Is Ping An car insurance good? Do you pay for the repair first?

The general insurance process is as follows: out of danger - the insurance company goes to the scene to take pictures, the traffic police determine the responsibility or negotiate on their own - go to repair the car - insurance.

The company issues a damage assessment** and notifies you and the repairer - according to the amount of the damage assessment to the repairer to issue an invoice, which requires you to pay the maintenance fee in advance, take the maintenance invoice of both parties to the insurance company for compensation, and the insurance company will put the money into the insured's account.

After the damage assessment is down, you don't have to wait for the car to be repaired, you can issue an invoice and go through the claim process first.

If the claim is fast, your car can't be repaired, and the compensation can be received, so that you don't have to pay the maintenance fee in advance, and if it is slow, you can only pay it yourself.

Ping An car insurance, which is used for both cars, can also be said to be not only fast and convenient, but also the customer service is also very professional.

Car insurance claims can be quickly responded to and processed in the first time during holidays.

As long as the following conditions are met, Ping An car insurance can apply for compensation from the insurance company before repairing the car, and you don't need to pay in advance.

1. In pure vehicle damage cases that do not involve personal injury or property damage, the responsibility for the accident is clear.

2. The relevant documents of the claim are valid and complete.

3. Agree to go to the cooperative factory with Ping An for maintenance, and agree that the repair invoice and claim documents will be collected and handed over to Ping An by the cooperative factory of Ping An Quick Compensation.

For more details, it is recommended that the landlord call Ping An customer **95511 to ask.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

1. Subrogation is the sole responsibility of the other party, and you should go to your own insurance company to claim the claim. After repairing the car, Ping An Insurance went to the other party's insurance company to ask for the money. Nowadays, there are very few insurance companies that can do direct compensation, and they all require customers to repair the car first and advance money first.

Then give the money to the customer. There must also be an invoice.

2. After the owner of the party responsible for the traffic accident reports the case, the insurance company will send someone to assess the damage, and after the insurance company's staff assesses the damage, the two parties will determine the specific maintenance amount at the 4S shop, and the responsible party can make up the maintenance costs. The above is how to deal with the whole process of traffic accidents, in fact, the whole process is not very difficult to deal with, as long as the car owner is calm, such a problem is very simple to solve.

It is not clearly stipulated whether the subrogation repair cost is paid by the insurance company or by the individual. Generally, after the damage is assessed, the maintenance cost of the party's vehicle is composed of two pieces, and the part borne by the insurance company is paid by the party in advance, and then the car is claimed by the owner's insurance company according to the repair invoice. The other part is the part of the compensation that should be paid by the rear car, which should be paid by the owner of the rear car or the driver who caused the accident, and then the other party should go to his own insurance company to claim payment.

Subrogation means that when the loss of the vehicle is caused by a third party, the policyholder can apply to the insurance company for compensation, and the insurance company needs to fulfill the liability to compensate the owner for the compensation that the third party should pay, and then the insurance company will recover compensation from the responsible party.

1. Conditions for applying for subrogation:

1.When the other party's vehicle is not insured, and the other party's vehicle has not been insured, and the other party's owner refuses to compensate;

2.When the other party refuses to sign the liability determination letter, the other party is dissatisfied with the traffic police's division of responsibility for the accident and refuses to sign the accident liability determination letter;

3.When a luxury car is rear-ended by a cheap car, and the responsible party has no money to compensate;

4.When the party responsible for the full party deliberately delays or refuses to pay compensation;

5.If the vehicle is scratched, but the other party escapes, if the information of the vehicle that caused the accident is recorded, you can also apply for subrogation compensation.

2. The process of subrogation:

2. Damage assessment and repair: According to the insurance company's damage assessment ruling, the maintenance items should be repaired to the maintenance points above the second class.

3. Waiting for reconsideration: The reconsideration time is 15 days.

4. Insurance compensation: After the vehicle is repaired, you will pay the maintenance costs in advance, and then go to the claim point of the company that purchased the insurance for your vehicle to reimburse the claim.

Extended Information: Ping An Insurance Claims Process.

1. Call 95511 to report the case.

Call 95511-9 immediately after an accident and a claims specialist will arrange assistance based on your situation.

2. Accident investigation.

The surveyor provides you with 7x24 hours on-site accident investigation services, confirms the accident insurance liability, loss and cost, and recommends the loss repair plan.

3. Confirm the loss repair plan.

Choosing the repair method of damaged property, including the selection of vehicle repair shops, etc.; Customers who meet the conditions for quick claims can take the fast claim channel and get it in 4 steps.

4. Repair the car. For vehicle maintenance, it is recommended to choose a repair shop recommended by Ping An, which is of high quality, convenient and guaranteed.

