If you have any questions about a vehicle accident claim, ask an insurance professional to help.

1. If there is an accident between A and B, and the traffic police determine that car A is fully responsible, is it that the loss of car A cannot be compensated by the insurance company?

Answer: It depends on what kind of insurance A buys, if only the compulsory insurance, the insurance company will not compensate A for the loss of his own vehicle. If you buy body insurance, you also need to see what type of insurance you buy, and the compensation amount is inconsistent for different types of insurance.

2. If there is an accident between A and B, and the traffic police determine that car A is fully responsible, can car B still claim compensation from the owner of car A after receiving the corresponding compensation from the insurance company?

Answer: Yes, car B can claim from car A if the insurance company is insufficient to compensate for it. This is because the two liabilities are different concepts, the liability between A and B is based on the tort relationship, that is, A must give B full compensation within the scope of its responsibility, and the liability between the car owner and the insurance company is based on the agreement of the insurance contract, and the insurance contract will stipulate the scope of compensation, the amount of compensation, etc.

Therefore, the compensation amount of the normal insurance company is less than the actual loss of the accident.

3. What is the title of this claim? Who sets the amount?

Answer: The name of this claim needs to be claimed in what name it depends on the specific losses caused. The specific amount needs to look at the specific item, if it is a property loss, generally the insurance company is now assessing the loss, but the parties do not agree with the insurance company's assessment, they can choose a qualified price department to assess the loss.

For example, personal injury, lost work, or nursing care shall be certified by the medical institution, and calculated in accordance with the statutory calculation method. Other expenses such as transportation expenses, suspension costs, etc., are calculated based on actual losses, and the victim needs to provide corresponding evidence to prove it.

4. If the owner of car A refuses to pay additional compensation for car B on the grounds that "the insurance company has paid for car B", what should the owner of car B do?

A: You can file a lawsuit with the court to demand compensation for the amount of actual losses of car A. The corresponding claim for compensation needs to be supported by evidence.

You know that there are a lot of penalty points, which means that many problems are not or are not timely, and there is no reward for a single point, I think many people are unwilling. I hope you feel that the reply is helpful to you, please be timely and don't waste my rate.

1. Yes, after the compulsory traffic insurance of car B is not liable for compensation, the remaining losses will be claimed by car A insurance company.

2. You can't make a claim, simply put, the loss of the vehicle can only be compensated once, and other indirect loss insurance companies do not compensate, you can negotiate with car A to deal with it, but generally you have to admit it.

1. The loss of A can be compensated by the insurance company, if the corresponding insurance is purchased.

2. In the case that the insurance company's compensation is less than the total loss, it can.

Didn't grasp what it meant.

Generally speaking, the liability compensation you are talking about should be: the loss of the other party after deducting the part payable by the compulsory payment and then multiplying the liability ratio (70%), which is lower than 300,000 yuan, whichever is lower, is multiplied by 90%. Therefore, the compensation amount of your commercial third-party insurance must be less than 300,000.

For example, if the other party's compensation is deducted from the compulsory traffic insurance compensation, there is still 500,000 yuan to be compensated. The amount of compensation (liability compensation) is 500,000 70% = 350,000, and if 350,000 is greater than the insured amount of 300,000, it will be compensated according to 300,000 (1-10%) = 270,000.

Individual insurers may be liable for 50% on the grounds that they are not defendants. You categorically cannot agree. If you really can't go to court, there is no problem with 70% of the responsibility.

Insurance Terms: Commercial Third Party Insurance: Compensation Processing:

The amount of compensation is calculated according to the following method:

1. When the amount of compensation payable by the insured is higher than the compensation limit:

Indemnity = Compensation Limit (1 Accident Liability Deductible) (1 Absolute Deductible).

2) When the amount of compensation payable by the insured is equal to or lower than the compensation limit:

Indemnity = Liability Amount (1 Accident Liability Waiver) (1 Absolute Waiver).

The amount of compensation payable by the insured shall be the part of the economic compensation liability that should be borne by the insured according to law for the personal ** or property loss of the third party in excess of the sub-limit of the compulsory traffic insurance, multiplied by the proportion of accident liability.

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

Accident caused ** damage? For example, if you crash a car door or damage to the rear, the damage to the booster pump should not be related to the accident. If the front protection, water tank, condenser, and front wall are damaged, and the impact part is on the right side of the front of the car, it is possible to cause damage to the booster pump, but if there are no impact marks on the appearance, you may need to provide evidence to prove that the booster pump is damaged by the accident.

If it is the latter, you can call ** to ask the insurance company to make additional damage assessment.

Of course, it is not excluded that the repair shop will break it, you can look at the part number of the damaged booster pump, whether it is equipped with the original car, in case the repair shop steals the beam and replaces the column.

My Status: Car Insurance Claims Manager. Your problem is highly technical, and the key to dealing with it is the cause of the damage to the booster pump.

According to you, the claim that the repair shop was "naturally damaged" should not hold water. There are two reasons for the greater possibility: 1. The repair shop causes damage to the booster pump in the process of disassembly and repair; 2. The original car booster pump is not damaged.

However, the old booster pump damaged by the repair shop, so he stole the beam and replaced the column, and wanted the insurance company to compensate more, but the insurance company saw through it. So come to you and try your luck and see if you're willing to pay.

There are two ways to deal with it: 1. Serious type. Since the booster pump was normal before the accident, but was damaged after the accident, the damage is related to the accident and should be compensated by the insurance company, and the repair shop should be responsible for communicating with the insurance company and adding damages; If it is not related to the accident, it is damaged by the repair shop, and the repair shop will bear it.

