How much do you know about car insurance claims? How much does a car insurance claim cost? So what a

1.If the insured vehicle needs to bear a certain amount of liability in the accident, the compulsory traffic insurance can compensate up to 10,000 yuan. But this 10,000 includes three aspects, namely, the maximum compensation for death and disability is 110,000; The maximum compensation for medical expenses is 10,000 yuan; The maximum compensation for the loss of the vehicle is 2,000 yuan.

2.If the insured vehicle is not liable, the compulsory traffic insurance can compensate up to 10,000 yuan. The 10,000 yuan is also divided into three aspects, namely, the maximum compensation for death and disability is 10,000; The maximum compensation for medical expenses is $1,000; The maximum compensation for vehicle damage is 100 yuan.

Consequences of not buying compulsory traffic insurance Compulsory traffic insurance is mandatory, and the vehicle must be purchased in order to be legally on the road. If you do not buy it, you will be violating the provisions of the "Compulsory Traffic Insurance Regulations" that do not purchase compulsory traffic insurance. Once investigated, not only will the motor vehicle be temporarily impounded, but the car insurance will pay 2 times the fine of the car insurance.

For car owners who purchase compulsory traffic insurance, if they do not put the compulsory traffic insurance logo on the front windshield, they will also be issued 1 point and fined 200 yuan.

The specific calculation method of car insurance claims should be determined according to whether the policyholder's insurance is complete (such as deductible, third-party liability insurance, etc.), the size of the accident, the proportion of accident liability, etc., and cannot be generalized. The maximum limit of liability within the scope of compulsory traffic insurance is 10,000 yuan. If there is a total loss of the car, the formula for calculating the total loss compensation is:

The approved loss of the vehicle x is divided into the following two situations according to the proportion of the loss of liability sharing x (1 - free odds).

1. If the insured amount is less than or equal to the actual value of the vehicle at the time of the accident, it will be calculated according to the insured amount. The calculation formula is: car insurance claim = (insured amount - residual value) x accident liability ratio x (1 - free odds). Streptotremor.

2. If the insured amount is higher than the actual value of the vehicle at the time of the accident, it will be calculated according to the actual value at the time of the accident. The calculation formula is: car insurance claim payment = (actual value - residual value) x accident liability ratio x (1 - free odds).

If the insurance amount is determined according to the purchase price of the new car of the insured vehicle, the question of how to calculate the vehicle loss insurance should be referred to: when the total loss occurs, the compensation shall be calculated within the insured amount, and if the insured amount is higher than the actual value of the insured vehicle at the time of the insured event, the compensation shall be calculated according to the actual value of the insured vehicle at the time of the insured event. In the event of partial loss, the compensation shall be calculated according to the actual repair cost, but shall not exceed the actual value of the insured vehicle at the time of the occurrence of the insured accident.

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The compensation standard of the car insurance company is that the compensation limit for death and disability is up to 110,000 yuan, the compensation limit for medical expenses is up to 10,000 yuan, and the compensation limit for property damage is 2,000 yuan.

1. What should I do if the car insurance company does not compensate?

If the car insurance company does not compensate, it can file a complaint with the local insurance authority, or arbitration, and if it cannot be resolved, it can sue.

"Consumer complaints" refers to the act of requesting mediation from consumer rights and interests protection organizations after a consumer rights and interests dispute arises between consumers who need to purchase or use goods or receive services for daily consumption, and request the protection of their lawful rights and interests.

Arbitration is generally a system in which parties voluntarily submit their disputes to an arbitral tribunal composed of non-judicial arbitrators in accordance with an arbitration agreement concluded between them and are bound by such adjudication.

Litigation refers to the act of a party filing a lawsuit with the people's court on a civil dispute and requesting the people's court to conduct a trial in accordance with legal procedures. That is, to request the court to make the defendant bear some legal responsibilities and obligations through the trial.

