How is the car insurance compensation compensated, and how is the car insurance compensation paid

The insurance company's auto insurance payment method is mainly compensatory compensation, and the compensation paid by the insurance company to the insured does not exceed the actual loss amount, and is usually paid according to a certain percentage of the loss amount.

In addition, there are also payment compensation and allowance compensation, of which payment compensation refers to the one-time payment of compensation to the insured by the insurance company in accordance with the contract, and the allowance compensation is mainly used in medical insurance to provide hospitalization-related subsidies for the insured.

1. How is the car damage insurance compensated?

1. The compensation standard of car damage insurance is as follows:

1) The insured needs to report to the insurance company within 48 hours after the insured accident in the vehicle damage insurance contract, and if it is a road traffic accident, it is also necessary to report to the traffic police department;

2) The staff of the insurance company goes to the location of the vehicle to conduct on-site investigation, and before that, the insured can take some ** as evidence in advance, and the staff of the insurance company needs to provide corresponding information when they arrive.

2. Legal basis: Article 55 of the Insurance Law of the People's Republic of China.

If the policyholder and the insurer agree on the insured value of the insured object and specify it in the contract, the agreed insured value shall be used as the compensation calculation standard when the loss of the insured object occurs.

If the policyholder and the insurer have not agreed on the insured value of the insured object, the actual value of the insured object at the time of the occurrence of the insured event shall be used as the compensation calculation standard when the insured object is lost.

The sum insured must not exceed the insured value. If the insured value is exceeded, the excess part shall be invalid, and the insurer shall refund the corresponding insurance premium.

If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation according to the ratio of the insured amount to the insured value.

2. What is included in the car damage insurance?

1. Vehicle damage insurance, damage to the vehicle caused by collision, overturning, fire, ** and other insured accidents;

2. Spontaneous combustion insurance, due to the failure of the vehicle's circuit, electrical appliances and fuel supply system, or the loss of the insured vehicle due to the reasons of the goods carried themselves;

3. Glass insurance, which mainly covers the damage of the insured car only in the windshield or window glass;

4. Theft insurance, which can insure the whole car within the scope of the insured car is stolen, robbed, robbed, robbed, and damaged in the process.

Legal Analysis: Coverage of Car Damage Insurance:

1.**No Compensation** follows the practice that most property insurance does not cover** liability, and after covering most natural disasters, ** is also excluded from the car insurance clause. For a long time, insurance companies have always been cautious about the first-class insurance business.

Insurance regulators also discourage insurers from underwriting due to a lack of data and experience.

2.Most insurance clauses will have similar provisions, and insurance companies lack a standard for assessing the loss of mental damages. Any moral compensation arising out of the insured event shall be deemed to be exempt from liability.

3.In the above cases, the driver is not qualified to drive on the road and seriously violates traffic laws. In addition, if the driver does not match the type of driver who is allowed to drive, or if the driver is on the highway during the probationary period, the insurance company will also refuse to pay.

4.The damage caused by the restart of the engine after water ingress is not compensated after the "Maisha" typhoon in 2005, which has caused many disputes. The insurance company believes that if the driver forcibly ignites the damage caused by the vehicle after driving to the depth of the water and the engine is turned off, it is caused by improper operation and is not within the scope of compensation for Fan Fubiwei.

5.If some parts are stolen, if the whole car is quietly stolen, but the parts such as tires, audio equipment, car logos, etc. are stolen, the owner can only consider himself unlucky. Insurance companies usually stipulate that "not all vehicles are stolen, but only the parts or accessories on the vehicle are stolen, robbed, robbed, or damaged" as an exclusion.

6.Flat tires do not compensate for separate damage to car tires, and the insurance company will not compensate for them. However, the insurance company will be responsible for compensation for the loss of other parts of the vehicle caused by collisions, rollovers and other accidents caused by tire bursts.

Note: Car damage insurance is not fully paid, and the insurance company will set an absolute deductible in the car damage insurance terms and list the liability exclusion clauses according to the specific circumstances. At present, many insurance companies have introduced deductible insurance, and the insured can transfer the deductible amount borne by the accident liability to the auto insurance company, and the car owner will receive more compensation.

Legal basis: "Provisions of the People's Republic of China on Vehicle Loss Insurance" Article 9 The insured amount shall be determined by the policyholder and the insurer in the following three ways, and the insurer shall bear the corresponding liability for compensation according to the different ways of determining the insured amount: it shall be determined according to the purchase price of the new car of the insured vehicle at the time of insurance.

The purchase price of a new car in this insurance contract refers to the purchase of a new car of the same type as the insured vehicle (including vehicle purchase tax) at the place where the insurance contract is signed.

The basic Liuzhou itinerary for car owners at the time of claim settlement is as follows:

1. Present insurance documents, driving licenses, driver's licenses, ID cards of the insured, and insurance policies;

2. Fill in the accident report form;

3. Fill in the details of the accident;

4. Fill in the details of the informant and the driver and the contact**;

5. Check the appearance of the vehicle, take photos and assess the damage;

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

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

8. The claims adjuster reminds the owner of the vehicle whether there are valuables on the vehicle;

9. Deliver to the maintenance station for repair;

Claim settlement is a concrete embodiment of the insurance company's implementation of the insurance contract, the fulfillment of insurance obligations, and the omission of the insurance liability. Only when the claims settlement work is done well can the insured be compensated for their losses, the functions and roles of insurance can be developed, the smooth operation of social reproduction and the normal stability of the people's lives can be guaranteed, and the credibility of the insurance company can be enhanced.

Car insurance payouts need to be contacted by the insurance company first, and then paid according to the specific situation, as follows:

1.The user should contact the insurance company as soon as possible in the event of an insured accident, and do not exceed the time specified in the contract. If there is a ** and other situation, you should contact 120 and 110 as soon as possible.

2.The insurance company went to the scene to conduct relevant investigations according to the circumstances of the accident.

3.After the investigation is completed, the beneficiary provides the corresponding claim information to the insurance company.

4.The insurance company reviews the claim information.

5.After the review is passed, the insurance company will use direct transfer to the user's bank card for compensation. A car insurance claim is when the owner of the car goes to the insurance company to make a claim after the car has been involved in a traffic accident.

The basic process of claim settlement includes: reporting, investigation and assessment, signing and reviewing claim documents, adjustment and review, approval, compensation settlement and other steps.

Auto insurance claims have significant characteristics: the public nature of the insured, the high loss rate and small loss margin, the large liquidity of the subject matter, the degree of restriction by the repair shop, and the general moral hazard.

Further information: Unlike other insurance, auto insurance also has significant features in its claims work. Claims workers must have a sober and systematic understanding of these characteristics, and understanding and mastering these characteristics is the premise and key to doing a good job in auto claims.

1) The public nature of the insured.

The insureds of China's auto insurance used to be mainly units and enterprises, but with the increase in the number of vehicles owned by individuals, the proportion of single car owners among the insured will gradually increase.

2) The loss rate is high and the loss range is small.

Another characteristic of car insurance is that although the amount of loss from insured accidents is generally not large, the frequency of accidents is high. Insurance companies need to invest a lot of energy and expenses in the process of operation, and some accidents are not large, but they still involve the quality of service to the insured, and (3) the subject matter is highly liquid.

Due to the functional characteristics of the car, it is determined that it has considerable mobility. The uncertainty of the location and time of vehicle accidents requires insurance companies to have a well-functioning service system to support claims services, with a round-the-clock report acceptance mechanism and a large and efficient inspection network.