What are the processes of car insurance? The car goes through the insurance process

1. Insurance. Unilateral accidents, two-sided accidents, multi-party accidents, and even cars parked on the side of the road can also be called out of danger. In a word, as long as you ask the insurance company to pay for you to repair your car, it can be called "insurance".

2. Report the case. In the event of a traffic accident, you first need to call the 122 accident alarm station, and determine the responsible party through the traffic police, and the responsible party is responsible for calling the insurance company you have insured to report the case. If it is a unilateral accident or a minor accident, you can take a photo of yourself and drive away, and report the accident to the insurance company within 48 hours after the accident.

3. Survey and damage assessment.

After receiving the report, the insurance company will conduct an investigation and damage assessment of the vehicle, and determine the amount of loss according to the damage to the vehicle. If the amount of the claim exceeds the coverage limit, the car owner or the responsible party will need to pay the difference out of pocket. In the event of a minor accident, the owner can directly drive the vehicle to the damage assessment center for damage assessment.

If the loss is large, the insurance company will send an investigator to the scene of the accident to investigate.

4. Submit the claim materials.

The claim materials include the vehicle's insurance policy, driving book, driving book, the insured's ID card and the liability certificate, and no liability determination is required for unilateral accidents. If personal injury is involved, the diagnosis certificate of the injured person and the invoice for medical expenses must also be provided.

5. Car repair. Car owners can choose their favorite 4S shop or repair shop for maintenance, but inform the staff in advance when handling the damage assessment in the insurance company's business hall, and no changes will be made after choosing the repair location. After the repair is completed, the owner needs to pay the repair money in advance, and need to issue an invoice and a maintenance list consistent with the amount of damage.

6. Receipt of compensation.

After the car is repaired, the insured needs to bring the damage assessment form, maintenance invoice, maintenance list and bank card to the damage assessment hall to go through the compensation procedures. Generally, it will not take more than 7 working days for the claim to be credited to the insured's bank card account.

Direct insurance compensation means that the maintenance cost of the vehicle is paid directly by the insurance company and the maintenance party, and the insured does not need to pay the maintenance cost, and only needs to pay the relevant materials to take the vehicle away.

Step 1: Report the case in a timely manner. After a traffic accident, regardless of whether the owner is responsible or not, the accident scene should be properly protected, and the first time to call the insurance ** to report. If the accident is more serious, or there is a dispute over the responsibility of the accident, you should also report to the police in time.

Step 2: Survey and damage assessment. After the owner of the car reported the case through **, the investigators went to the scene to assist in the processing. At this stage, the owner should truthfully describe the incident and provide corresponding proofs and other materials.

Step 3: Nuclear price. Under normal circumstances, if the damage to the vehicle in a unilateral accident is not very serious, the surveyor can directly assess the damage at the scene, and then the owner will directly drive the vehicle to repair.

However, if the vehicle is seriously damaged and requires a large number of dismantling and inspection to assess the damage, or if there is a multi-party accident, the damaged vehicle must be driven to the damage assessment center.

Step 4: Provide documentation. The car owner submits the necessary documents for the accident after the traffic management department handles the car insurance accident. After submitting all the documents for the claim, basically completing the car insurance claim process, and waiting for the claim to be paid.

The specific process of car insurance is as follows:

1. Insurance. Accident means that there is an accident, whether it is a car crash, a car crash or something else, you have to enter the insurance claim process;

2. Report the case. The insurance company requires that the police must report the accident within 48 hours of the incident, report to the police and call the insurance company's claim**, if you miss the insurance, you will not be compensated;

3. On-site processing. In some cases, in order to avoid affecting traffic, the vehicle can be moved after marking the position of the tires;

4. Submit a claim for compensation. When the insurance company's surveyor arrives at the scene of the accident, the car owner can file a claim and wait for the investigation;

5. Cooperate with the insurance company's accident investigation. After reporting the case, the insurance company will send an investigator to the scene for a preliminary investigation to determine whether it is an insurance liability, and if it is true, it will enter the next step;

6. Close the case. According to the traces and extent of the loss, the investigation will preliminarily assess the damage on the spot and complete the closure of the case;

7. Submit claim materials and review claims. All the materials required for the claim submitted by the parties to the insurance company, and the authenticity and completeness of the claim materials submitted by the insurance company.

Conduct audit confirmation;

8. Receive compensation. The insurance company will pay the compensation according to the method agreed with you.

Pay the compensation as agreed in the insurance contract.