2. How to pay for car insurance.

1.The car insurance compensation is: the insured needs to report to the insurance company in a timely manner, and carefully fill in the "Notice of Claim for Motor Vehicle Insurance" and sign it.

2.Inform the insurance company of the location of the damaged vehicle in a timely manner, so that the vehicle can be surveyed and assessed.

3.Compensation for property losses shall be subject to the corresponding bills and vouchers.

4.Information required for handling insurance claims after the vehicle repair and accident handling case is closed.

When we encounter a traffic accident, the first time is to check whether there is a person**, and if you need treatment, call 120 immediately

Then you need to call the traffic police**, call the car insurance company**. The two arrived at the scene to investigate the accident scene and assess the damage!

Finally, according to the accident liability determination issued by the traffic police department, the insurance company will make a claim according to the insurance terms.

Note that if it is the other party's responsibility, your own insurance company will not have to pay for it.

If you have any questions, please feel free to ask! It's not easy to type, so if you think mine, please give it a thumbs up! Thank you!

Summary. A car owner bears: car damage, 10 * 60% * 30 50 * 15% + 10 * 60% (1-30 50) =

The other party's car is damaged, 15*60%=9

The person of the own party, the person of the other party, the damage of the property, total.

B owner bears: damage to the car, 15 * 40% * 5% = damage to the other party, 10 * 40% = 4

The person of the own party, the person of the other party, the damage of the property, total.

Insurance company A bears: car damage to the car, 10 * 60% * 30 50 * (1-15%) = personal injury of the other party, total insurance company B bears: car damage of the car, 15 * 40% * (1-5%) = personal injury of the other party, total car insurance claim adjustment.

Hello dear, wait a minute!

Hello, the specific calculation method of car insurance claims depends on whether the policyholder's insurance is complete (such as excluding deductibles, third-party liability insurance, etc.), the size of the accident, the proportion of accident liability, etc., and cannot be generalized. Among them, the maximum limit of liability within the scope of compulsory traffic insurance is 10,000 yuan. If there is a total loss of the car, the formula for calculating the total loss compensation is:

The approved loss of the vehicle x is divided into the following two situations according to the proportion of the loss of liability sharing x (1 - free odds).

What is the answer.

Is it still there, please.

In the pro, I am calculating, wait a minute.

Good. Please hurry.

A car owner bears: car damage, 10 * 60% * 30 50 * 15% + 10 * 60% (1-30 50) = other party car damage, 15 * 60% = 9 personal injury, other party injury, property damage, a total of the owner bears: car damage, 15 * 40% * 5% = other party car damage, 10 * 40% = 4 personal injury, other party injury, property damage, a total insurance company bears:

Damage to the car, 10 * 60% * 30 50 * (1-15%) = personal injury of the other party, the total insurance company bears: damage to the car, 15 * 40% * (1-5%) = personal injury of the other party, total.

The car insurance claim process is as follows:

1. Report to the insurance company and report to the police in time within 48 hours after the accident;

2. Wait for the insurance company's claims staff to arrive and cooperate with them to conduct on-site investigations and fill in the report form;

3. Send the vehicle to the corresponding 4S shop or the corresponding repair shop for damage assessment;

4. After the vehicle damage assessment is completed, submit all the claim materials to the insurance company for review;

5. After the insurance company approves it, the owner can receive the corresponding compensation.

Extended Information:1The triple insurance holiday doubling means that if the insured vehicle has an accident related to the motor vehicle third party liability insurance during the holiday, the insured amount can be doubled, which is an additional insurance. The biggest feature of this rider is that it must be an accident that occurs during a holiday, and it is not counted if it is a compensatory holiday.

The advantage of this rider is that you don't need to buy an additional year of coverage, you can only buy the coverage for holidays, which is relatively low in premium to increase the amount of coverage.

2.Vehicle insurance, i.e., motor vehicle insurance, abbreviated as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles.

Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles. At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.

3.A type of insurance widely carried out in China is a kind of insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject matter of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.