What is paid separately for car insurance claims and how is paid for car insurance claims

A car claim is when the car owner goes to the insurance company to settle the claim after the car has been involved in a traffic accident. The basic process of claim settlement includes: reporting, investigation and assessment, receipt and review of claim documents, adjustment and review, approval, compensation settlement, etc.

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.

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.

The separate payout for car insurance is:means the insured person after an accident, the insurance company will pay the claim in two installments, that isPay the repair money for both parties to the accident separately. Of course, if in an accidentThere was damage to both people and cars, tooIt is possible to pay separatelyThe specific situation is still according to the contract of the insurance company.

So, what is the whole process of car insurance claims? I believe that many novices don't know yet, this guide should be collected:How does the insurance company pay for a car accident? Fast claims process for car insurance

In fact, the whole process of auto insurance claims is not as complicated as imagined, and it is mainly divided into the following 5 stages:

1.Declare insurance

If you want to make an insurance claim, the most important thing is to beReport an accident in a timely mannerto notify the insurance company and the traffic management department. At the same time, to protect the scene, you can take photos in advance to preserve the evidence, so as to avoid insufficient evidence or destruction of the scene. If someone is injured, you should also call 120 for emergency services** immediately.

2.Fill in the information

After the traffic police arrived at the scene, it was neededFill out the Traffic Accident Confirmation FormAfter surveying the scene and dividing responsibilities, fill in the "Traffic Accident Liability Determination". After the personnel of the insurance company go to the site for investigation, they will sign and review the claim documents and fill in the "Notice of Claim for Motor Vehicle Insurance".

3.Damage assessment

When the accident is confirmed, the vehicle will be assessed for damageNegotiate with the insured to determine the cost of repair hours and materials。If no agreement can be reached, you can apply to the price department or the insurance adjuster company for appraisal. At the same time, the vehicles of both parties should fill in the "Motor Vehicle Insurance Accident Vehicle Damage Project Confirmation Form".

4.Car repairs

After completing the above steps, the car owner needs to deliver the carHave a repair qualification or a familiar repair shopCarry out repairs. The insurance company and the repair shop jointly complete the damage appraisal work, and the damage assessment and repair of the damaged vehicle shall be subject to repair.

5.Claims

After the repair is completed, the owner needs to go to the repair shopPay for repairsThen bring the complete materialto apply for a claim from the insurance company.

In general, the car insurance claim process is not complicated, but it also depends on the service attitude of the insurance company and the efficiency of the claim. You can refer to these insurance companies when buying car insuranceWhich car insurance company provides the best service in 2020

Car insurance and personal injury can be claimed separately from the insurance company.

The process of making a claim for personal injury of a car insurer:

First of all, in the event of a traffic accident, you need to call the insurance company in a timely manner, one is because the insurance company's personnel need to make a record on the spot, and the other is that the insurance company's personnel need to adjust, otherwise the car insurance person's injury claim will be very complicated in the actual compensation process, and the insurance company must hope that their own losses will be reduced to a minimum;

Secondly, when actually making a car insurance injury claim, you still need to know that the mediation is unsuccessful; Because the coordination is unsuccessful, the personnel of the insurance company will leave, and they and the injured person need to negotiate, and at this time they are opposed to the insurance company, so they should still think clearly at this point, so that they can do better when they are specifically protected, or they can rest assured, they need to be considered and explained;

Finally, if the insurance company is not good in the actual compensation process, it needs to go through the relevant legal procedures, so that it can rest assured that it may not be affected in the end.

Car insurance and personal injury can be claimed separately from the insurance company.

The process of making a claim for personal injury of a car insurer:

First of all, in the event of a traffic accident, you need to call the insurance company in a timely manner, one is because the insurance company's personnel need to make a record on the spot, and the other is that the insurance company's personnel need to adjust, otherwise the car insurance person's injury claim will be very complicated in the actual compensation process, and the insurance company must hope that their own losses will be reduced to a minimum;

Secondly, when actually making a car insurance injury claim, you still need to know that the mediation is unsuccessful; Because the coordination is unsuccessful, the personnel of the insurance company will leave, and they and the injured person need to negotiate, and at this time, Li Nahou and the insurance company are opposites, so I should still think clearly at this point, so that I can do better in the specific protection, or I can rest assured, it is necessary to consider and explain;

Finally, if the insurance company is not good in the process of actual compensation, it is necessary to go through the relevant legal procedures, so that you can rest assured that it may not be affected in the end.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

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.

First of all, we need to understand what is the full responsibility of the other party. The full liability of the other party here means that the insured does not have any responsibility in the accident, and the other party pays full responsibility.

1. The claim process of the other party's all-in-one deferred car insurance:

1. After reporting a traffic accident, the first thing to do is to report the accident in time. In general, the insurance company needs the policyholder to report the crime within 48 hours, and if it is a robbery, it should be reported within 24 hours. If there is a person**, you should call immediately.

120, saving lives.

2. After the investigation and report, the insurance company will send someone to the scene to check whether it is within the scope of insurance responsibility. Therefore, before the arrival of insurance company personnel, the car owner must protect the accident scene. If there is a traffic jam in the morning, you can negotiate with the traffic police and wait for the vehicle to be processed.

3. Damage assessmentUnder normal circumstances, if the damage to the vehicle is not serious, the insurance company's surveyor can directly assess the damage on the spot, and the customer can also directly drive the car to the repair shop. However, if the damage to the vehicle is relatively large, it is necessary to go to the damage assessment center for damage assessment.

4. After the above three steps are completed, what you need to do is to submit the claim information. The insurance contract stipulates that the insured shall submit the necessary accident documents to the insurance company within 10 days after the public security traffic management department handles and concludes the handling of the car insurance accident.

When these steps are completed, the car owner can wait for the insurance company's claim notice with peace of mind.

5. After submitting the information, the insurance company will grant the claim.

2. When receiving compensation, the following procedures should be brought to the individual: provide the original ID card of the insured, the original ID card of the person receiving the compensation, and if you entrust others to collect the compensation on your behalf, you should also provide the authorization letter signed by the insured to receive the compensation. Unit:

Bring the official seal or financial seal of the insured's unit, or provide a letter of authorization to receive compensation stamped with the official seal of the insured's unit and the original ID card of the recipient. Claim materials that need to be provided at the time of claim for different accidents.

1. For general car damage cases, you need to provide: the original insurance policy; "Accident Liability Determination", "Accident Mediation Letter" or "Simple Accident Handling Letter" or "Accident Accident Certificate" or "Agreement on the Settlement of Traffic Accidents by the Parties" and "Accident Friendly Record of Both Parties" issued by the traffic police force at the place of danger; Provide an official invoice for vehicle repair (i.e., "special invoice for the vehicle repair industry"); Repair bill of materials; Settlement lists; "Confirmation of Loss of Motor Vehicle Insurance" and "List of Repair Items" and "List of Replacement Items"; (If the insured is an individual, the insured needs to sign and confirm the sale of the hole model; If the insured is a unit, the official seal of the unit is required. Some insurance companies call this policy a "loss assessment order" or a "repair order".

Motor Vehicle Insurance Claim Form; (If the insured is an individual, the insured's signature is required; The insured is a unit and needs to be stamped with the official seal of the unit. Some insurance companies call it the "Notice of Accident", the "Motor Vehicle Driving License" of the driver who caused the accident, the "Motor Vehicle Driving License" of the insured vehicle, and the ID card of the insured.