How to deal with car accident insurance in a different place, and how to make insurance claims if th

The traffic accident handling process refers to the procedures that should be followed in the event of a traffic accident. Stop first, then report the crime, rescue the wounded, etc. Insured vehicles and persons are also required to report to the insurance company within 48 hours.

The traffic accident handling process is generally to report the case first, but there are also those who are willing to negotiate privately on the spot, rather than intervening through **.

1. Under the premise that the loss is not large and the maintenance time is not long, it is recommended to repair it on the spot, after all, the insurance company will not compensate for the secondary towing costs incurred when pulling home (the insurance company generally only bears the cost of one rescue).

2. If the loss is general, and you can go on the road after simple maintenance, it is recommended to drive home by yourself and repair the unrepaired part again, so as to reduce the loss of the owner (waiting time in different places, accommodation costs); If the accident only causes damage to the exterior paint and does not affect the normal use, it can also be driven home for repair.

3. The loss is large, and it is recommended to repair it on site. Of course, car owners can comprehensively evaluate which plan is more cost-effective according to their own situation: it takes a long time to wait for maintenance in the field, and additional accommodation and food expenses are required; And pulling back to Hangzhou for a long distance may cost thousands of yuan in towing fees.

Insurance companies will generally advise car owners to repair them in situ. In either case, the owner must report to the insurance company as soon as possible after the accident, so that the insurance company can determine the scope of the loss and the amount of the loss, and must not deal with or repair it privately, because the insurance company will not compensate for the unverified loss. As for claims, most insurance companies have now achieved nationwide claims, and you can submit claim materials after returning home.

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

If there is an accident in Weihai, call your insurance company to report the accident**, and the head office of the insurance company will send a claims adjuster from the nearest company to the scene. The rest of the insurance companies will tell you what to do.

You first report to the Pacific Insurance Company, and the insurance company will arrange for the Pacific Insurance Company in Weihai to deal with it, and you can do it according to the instructions of the local insurance company.

The specifics of the Pacific company are not very familiar.

Normal large companies can do the national compensation, the car in Weihai accident, call the local report, call the Weifang report** OK (plus Weifang area code), but it is still recommended that you call the insurance company to report **, although it is a different place, but Weifang company can entrust Weihai company ** investigation, when you can handle the claim in Weifang.

If you call Weihai's report**, the report record is on the Weihai side, and the investigators are also sent by Weihai.

Normally, if you use a car in a different place, as long as there is a company that proves that you work in Weihai or the community or residents' committee issues a certificate that you live in Weihai, you can buy insurance from Weihai Insurance Company.

If you have an accident while driving in a different place, remember this process, otherwise how to make a claim if you lose a lot of insurance refusal to pay for driving in a different place? Learn from the experience of old drivers, and if you make a mistake, the insurance company is easy to refuse to pay for the insurance out of the field Foreign insurance compensation Insurance compensation precautions Car damage assessment Car water ingress.

If the car has an accident in a foreign place, the party concerned shall promptly notify the insurance company and apply for insurance compensation, and the insurance company shall 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.

If the person responsible is unable to compensate for the traffic accident and bears the main responsibility, it shall be punished as the crime of causing a traffic accident.

1. Part of the compensation for compulsory traffic insurance first, the insurance can go away, and the three insurances can go away, plus property preservation, and **traffic insurance** can also be paid in advance.

2. If there is a traffic accident that causes death and is unable to compensate, if the main responsibility for the accident is borne, it will be punished as a traffic accident.

3. Whoever commits the crime of causing a traffic accident shall be sentenced to fixed-term imprisonment of not more than three years or short-term detention; Whoever escapes after causing a traffic accident or has other especially heinous circumstances is to be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and where the escape causes death, is to be sentenced to fixed-term imprisonment of not less than seven years. Whoever violates traffic and transportation management regulations in accordance with article 133 of the Criminal Law of the People's Republic of China in accordance with the provisions of the law and judicial interpretation, resulting in a major accident, causing serious injury or death to a person or causing major losses to public or private property, shall be sentenced to fixed-term imprisonment of not more than three years or short-term detention; Where a person escapes after causing a traffic accident or has other especially heinous circumstances, a sentence of between three and seven years imprisonment is to be given; Whoever causes death as a result of escape shall be sentenced to fixed-term imprisonment of not less than seven years.

