Regarding the time limit for making a car insurance claim, the maximum time limit for a car insuranc

The statute of limitations for requesting protection of civil rights from the people's courts is two years, except as otherwise provided by law.

The following statute of limitations periods are one year:

1) Claims for compensation for bodily injury;

2) ** The quality of the goods is not declared;

3) Delay or refusal to pay rent;

4) Deposited property is lost or damaged. Civil compensation is also statute of limitations, because it has been more than 2 years since the accident occurred in 05, that is to say, the statute of limitations of 2 years has been exceeded, so you can choose not to compensate for the cost of this operation; If it is morally and morally motivated, a portion of the cost can also be negotiated. You can ask the relevant lawyer for details.

2. Most of the property insurance is short-term insurance, and the insurance period is generally 1 year. If you do not renew the policy, the insurance company will not be liable for compensation; If you continue to renew the policy, there is also a retrospective period in the insurance compensation, the so-called insurance retrospective period is the insurance period from the beginning of the agreed time period, the policyholder continues to insure, the retrospective period can be calculated consecutively, but the longest shall not exceed three years. The start date of the retrospective period should not exceed the start date of the coverage period of the first insurance policy.

The retrospective period shall be agreed upon by both parties to the insurance contract and shall be specified in the insurance contract. Since it has now been four and a half years since the date of the accident, the retrospective period of three years has passed. So even if the insurance is purchased, the insurance company is not liable for compensation.

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You should have a second operation on him, and the insurance company must pay for it.

Generally speaking, the amount of time it takes to settle a car insurance claim varies depending on the size of the accident, the insurance company, and the reporting process. If the accident is minor, the rights and responsibilities are clear, and there are not too many disputes, then the compensation given to you by the insurance company will be received immediately, maybe two or three days is enough; If the accident is serious or the vehicle is seriously damaged, there is a large amount of compensation, then the insurance company will definitely do a detailed investigation on the accident itself, require certain evidence, or ask the relevant departments to make a damage assessment, in this way, the car insurance claim will take more time, but the general insurance company will control the time within 10 working days, so be sure to check whether your bank account is in place in time, if you find that your compensation has not arrived, it is recommended to play in time Ask your insurance company for the reason.

In addition, how much time it takes for car insurance claims to settle is also related to the credibility of the insurance company, and the process and requirements of different insurance companies to deal with compensation issues are different, some will be faster, and some will be slower, so individuals must do a good job of investigation in advance when choosing an insurance company, and choose an insurance company with high efficiency and good reputation.

Finally, how much time it takes for car insurance compensation is also related to how the insured responds to the problem and the way the accident is handled, if the insured can retain certain evidence of the accident, the reason is appropriate, and the documents are complete, then it is bound to speed up the whole process and steps, maybe your compensation will arrive in two or three days, otherwise the other party will require you to continue to show various documents and certificates, so that as long as your documents and procedures are not in place, the insurance company will not easily compensate you.

Therefore, in addition to the accident itself, the objective factors related to the insurance company and the subjective reasons of the insured itself, only those who understand the relevant knowledge and know how to use the relevant regulations to make compensation in favor of themselves in the event of an accident can shorten the time of compensation, so that their losses can be compensated as quickly as possible and protect their own interests.

The statute of limitations for vehicle insurance claims is two years. The two-year rule is that if the insured knows or should know that the insured has occurred and does not file a claim within two years, it shall be deemed to have waived the right to claim.

1. Does the insurance claim need to be closed?

Insurance claims need to be closed. After the accident is closed, the insurance company will compensate, and the insurance company will not compensate if the case is not closed, because some of the expenses incurred are scattered, so you will settle it at one time after the case is closed.

Article 28 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability provides that if a road traffic accident occurs in an insured motor vehicle, the insured shall apply to the insurance company for compensation for insurance money. The insurance company shall, within one day from the date of receipt of the application for compensation, inform the insured in writing of the certificates and materials related to the compensation that need to be provided to the insurance company.

Article 29 The insurance company shall, within five days from the date of receipt of the certificate and materials provided by the insured, make an examination and verification of whether or not the insurance liability is the result of the insurance liability. 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.

Article 30 If there is a dispute between the insured and the insurance company over compensation, it may apply for arbitration or file a lawsuit with the people's court in accordance with the law.

2. Precautions for insurance claims.

The following matters should be noted for insurance claims:

1.If the insured or beneficiary falsely claims that an insured accident has occurred and requests compensation or payment of insurance money to the insurer, the insurer has the right to terminate the contract and not refund the insurance premium. If the policyholder or the insured intentionally causes an insured accident, the insurer has the right to terminate the contract and shall not be liable for compensation or payment of insurance money.

Legal Analysis: Insurance claims can be processed within 10 days, some may take 30 days, or longer. If the claim information is prepared and the situation is not so complicated, it may be easier to solve and the time consumed will be shortened.