5. Submit claim information.

If the compensation amount is less than 10,000 yuan, the car is purely damaged, and there is no case for the repair shop to handle the compensation on behalf of the company, you can enjoy the door-to-door claim collection information service; Other car owners can submit the information to the counter of the claim office for review.

6. Receive compensation.

After the claim information is reviewed, the case is closed. Ping An will pay you the compensation by bank transfer and complete the claim. Car owners who meet certain conditions can enjoy instant payment of compensation.

Hello! Whether Ping An car insurance requires the owner to pay for the maintenance cost should also be based on the actual situation. If the car owner is fully responsible for the traffic accident, he needs to pay the repair cost in advance and then reimburse the Ping An Auto Insurance Company; If the owner does not have enough money to pay in advance after the vehicle is out of insurance, he can press the car in the repair shop, let the repair shop issue an invoice, and then reimburse Ping An Auto Insurance; If the accident is a pure car damage case that does not involve personal injury or property damage, and the accident responsibility is clear and the claim documents are valid and complete, Ping An Auto Insurance Company will pay the compensation first, and then you will repair the car.

Ping An auto insurance claims do not necessarily need to be paid in advance. Generally speaking, the car owner or a third party is not obliged to pay for the loss or personal injury medical expenses in the vehicle insurance, but in some cases, the car owner can only pay after the car owner has submitted the vehicle repair invoice and related materials. Therefore, the vehicle repair fee needs to be paid in advance, but if the car owner bears too much financial pressure on the car insurance compensation, he can also apply to the insurance company for early payment; It should be noted that compulsory traffic insurance generally supports insurance companies to pay for personal injury rescue expenses in advance.

Further information: 1. Ping An Property & Casualty Insurance Co., Ltd. (hereinafter referred to as "Ping An Property Insurance") was born in Shekou, Shenzhen in 1988, which is the starting point for Ping An Insurance (Group) of China (hereinafter referred to as "Ping An Group") to achieve diversified development; Ping An P&C is the second largest property insurance company in China in terms of premium income. Since its establishment 32 years ago, Ping An Property & Casualty has adhered to a steady and healthy development strategy. In the past 10 years, the compound growth rate of premium income and total number of customers has exceeded and 20% respectively. Return on equity remains above 15%.

2. In 2019, Ping An Property & Casualty Insurance achieved premium income of more than 270 billion yuan, ranking second in the market, providing risk protection for nearly 70 million individual and group customers. Its 43 branches and more than 2,700 central branches, branches, marketing service departments and sales departments are all over the country. Up to now, Ping An Property & Casualty has developed and operated more than 1,000 types of main insurance, covering all statutory property insurance businesses such as automobile insurance, corporate property insurance, engineering insurance, liability insurance, freight insurance, agricultural insurance, short-term health insurance, accident insurance, as well as international reinsurance business.

Provide comprehensive insurance services for individuals, families and enterprises, and give full play to the functions of "insurance as insurance" in building a social risk management and security system, promoting the development of the real economy, improving new technologies, and supporting innovative strategies. Ping An P&C has always been customer-centric, constantly exploring and innovating, and has made great progress.

3. At present, the scale of auto insurance accounts for 23% of the overall auto insurance market, and the number of customers has reached 55.37 million. For non-motor insurance business, Ping An P&C will provide more than one trillion yuan of risk protection for key infrastructure projects in 2019; In addition, it has also undertaken a number of key engineering projects in key industries related to the national economy and people's livelihood, such as aerospace, aviation, energy, and transportation, in response to the national "Made in China" policy and support innovation. Ping An P&C continued to deepen its "technology + finance" policy, and its technology-driven approach continued to strengthen.

This must be to pay the cost of repairing the car before you can pick up the car, and then take the invoice for the cost of repairing the car to the insurance company, so that the insurance company can subrogate the recoveryBecause there is definitely no direct compensation for subrogation, you need to pay the relevant expenses in advance, and then take the invoice to the insurance company, so that the insurance company can claim compensation from a third party for us. However, if you want to obtain this service of subrogation, you must meet the existing conditions, otherwise the insurance company will not provide us with subrogation.

When we have an accident, if it is not within the scope of liability of the insured accident, it is impossible for us to get the insurance company to carry out subrogation services. For example, drunk driving, for example, subjective and intentional behavior, there is no way to get compensation from the insurance company in the case of illegal and criminal behavior.

Vehicle damage insurance, then it is referred to as car damage insurance, our car has car damage insurance, whether it is someone else to hit us or we are parked there by some external impact caused by the damage to the vehicle, these are the scope of the insurance company's compensation, after all, we have motor vehicle loss insurance, if the other party crashes our car, he does not lose money, we can ask the insurance company to subrogate for us.

