Is car insurance all claimed nationwide, and can car insurance be claimed nationwide?

Hello! At present, domestic auto insurance companies basically follow the principle of proximity to make auto insurance claims, generally speaking, the larger the auto insurance company, the more obvious the advantage in the national claim. Therefore, when the majority of car owners apply for car insurance, they should consult the specific situation of car insurance claims, so as to make their travel protection more convenient.

Duobaoyu provides a wide range of car insurance products, including PICC Auto Insurance, Huatai Auto Insurance, Dadi Auto Insurance, Ping An Auto Insurance and Pacific Auto Insurance, all of which support national claims.

The car insurance claim process of different insurance companies may be different, the specific claim process, compensation amount and compensation ratio shall be subject to the official insurance company that underwrites you, please contact the corresponding insurance company for details.

Car insurance is generally settled nationwide.

But the car insurance claims process of different insurance companies.

It may vary, and the specific claim process, compensation amount and compensation ratio are subject to the official insurance company that underwrites it.

The claim process for car insurance is as follows:

1. After the Shanchun accident occurs, keep the current Weiliang field of the accident and report the accident to the insured insurance company within 48 hours;

2. If the loss is small, the insurance company can send someone to the site to investigate, and can directly issue an "investigation report". If the loss is large, report to the traffic police department first, and the traffic police department will investigate and collect evidence at the scene, and issue an "accident identification certificate".

3. The owner will send the vehicle to the damage assessment center;

4. The owner of the insured vehicle collects the claim information and submits the materials to the insurance company for claim procedures;

5. After receiving the complete claim documents, the insurance company will adjust the final compensation amount and transfer the compensation to the bank account designated by the car owner.

Car insurance doesn't have to be a full payout.

In most cases, the full coverage of car insurance is all-inclusive, but it is not covered in the following cases:

1. If you hit your own family, you won't be compensated;

2. If the headlights or reversing mirrors are damaged separately, no compensation will be paid;

3. No compensation will be paid for letting the perpetrator who is fully responsible;

4. No compensation will be paid for engine damage caused by forced ignition in deep water;

5. No compensation will be paid for the losses caused during the repair of the vehicle;

6. No compensation for the accident caused by towing a car without compulsory traffic insurance;

7. No compensation for equipment installed without permission;

8. No compensation if it is damaged by the items on the car;

9. No compensation will be paid for direct repair without damage assessment;

10. If the vehicle parts are stolen, if the vehicle parts are only stolen such as tires and audio equipment, the owner can only bear the loss;

11. No compensation will be paid if the vehicle is not inspected annually. The insurance is only valid for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as non-conforming vehicles.

Most of the former insurance companies can achieve inter-provincial or national claims. For example, Chinese life.

Ping An Insurance, Pacific Insurance.

Taikang Life, New China Life, Taiping Insurance, Chinese Insurance and so on. If you are not sure whether the insurance company can make a claim in another place before applying for insurance, you can consult the insurer or the customer service of the insurance company.

According to the "Regulations on the Administration of Insurance Companies", insurance companies cannot sell insurance across regions, but consumers can buy insurance across regions.

First of all, applying for insurance in a different place does not affect the validity of the insurance contract, and secondly, the insurance claim has nothing to do with the region. The insurance company supports the national general claim, and the insurance company will never refuse to pay because of changing places to live.

The claim process for hospitalization medical insurance is as follows:

1. Report: If the insured encounters an accidental injury or illness and needs to be hospitalized**, the policyholder or beneficiary shall notify the insurance company in time, and at the same time keep the relevant expense receipts for future reimbursement.

2. Fill in the relevant **: After Qi Yan receives the claim notice, the insurance company will send the "Hospitalization Claim Application Form" to the customer with a list of relevant claim documents. The applicant should fill in the ** and prepare the relevant documents according to the requirements of the insurance company.

The information to be submitted usually includes the "Hospitalization Claim Form" signed by the attending doctor, as well as relevant claim documents and medical records.

Various examination reports, hospitalization receipts, discharge summaries.

etc., and send it to the insurance company.

4. Draw a compensation conclusion: After receiving the relevant information, the insurance company will quickly claim the claim, first review and verify the facts, and then make the final audit results of whether the compensation should be made and how much insurance money needs to be compensated. If the insurance company needs to pay compensation, the company's finance department will notify the policyholder to collect the insurance money.

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Hello Q&A! At present, domestic auto insurance companies DAO basically follow the principle of returning to the nearest car insurance to answer auto insurance.

Summary. Dear, hello, I am happy to answer for you, our insurance is a national claim Under normal circumstances, larger and more formal insurance companies belong to the national joint insurance, which can make claims for accidents that occur in other places.

Dear, hello, I am happy to answer for you, everyone's insurance is a national claim Under normal circumstances, relatively large and more formal insurance companies are all affiliated to the national high insurance company, which can make claims for accidents that are stuffy in other places.

Established on June 25, 2019, Dajia Insurance Group Co., Ltd. is a comprehensive insurance group with a business scope covering property insurance, life insurance, endowment insurance, asset management and other fields. The insured amount refers to the maximum amount of the insurer's liability to compensate or pay the insurance money. In different insurance contracts, the methods and principles for determining the amount of insurance are different:

In a property insurance contract, the valuation and determination of the insured value directly affect the size of the insured amount. The insured value is equal to the sum insured and is fully insured. If the insured amount is lower than the insured value, the insurance company will compensate the insurance company in proportion to the insured amount.

The insured amount in excess of the insured value is overinsured, the insured amount in excess of the insured value is invalid, and the malicious excess insurance is fraudulent and may invalidate the insurance contract. In the life insurance contract, the price of the person cannot be measured, and the insurance amount is the maximum amount of payment or the actual amount paid by the insurer as agreed by both parties in the life insurance contract.

Summary. Theoretically, the loss ratio = (compensation expense premium income) 100%, but the compensation expenditure here only refers to the part of the accident that has occurred and the compensation has been paid in the actual accounting; If the accident has already occurred and the liability for compensation has begun, the part of the case that has not been closed or the actual payment for some reason is not counted. Except in an ideal situation, i.e., when the accident occurs and the compensation is paid immediately, the compensation payment includes the entire liability for the compensation that has occurred.

But in fact, this ideal state cannot exist. It has been made clear that regardless of the loss ratio of the accounting period examined, the compensation expense should be added to the outstanding claims of the current period. For the sake of brevity, the sum of the indemnity expenses and the outstanding indemnity is collectively referred to as the liability indemnity.

Hello, of course not, each company's loss ratio is not the same.

Theoretically speaking, the loss ratio = (compensation expenses and premium income) 100%, but the compensation expenses here only refer to the part of the accident that has occurred and the compensation has been paid in the actual accounting; If the accident has already occurred and the liability for compensation has begun, the part of the case that has not been closed or the actual payment for some reason is not counted. Unless it is in a very ideal state, that is, once the accident occurs and the compensation is paid immediately, the compensation expenditure includes all the compensation liability that has occurred. But in fact, this ideal state cannot exist.

Then it has been made clear that no matter which accounting period is examined, the compensation expenditure should be added to the current pending Hongfan compensation. For the sake of brevity, the sum of the indemnity expenses and the outstanding indemnity is collectively referred to as the liability indemnity.

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