on the accident and the severity of the fault; (3) None of the parties is at fault for causing the road traffic accident, which is a traffic intention.

The car was scratched somehow, how to apply for insurance.

Hello, the car is scratched somehow, the process of applying for insurance: 1. After the owner finds that the vehicle has been scraped, he needs to call ** with the insurance company within 48 hours to report the case and explain the specific situation of the vehicle. 2. When the insurance company receives the report from the owner, it will send a special person to investigate and confirm the cause of the accident and the loss.

3. The next step is the process of damage assessment, and the repair shop will price the loss of the vehicle. If neither the insurance company nor the car owner has any objection, both parties need to sign for confirmation. 4. Then the owner needs to collect all the relevant information, and then submit it to the staff of the insurance company to apply for the corresponding claim.

5. After the staff of the insurance company confirms, the amount of compensation will be transferred to the owner's account.