Investigation and damage assessment: In order to be able to rush to the accident site as soon as possible, insurance companies have set up online damage assessment points nationwide, and will rush to the scene for investigation and damage assessment as soon as possible. 1. On-site investigation and damage assessment are required

The insurance company will send professionals to the scene quickly to investigate and deal with it. The insured shall inspect with the insurer to determine the repair items, methods and costs. 2. There is no need for on-site investigation and damage assessment

The insured vehicle was towed to a repair shop closer to the scene of the accident. If the repair shop is the insurance company's remote damage assessment point, it can directly assess the damage to the accident vehicle. No, you can contact the insurance company to send a professional to assess the damage.

3. If the insurance company does not send a loss assessor to the damage assessment point to conduct investigation and damage assessment within the time limit, the insured may negotiate with the insurance company and apply for a property damage assessment agency stationed at the site to conduct a damage assessment, and the insurance company shall recognize the damage assessment of the assessment agency, but the insurance company has the right to inspect and investigate the authenticity of the traffic accident.

The car insurance process is as follows:

1. After the accident, confirm that both people are fine, and call the police immediately if there is a situation;

2. Stop to check the situation, if you take a photo in a crowded place, and then park the car in an open space. If you can't negotiate a solution, call the police on 110 and report the case to the insurance company;

3. Wait for the traffic police to determine the responsibility for the accident, and the insurance company will investigate the scene and record the accident information;

4. Go to the claim service center to assess the damage, and keep the car repair invoice when repairing the car, so as to facilitate the claim afterwards;

5. Receive compensation.

The owner of the car will need to provide an ID card when making a claim.

Driving license, driver's license, invoice, insurance notice, damage assessment form and other information. Note that you must be fully prepared, and the insurance company will not accept the incomplete information key. Vehicle insurance, i.e., motor vehicle insurance, referred to as car insurance, is also known as car insurance.

Refers to a motor vehicle due to a natural disaster.

or a kind of commercial insurance that is liable for personal ** or property damage caused by accidents.

1. Insurance. Accident is the occurrence of an accident, whether it is a car crash, a car crash or something else, you have to enter the file to apply for insurance claims.

2. Report the case. The insurance company requires that the police must report the accident within 48 hours of the incident, report to the police and call the insurance company's claim**, if you miss the insurance, you will not be compensated;

3. On-site processing.

In some cases, in order to avoid affecting traffic, the vehicle can be moved after marking the position of the tires; The position of the tire is usually marked with a "T".

4. Submit a claim for compensation.

When the insurance company's surveyor arrives at the scene of the accident, the car owner can file a claim and wait for the investigation;

5. Cooperate with the insurance company's accident investigation.

After reporting the case, the insurance company will send an investigator to the scene for a preliminary investigation to determine whether it is an insurance liability, and if it is true, it will enter the next step;

6. Close the case. According to the traces and extent of the loss, the investigation will preliminarily assess the damage on the spot or directly go to the repair shop, 4S point, and damage assessment center to assess the damage, and the case will be closed.

7. Submit claim materials.

The parties concerned submit all the materials required for the claim to the insurance company, and then the insurance company reviews and confirms the authenticity and completeness of the claim materials submitted by the car owner.

8. Claim review.

When the submitted claim materials are true and complete, the insurance company will carry out the accurate calculation of the insurance claim and the internal audit of the claim.

9. Receive compensation.

The insurance company pays the compensation according to the agreed payment method and the insurance contract.

Generally, after an accident, the insured first needs to report to the claims department of the insurance company, and after the report, the inspector will investigate and assess the damage and sign for the review of the claim documents, and finally the compensation can be closed after the adjustment and review.

The insurance process is as follows:

1. The victim or the insured reports the crime;

2. Conduct survey and damage assessment;

3. Sign for the review of the claim documents;

4. Review and approve the calculation of Xiaobi;

5. Within 10 days after reaching an agreement with the insured to compensate the insurance money, the insurance money shall be compensated.

Legal basis 1: Article 27 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The insured motor vehicle is involved in a road traffic accident.

If the insured or victim notifies the insurance company, the insurance company shall immediately give a reply and inform the insured or victim of the specific compensation procedures and other relevant matters.

Legal basis 2: Article 29 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The insurance company shall, within 5 days from the date of receipt of the certificate and materials provided by the insured, verify whether it is an insurance liability and notify the insured of the result; If it does not belong to the insurance liability, the reasons shall be explained in writing; For those who are liable for insurance, the insurance money shall be compensated within 10 days after reaching an agreement with the insured to compensate the insurance money.