How to apply for insurance claims if the car is scratched, how to apply for insurance if the car is

If our car is scratched, don't rush to repair the car directly, it is more cost-effective to repair the car with this method, and you can save a lot of repair costs in a year.

Call the insurance company's customer service** to report the case; When the insurance company's investigators arrive at the scene, they will determine the cause, nature, and damage of the accident. Then there is the process of damage assessment, the repair shop implements the price of the loss of the vehicle, and the insurance personnel and the owner sign it after no objection; Collect the required materials of the case and submit them to the insurance personnel for the claim formalities; The insurance company will be able to transfer the money to the owner's account after being reviewed by different departments.

If the car is scratched, you can take insurance, depending on the damage situation, you can take scratch insurance or car damage insurance. For example, if the vehicle is parked in the community, and the child naughtily scratches the body paint with a sharp object, in this case, if the insurance is insured, you can get a claim.

If the vehicle is scratched due to an accident while driving, it is covered by the vehicle damage insurance. If it is the above situation, the insured scratch insurance can directly call the insurance company** to report the repair. Body Scratch Loss Insurance:

Body scratch loss insurance means that the car body scratch damage caused by the malicious behavior of others, the insurance company will compensate according to the actual loss. The insurance company is responsible for the compensation, and there are no scratches with obvious collision marks. If the vehicle is seriously scratched, you need to call 110 to call the police, and in this kind of hit-and-run situation, your insurance company will only pay 70%.

If you don't have car damage insurance, you can't get additional insurance.

Car damage insurance: The insured or the driver allowed by the insured has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range, and the car damage insurance is the insurance for the loss of the vehicle itself. More common car damages:

Collisions, overturns (rollovers), natural disasters, etc. (hail, heavy rain, etc.).

1. How to make a claim for insurance if the car is scratched.

1. The insurance claim process for car scraping is as follows:

2) After the insurance company's survey personnel arrive at the scene, they will confirm the cause, nature and loss of the accident;

3) The process of damage assessment, the repair shop will price the loss of the vehicle, and the insurer and the owner will sign and confirm it after no objection;

4) Collect the required materials of the case and submit them to the insurance personnel for claim procedures.

2. Legal basis: Article 93 of the Regulations for the Implementation of the Road Traffic Safety Law of the People's Republic of China.

The traffic management department of the public security organ shall make a traffic accident identification certificate within 10 days from the date of the investigation of the scene of the traffic accident after the inquest and inspection of the scene. Where it is necessary to conduct an inspection or appraisal, a traffic accident identification document shall be prepared within 5 days from the date on which the results of the inspection or appraisal are determined.

Article 94.

If the parties have a dispute over the compensation for traffic accident damages, and the parties unanimously request mediation by the traffic management department of the public security organ, they shall submit a written application for mediation within 10 days from the date of receipt of the traffic accident identification.

In the case of death caused by a traffic accident, mediation shall begin from the date on which the funeral matters are completed; For injuries caused by traffic accidents, mediation begins from the date of termination or disability; In the case of property damage caused by a traffic accident, mediation shall commence from the date on which the damage is determined.

2. What are the principles that should be followed in insurance claims?

The principles that should be followed in the settlement of insurance claims include:

1. The principle of renewing the contract and keeping promises;

2. The principle of seeking truth from facts;

3. The principle of fairness and reasonableness.

1. Be sure to report to the insurance company on the spot in time and carry out the normal claim procedure. When reporting to the insurance company, pay special attention to the time of reporting, which is generally within 48 hours; If the time limit is overdue, the insured must bring the original ID card and go to the insurance company in person to make a supplementary report.

2. After the insurance company assesses the damage, go to the 4S shop to repair the car. At the same time, if the vehicle is scratched on the road, the traffic police need to issue an accident certificate, and if the vehicle is scratched on a non-road, the police station needs to issue an accident certificate.

3. In addition, it should be noted that if the insured car is not too expensive, it is recommended not to report the scratch loss, because if there is no claim in the first year, the premium for the next year can be discounted by 10%.

Minor accidents. When the vehicle has an insured accident with a small amount of damage, the car owner can drive the car to the insurance company's designated repair office, where there is the right to assess the damage and let the repair shop help make a claim.

In this case, the following steps are generally taken to assess the damage of the vehicle:

1. Inspect the documents, show three certificates and insurance policies: the driving license of the car, the driver's license, the ID card of the insured, and the insurance policy of the policyholder;

2. Bad car inspection, preliminary vehicle loss parts, bad car inspection, filling in the case approval form, copying all documents, etc.

3. Photo damage assessment, photo damage assessment, and arrange treatment opinions.

4. Report the case regularly and report the case in accordance with the content of the case approval form. After the repair is completed, bring all the documents and the repair invoice to the repair office to pick up the car, and let the repair office ** claim.