Remember, the repair shop knows the real cause of the damage best and forces the repair shop to solve it. 2. Casual type: The repair shop will give you a new booster pump (must be a positive product), and you and the repair shop will each pay half of the money.

Since I haven't seen the car with my own eyes, I can only give you this advice.

1. Compulsory traffic insurance.

The scope of compensation of compulsory traffic insurance includes compensation for death and disability, medical expenses, property damage, etc. to a third party after a road traffic accident, but it should be noted that the third party in the definition of compulsory traffic insurance does not include the occupants of the vehicle and the insured himself.

2. Third party liability insurance.

The scope of third-party liability insurance includes the amount of compensation that should be paid by the insured in accordance with the law in accordance with the provisions of the "Measures for the Handling of Road Traffic Accidents" and the insurance contract in the event of an accident during the use of the insured vehicle, resulting in personal damage or property damage to the third party.

3. Vehicle damage insurance.

The coverage of vehicle damage insurance includes losses caused by accidents such as accidental collision or rollover of the insured vehicle; Fire around the insured vehicle or damage to the vehicle; Losses caused by natural disasters, collapse of external objects, falling objects in the air, and parallel falls of the insured vehicle while driving.

The above is the compensation scope of the common three types of insurance, I believe you can roughly understand the compensation scope of vehicle insurance after reading, which is also more conducive to choosing the right type of insurance to buy, asking the question of the small vehicle was rear-ended by the other party's truck, and it has not been repaired for more than a month, what should I do? Do you ask the other party to compensate for lost work, missed time, ride expenses, etc.?

What is the process for requesting compensation from the other party?

Normally, or can the other party provide me with a vehicle to do errands? Do you think compensation should be paid?

Answer that the other party is fully responsible for the traffic accident, and the specific process of traffic accident insurance is as follows: 1Report (1) After the accident, the customer reports the accident to the claims department of the insurance company; (2) After receiving the report, the customer is required to immediately fill in the "Business Accident Registration Form" (**, fax, etc. 3) The back office immediately inspects and copies the copy of the policy according to the insurance certificate or insurance policy number provided by the customer, as well as copies of the policy, the copy of the policy and the schedule.

Check the premium charges and have the financial staff confirm the signature on the copy of the premium receipt (business and statistics) (the agreement or agreement must be attached to the special payment); 4) Confirm that the subject of the insurance is paid within the validity period of the insurance or before the accident, and require the customer to fill in the "Inquiry Form for Filing a Case", and file the case (such as **, fax, etc., the inspector is responsible for requiring the customer to fill in), and prepare the case number according to the order of the report; (5) Issuance of claim documents. After the case is filed, the relevant claim documents will be issued to the insured, and the claim procedures and methods will be informed (**, fax, etc., the inspector shall be responsible for the report); 6) Notify the inspector and report the loss and the location of the accident.

A certain amount of compensation is required.

Q: I'm going to report the incident to the other party's insurance company, right?

What can be done if it is not compensated?

Because the letter of responsibility was not included at that time.

First of all, I am a claims adjuster, the power steering pump is very likely to be damaged in the accident, there is a doubt is certain, this point should contact the insurance company personnel, it may be that the insurance company personnel have completed the damage assessment after entering the system, do not want to trouble the system again to put pressure on the repair shop to let them fool you, this should be to find the insurance company loss assessor, it may be such a situation, you can report the case ** complaint, personal opinions are for reference only.

This must be discussed with the insurance company's adjuster before you can be compensated!

From the perspective of property insurance, there is an important principle called the compensatory principle, that is, the insurance payout cannot exceed the value of the loss. That is, in this case you will not be able to get any other compensation, and if you do, once the insurance company knows about it, it can ask you to refund the amount of the compensation. Of course, in practice, it is possible to receive double compensation due to information asymmetry, but it is still not recommended.

I don't know how your car's insurance company will compensate you. Did you sign a transfer of interest? Normally, if the construction party does not compensate, the insurance company will compensate you, and then you will transfer the claim rights and interests of the accident loss to the insurance company, and the insurance company will recover from the construction party.

If there is nothing, the insurance company will compensate you in full. Then you can do whatever you want with the rest. You get the idea.

No, since the other party gave you the money, it's over, and you don't have to go to the insurance company anymore, and then it will be a big deal if you cheat the insurance.

The case should be closed by both parties, the content of the mediation agreement between the two parties should be informed to the traffic police, the traffic police should be recorded in the report on the handling of the incident, one party is not present, and it is normal for the traffic police not to issue an accident closure form.

Judging from your description, the cost of the claim you intend to apply for is divided into two parts, one is the damage to the car, and the other is the third party personal injury Yuanfeng, and the insurance involved in the car damage is the vehicle loss insurance. If the liability insurance claim is to be paid directly to the insured, the insured must provide evidence that the compensation has actually been paid to the third party, and the accident closure statement can prove this, so the insurance company asks you for the accident closure form.

However, it is important to note that the accident closure is not the only evidence that the insured has paid the compensation, because not all traffic accidents must be resolved by the traffic police. If you can provide the other party's compensation receipts or medical bills, you can also prove it. Therefore, the insurance company's claims adjuster in this case is more dogmatic, the insured actually holds the invoices and documents for the injured third party to go to the hospital for medical treatment, and the insurance company can presume that the insured has paid the compensation, and the insurance company can accept and compensate.

It is recommended to negotiate, and if the celebration banquet fails, a lawsuit will be filed.