Do you need to pay for the car in advance if you have a car accident and repair the car?

Only in the case of unilateral car damage, the maintenance unit and the insurance company have a direct compensation cooperation agreement, and the insurance company can directly settle the insurance without paying the premium.

In the case of a pure car damage accident (no injuries or other property damage) between the two parties, if both parties agree to repair the car at the same repair company, and the repair unit has a direct compensation cooperation agreement with the insurance company of the full responsible party, there is no need to pay for the direct compensation.

In other cases, it is a traditional process, where you pay the repair cost first, and then go to the insurance company to close the case for reimbursement with the damage assessment documents and invoices.

PICC Auto Insurance is referred to as PICC Auto Insurance, which belongs to the business scope of Chinese People's Property Insurance Co., Ltd. **** and belongs to motor vehicle insurance. PICC auto insurance has 1 hour notice of compensation, remote insurance, on-site claims, free rescue of broken vehicles, accident car custody and other exclusive services of PICC car insurance, to protect the interests of the policyholder to the greatest extent. You can contact the official customer service of Auto Insurance to inquire about the process of making a car insurance claim.

If you need to consult Ping An Insurance, you can call Ping An Life 95511-1, Ping An Auto Insurance, Property Insurance, Accident Insurance 95511-5, and Ping An Pension Group Insurance 95511-6.

If you meet the following conditions, you can be compensated by the insurance company for missing Sun Tong and then repair the car: 1. Pure car damage cases that do not involve personal injury or property damage are not involved in returning to Tan, and 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 Weikai for repair, 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.

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

1. Will the car accident repair insurance company pay for the car repair?

1. The car accident repair insurance company will pay for the car repair in advance. Car accident repair can pay the repair cost in advance, and then the insurance company will compensate the individual, or the insurance company can pay directly to the 4S shop. The premise is that it needs to be repaired according to the loss assessed by the insurance company.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. The insurance company will not compensate for the loss caused by the victim intentionally caused by the road traffic accident.

2. Does the unilateral traffic accident insurance company compensate?

Unilateral traffic accident insurance companies can compensate. After the unilateral traffic accident insurance company assesses the damage, the spine will be compensated within the scope of its insured amount. Generally speaking, even if it is a unilateral traffic accident, if the party is not intentional or has drunk driving, then the insurance company is also required to compensate according to the law, and the compensation is also determined according to the actual loss.

According to the law, if the insured motor vehicle has a road traffic accident and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. The loss of the road traffic collapse and seepage accident is intentionally caused by the victim, and the insurance company will not compensate for it.

A larger amount of car repair fees need to be paid in advance by the car owner.

The general owner understands that after the accident is insured in the 4S shop, it can be directly compensated, and the 4S shop will pay in advance and repair the car with one-stop service. However, each 4S store is different, and some luxury brand stores do not provide advance payment at all, if the amount involved is relatively large. 4S stores generally set an advance limit, that is, it doesn't matter how much money is exceeded, the owner needs to advance first.

There is also a situation that there is a relevant agreement between the 4S shop and the insurance company, which stipulates that the cost of exceeding (such as more than 300,000 yuan and a large amount of insurance dust) must be paid directly to the user, which is mainly to prevent insurance fraud, money laundering, etc., in this case, the 4S shop can not pay for the policyholder to repair the car.

Taking Pacific Insurance as an example, each branch under the headquarters of Pacific Insurance Company has different authority, for example, the Beijing branch of the case of less than 100,000 yuan can directly settle claims. However, if this amount exceeds this amount, it needs to be submitted to the Shanghai headquarters for approval, and it needs to re-evaluate whether the hidden shortage of the branch is reasonable.

Insurance car repair depends on the situation, if it is a 4S shop or repair shop designated by the insurance company, there is no need to pay in advance, the insurance company and the repair banquet factory direct settlement, if it is not a direct compensation shop, the customer needs to pay in advance, but you must first go to the insurance company to assess the loss, when assessing the loss, you should tell the loss assessor whether to go to the 4S shop to repair the car or blind cracks several types of repair shops, to repair the car is different, the damage assessment is also different, which is crucial.

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

Legal Analysis: Depends on the circumstances. If the parties meet the following conditions, they can be compensated by the insurance company before repairing the car

1. In pure car damage cases that do not involve personal injury or property damage to travelers, the responsibility for the accident is clear. 2. The relevant documents for the town pants claim are valid and complete. 3. Quehuai agrees to go to the cooperative factory with the insurance company for maintenance, and agrees to collect the repair invoice and claim documents to the insurance company.

Legal basis: Article 119 of the Civil Code of the People's Republic of China A contract established in accordance with law shall be legally binding on the parties.