No matter what kind of traffic accident it is, it must be clear that the responsibility can be divided accordingly, so there must be this responsibility determination, and you can find the traffic police department to issue a responsibility determination. If it is man-made damage, it can also be reported to the public security for processing, and let the public security bureau issue this liability determination, and after the claim is made after the identification, it will be more clear, and the insurance company will be more directional when subrogating the claim. Of course, when our vehicles need to be parked, we must choose a safer place to avoid some troubles.

Of course it does. Because the approval process of Ping An Auto Insurance is very slow, you need to pay the fare in advance.

It should not be necessary, you can contact them as soon as there is an accident, and then ask them to come and help you deal with it on the spot.

Yes, and after the repair fee is paid in advance, the relevant payment records need to be kept, so that it will not affect the reimbursement in the future.

You need to pay the repair cost in advance, and then the insurance company will pay for it.

The car insurance claim process.

1. Report the case. 1. After receiving the report, the customer is required to immediately fill in the "Business Accident Registration Form" (**, fax, etc

2. According to the insurance certificate or insurance policy number provided by the customer, the in-house office shall immediately check the copy of the policy and copy the policy, the copy of the policy and the schedule, check the premium charges, and the financial staff shall confirm the signature on the copy of the premium receipt (business and statistical copy) (the special payment must be attached to the agreement or agreement).

3. 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", and file the case (such as **, fax, etc., the inspector is responsible for requiring the customer to fill in), and prepare the case number in the order of the report.

4. Issue claim documents. After the case is filed, the relevant claim documents will be issued to the insured, and the claim procedures and methods will be informed (**, fax, etc. will be reported, and the inspector will be responsible).

5. Notify the inspector and report the loss and the location of the accident.

2. Survey and damage assessment.

1. The inspector shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice from the insurance company (the inspection of the damaged subject in the field can be entrusted to the local insurance company to complete it within 3 working days).

2. Require customers to provide relevant documents.

3. Guide customers to fill in the relevant claim documents.

3. Sign for the receipt and review of the claim documents.

1. The internal staff of the business department and the insurance branch company review the claim documents submitted by the customer, and return the documents to the customer after explaining the documents that need to be submitted after the procedures are incomplete, and the compensation case with complete documents should be signed on the insurance report (claim) (in duplicate), and the yellow copy should be returned to the insured.

2. After sorting out the documents and the information on the record, submit them to the Claims Department of the Property Insurance Department.

Fourth, the adjustment review.

1. After receiving the information handed over by the internal staff, the manager of the claim verification department will review and sign on the handover book if the documents and procedures are complete.

2. All claims must be settled within 3 working days and submitted to the person in charge of the Claims Section for review.

5. Examination and approval. 1. The claim within the authority of the property insurance department shall be submitted to the manager in charge of claims settlement for approval.

2. Report the authority of the over-property insurance department step by step.

6. Settlement of compensation.

1. The person in charge of the claim verification department will submit the claim number that has completed the approval procedures, and submit the compensation receipt and calculation book to the financial transfer.

2. After the financial department confirms the compensation, except for the receipt of the doll and the red copy of the calculation book, the rest will be retrieved.

There are the following reasons:

Liability identification, damage assessment, and damage verification need to be reviewed, which takes time;

The repair fee is not the same as the compensation fee, and the maximum compensation amount of the vehicle damage insurance is 100% compensation, and in most cases, the policyholder needs to bear part of the loss.

The maximum amount of compensation for liability insurance is the insured amount, which is also based on the determination of liability.

Only the beneficiary of the insurance can receive the insurance money, and the beneficiary of the vehicle insurance is generally the same person as the policyholder. Therefore, the insurance company can only give the money to the car owner, and cannot directly pay the compensation to the repair company or others.

Insurance claim settlement refers to the act of the insurance company performing the liability of compensation or payment in accordance with the provisions of the contract when the insured suffers damage to the property or personal life of the insured due to the occurrence of an insured accident on the subject matter of the insurance, or when the insurance money needs to be paid due to the occurrence of other insured accidents as stipulated in the insurance policy, which is a direct embodiment of the insurance function and the performance of the insurance liability.

To put it simply, an insurance claim is an act in which the insurer handles the claim made by the insured after the occurrence of a risk accident on the subject matter of the insurance. In insurance business, insurance claims are the concrete embodiment of the insurance compensation function.

Article 1 of the Insurance Law stipulates that after the occurrence of an insured event, when the insurer is requested to compensate or pay insurance money in accordance with the insurance contract, the policyholder, the insured or the beneficiary shall provide the insurer with the relevant certificates and materials that it can provide to confirm the nature, cause and extent of loss of the insured event.

If the insurer considers that the relevant certificates and materials are incomplete in accordance with the provisions of the insurance contract, it shall notify the policyholder, the insured or the beneficiary to provide additional relevant certificates and materials.