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

If a road traffic accident occurs in an insured motor vehicle and 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.

Article 28 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accidents.

If the insured motor vehicle is involved in a road traffic accident, the insured shall apply to the insurance company for compensation for insurance benefits. The insurance company shall, within one day from the date of receipt of the compensation application, inform the insured in writing of the proof and materials related to the compensation that need to be provided to the insurance company.

The handling method of off-site maintenance and group insurance after a car accident is that claims can be made in other places, but it is necessary to report and assess losses in accordance with the rules and procedures; Then carry out the repair of the vehicle and claim the claim; If the property is in urgent need of compensation, the owner can also apply to collect it at the place of insurance, but the traffic accident must be within the scope of rapid claims.

[Legal basis].

Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the person in the vehicle or the insured to sell the victim outside the cover and sell the accident, the insurance company shall compensate within the limit of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Yes, the off-site car insurance claim process is suitable for insurance companies that can make claims nationwide, and the main processes are as follows:1Report.

The first thing the owner should do is to call the police and report to the insurance company at the same time. 2.Survey and damage assessment.

After the insurance company accepts the case, it will dispatch the staff of the outlet close to the accident site to conduct a timely inspection and damage assessment, and verify the price and damage of the vehicle. 3.Claims:

After the accident is closed, the policyholder can submit the relevant claim materials to the insurance company's outlets, and then the staff of the outlets will upload all the information to the auto insurance claim workflow management system. 4.Claims:

After receiving the materials, the claims adjuster will start to review, adjust, and verify the claim. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if a road traffic accident occurs in an 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 limits of the compulsory insurance liability for the traffic accident liability of the motor vehicle in accordance with the law, and the loss of the road traffic accident is intentionally caused by the victim, and the insurance company will not compensate.

1. Report the crime.

In the event of a traffic accident in a different place, do not panic, save the scene, and then call 122 to call the police, ask for the accident liability handling form issued by the police, so that the insurance company can pay compensation, and the owner needs to call 95518 within 48 hours to report, timely provide insurance information to the insurance company, and the insurance company will arrange surveyors to the scene to assist in processing.

It should be noted here that if the car owner does not report the accident in time and cannot provide supporting documents when making a claim, the claim will be in trouble. If you choose to go private for a while, the car owner may not be able to handle the insurance claim normally.

2. Damage assessment.

After reporting the case, the owner waited for the investigators to rush to the scene of the accident to check or go to the damage assessment center to assess the damage. There are two ways to assess the loss: the nearest place of insurance and the return to the place where the policy is located.

If there are no special circumstances, the damage can usually be assessed on the spot, and the insurance branch of the place where the accident is located can directly complete the investigation and damage assessment.

The assessment of losses in remote areas is very important, and it is recommended that the local branch of the insurance company complete it directly. If you choose to go back to the location of the policy for damage assessment, you need to obtain the consent of the insurance company, and keep the accident liability treatment form and other relevant documents. If the accident damage is large, the investigation must be completed locally.

3. Claims.

How to make a claim for off-site insurance? When it comes to claims, complete information is key. PICC provides nationwide general compensation services, and you can apply for compensation on the spot or go back to the policy coverage place to collect it.

However, it should be noted that after the car owner returns to the insured place, he can claim at the branch office with the claim materials. However, if the owner of the car urgently needs this compensation, he can also apply to receive the compensation at the place of the accident.

Claim information: vehicle driving license, driver's license of the accident driver, ID card of the insured, claim application, accident-related certificates (such as traffic police accident certificate, etc.), accident vehicle damage assessment form, vehicle maintenance invoice and rescue fee invoice. If the documents are complete, the compensation will be paid within 10 days after submission.

In cases involving personal injuries and property damage of less than 10,000 yuan, the compensation will be notified within 1 hour at the earliest.

Note: According to the different items of compensation, the information that needs to be provided is also different, and the insured can communicate with the insurance company to confirm the specific information to be submitted.

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