Legal basis: Article 2 of the Social Insurance Law of the People's Republic of China Article 13 After receiving the request for compensation or payment of travel insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results.

There is a time limit for car insurance reimbursement.

According to the relevant laws and regulations, the statute of limitations for reporting car insurance is two years, if it exceeds two years and the insured has not reported the case, then the statute of limitations for claims litigation has passed, which means that the insurance company no longer has to bear the responsibility for claims. However, it is worth mentioning that most insurance companies actually have recommendations that the insured should report the accident within 48 hours after the occurrence of the car insurance accident, although this does not mean that the insured will refuse to pay the claim on this ground if the insured reports the accident more than 48 hours. However, if there is too much time between the occurrence of the insured accident and the time of reporting, it will be more difficult for the insurance company to assess the loss, so the insurance company will naturally not be liable for the part that cannot confirm the loss assessment.

Therefore, after the occurrence of a car insurance accident, the insured should also notify the insurance company in time and report the case, so as to avoid the occurrence of car insurance claim disputes to a certain extent.

There is no specific time to postpone the payment of vehicle insurance when it expires, but the following situations may occur.

1. If the commercial auto insurance is out of policy for more than 3 months, the time is longer, so the premium is likely to be small when the policy is renewed again**.

2. Compulsory traffic clearance insurance: If the compulsory traffic insurance is out of insurance and still driving on the road, then you will be fined twice the premium of the compulsory traffic insurance, and the vehicle will be temporarily detained, and you can get your car back after the owner has paid the fine and configured the compulsory traffic insurance.

3. If the compulsory traffic insurance is out of insurance, the annual review cannot be carried out; If the car insurance is out of luck and the car is driven on the road, the insurance company will not pay the claim after the accident.

4. If you don't drive on the road, there will be no penalty; If it is a commercial car insurance outof insurance, then the traffic police found that although there will be no corresponding penalties, but once an accidental traffic accident occurs, then the insurance company will not make a claim, therefore, it is recommended that the car answer banquet filial piety can renew the car insurance in advance, so as to prevent the car insurance from being out of insurance, if you accidentally go out of insurance, you should also go to the insurance company as soon as possible to renew the insurance to avoid more trouble.

The statute of limitations for vehicle insurance claims is 30 days. Article 23 of the Insurance Law stipulates that "after receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. Accordingly, even if the insurance case is "complicated", the insurance company must make a decision within 30 days and notify the customer in writing of the outcome.

The Insurance Law also clarifies that the insurance company shall pay the compensation within 10 days after the conclusion of the compensation agreement. If it is not an insurance liability, a notice of refusal shall be issued within 3 days from the date of the decision to refuse compensation and explain the reasons. In other words, the response time for general insurance claims is calculated within 30 days. The main situations of insurance claims are as follows:

a) Advance Payment:

Article 25 of the Insurance Law stipulates that: "If the amount of compensation or insurance money cannot be determined within 60 days from the date of receipt of the request for compensation or payment of insurance money and relevant certificates and materials, the insurer shall pay the amount that can be determined according to the existing proof and materials; After the insurer finally determines the amount of compensation or insurance money to be paid, it shall pay the corresponding difference. This article further embodies the purpose of people-oriented, starting from the interests of customers, taking into account the urgent need for funds, and putting the meaning of insurance protection into practice.

Experts believe that quantitative regulations on the speed of claims settlement are expected to greatly alleviate the current situation of "easy to apply for insurance and difficult to settle claims".

2) One-time notification of supplementary materials:

Paragraph 2 of Article 22 of the Insurance Law stipulates that "after the policyholder, the insured or the beneficiary makes a claim, and the insurer considers that the relevant certificates and materials are incomplete in accordance with the contract, it shall promptly notify the policyholder, the insured or the beneficiary to provide supplementary sedan cars." ”

Compared with the old law, this clause adds a one-time and timely requirement, which legally avoids the situation where the insurance company repeatedly asks the customer to supplement the materials. Of course, experts also suggest that providing complete information as soon as possible is a guarantee of timely compensation. The information you need to provide can be found in the insurance wording or you can contact the insurance company.

However, not all insurance policies have the same timeliness, such as accident medical insurance claims.

3) Time limit for claims for accidental medical insurance:

General accident medical insurance is the first expense of the accident within 180 days, and it is generally not compensated for more than 180 days.

The statute of limitations for insurance claims is two years. That is, the claim should be filed within two years after the occurrence of the insured event. If you do not apply after two years, you will be deemed to have given up your rights.

The insurance company shall make a decision on whether or not to make a claim within one (i.e. one month) of receipt of the claim and notify the applicant.

1. What are the factors that affect the efficiency of claims settlement?

1) Staffing of the insurance company on the day.

2) Whether the information provided by the complainant is complete.

and 3) the complexity of the claim event.

4) Persons involved in the contract.