Scrape the car yourself, as long as the owner is insured with car damage insurance and scratch insurance, then, you can go to the insurance claim, however, because the number of vehicle insurance will affect the premium for the next year, if the vehicle scratch problem is not big, the repair cost is less than 1000 yuan, you can pay for the repair without insurance.

If the car owner does not have car damage insurance and scratch insurance, but only has compulsory traffic insurance, third-party liability insurance and other insurance, the insurance company will not pay the claim.

In the case that the car owner has purchased car damage insurance and its additional insurance, vehicle scratch insurance, as long as there are no obvious collision marks, the car body scratch car insurance company will basically compensate for the resulting body scratches. The car was rowed by itself, which is also a kind of accident.

The subject of vehicle loss insurance is the body of various motor vehicles and their parts and equipment. When the insured vehicle suffers from a natural disaster or accident within the scope of insurance liability, resulting in the loss of the insured vehicle itself, the insurer shall compensate in accordance with the provisions of the insurance contract. The insurance liability of vehicle loss insurance includes collision liability, overturning liability and non-collision liability, where collision refers to the accidental contact between the insured vehicle and external objects, such as collisions between vehicles and vehicles, vehicles and buildings, vehicles and telephone poles or trees, vehicles and pedestrians, vehicles and animals, etc., all fall within the scope of collision liability; Overturning liability refers to the fact that the insured vehicle overturns due to natural disasters or accidents, and the body of the vehicle touches the ground, causing it to lose its normal state and driving ability, and cannot resume driving without rescue.

Extended Information: Car Scratch Insurance Process:

1: It's best to take out your insurance card as soon as possible after the accident to see which insurance company is underwritten, and then report the accident and protect the first scene, 2: If you have to leave the scene because of something else after the accident, then you should remember the location of the scene before leaving, and note that there is an agreement in the insurance contract"After the occurrence of an accident that is covered by insurance, we must notify the insurance company within 48 hours, and our company has the right to refuse compensation if it causes the inability to obtain evidence", so within 48 hours must return to the place of the accident and then notify the insurance company to revisit the scene, as long as the collision marks are still new, there is generally no problem, as for the 4S shop to report the insurance is indeed more worry-free, as long as you tell him where you have to hand over the car to him, the rest of the things do not have to worry about you, and when the car is repaired, go directly to the 4S shop to copy your annual qualified driving license, driver's license and the insured's ID card, commercial insurance policy and leave it to them, and then drive away.

3: If you apply for insurance yourself, it is not a good trouble, directly call the national service of the insurance company** to inform him where your car is, for what reason hit something, it's OK, the insurance company will send someone to help you deal with it after receiving your report, but when handling a claim, you must negotiate with the insurance company's personnel responsible for claims compensation (including: price, claim documents, transfer accounts, etc.), so I suggest that the claim is best handed over to the optional 4S shop to handle.

If the car is scratched, if the damage is more serious, as long as there is car damage insurance.

The insurance company usually pays the claim, and if the accident only caused damage to the paint, but the car body was not damaged, the insurance company will not pay for it. If the vehicle is scraped and the perpetrator cannot be found, the owner should call the police as soon as possible, and the traffic police should find the person responsible, and at the same time, the accident scene should be photographed in all directions, including the location of the accident, the full picture of the vehicle with a clear license plate, and the damaged parts. If the traffic police find the person responsible, the other party will compensate; If the traffic police cannot find the person responsible, the traffic police should issue an "accident liability determination form", indicating that the responsible party escaped, and then the owner can claim compensation from his own insurance company.

According to the terms of the insured car damage insurance, the insurance company can only pay 70% of the car damage loss, and the remaining 30% is borne by the car owner.

Tips: The above information is for reference only, the specific claim process, compensation amount and compensation ratio, etc., should be subject to the regulations of the insurance company, please contact the corresponding insurance company for details.

The official website shall prevail.

The car was rubbed and the owner took insurance, and the insurance company asked the owner to pay for repairs himself, why.

If you can find someone, you can find the party to settle the claim, first of all, you must make sure that you are not responsible, if you buy commercial insurance, you can also make a claim through the insurance company, if you don't buy it, then you can only pay for repairs.

How to get insurance if your car is scratched.

2. After the surveyor of the insurance company arrives at the scene, confirm the cause, nature and loss of the accident. For some minor scratch accidents, the insurance staff will ask the car owner to take a photo and send it on WeChat.

3.The next step is the process of determining the damage. The repair shop will price the loss of the vehicle, and if there is no objection, it will be signed by the insurer and the owner.

4. Collect the materials required for the case and submit them to the insurance personnel for claim procedures.

5.After the insurance company has been reviewed by different departments and confirmed that it is correct, the money can be transferred to the owner's account. Some direct compensation insurance companies do not require the car owner to pay in advance, so they will pay directly to the repair shop.