Can I take the vehicle insurance to accompany me, my car has insurance, is it the insurance company?

Look at your traffic police ruling, if written equal liability, the insurance company will only bear half of the total loss of the repair money for both parties. If it is written that you are fully responsible, the insurance company will not only compensate you, but also compensate the other party for the loss of the model. If the motorcycle is found to be fully responsible, the insurance company will not be responsible for compensation.

If it is equal liability, I suggest that when you report the accident (the insurance company), you say that the parking was hit, and the three escaped, so that the insurance company can compensate you for 70% of your own car damage

Remember.

If you tell the insurance company that it is the fault of the motorcycle, even if you discuss with the traffic police to take full responsibility, the insurance company will not agree to pay you The other party has no financial ability, you can let the traffic police determine your full responsibility, so that you can let the insurance company pay you directly, you don't need to pay a penny, your own car repair money can also be reimbursed by the insurance company, if you ask the big brother you have a good heart, If the guy is also injured, or the car is also a little faulty, you can also help him pay, as long as he gives you the relevant invoice, you can get the insurance company to settle the claim together, so I don't know if you know clearly View the original post

You are fully responsible for the insurance company will accompany you, the insurance company will ask for the responsibility of the traffic team, your accident description, how to do it in you, the accident is not serious, you can stop some more responsibility, if it is a slightly larger accident, you must be cautious! Don't check the original post

Generally speaking, if the damage reaches more than 70%, the total loss can be determined. Because it is an acquaintance or a relationship to find a loss assessor, you can set it a little higher. It should have been set at 800 yuan, but it was set at 1200 yuan for you; If it is set at 1,500 yuan, you will be given 2,300 yuan.

For example, if a 10-centimeter-long hole is scratched on the door, you have to repair it or replace the door, and the cost of materials ranges from 300 yuan to 2,300 yuan. If you are an acquaintance, the loss assessor will let you spend less money to replace it with a new one, and 800 yuan to solve the problem; If you don't have a relationship, you can't treat everyone equally, in principle, it is repaired, you have to spend more money for a new one, and the loss assessor has to ask you to return the old parts, and if you don't pay the old parts in Huizhou, you won't pay compensation.

The size of the loss and the level of compensation are determined by the loss assessor. Their principle is to repair if you can repair it, and the repair of car damage reaches more than 90% even if it is qualified, in order to spend less money, the insurance company will pay less losses, and try not to give you a replacement stool. For example, the rear bumper of a Santana passenger car was knocked off more than ten centimeters of front cover block paint, if it is a partial repair paint, 200 yuan is enough, and the owner can't say anything; If it is a full-bar painting, it will cost more than 1,000 yuan, which is determined by the loss assessor.

In fact, you can only touch up the paint, because what you can do with less money will never give you more money, and the less money the insurance company loses, the more you can get a commission.

The basic process of claim settlement includes: reporting, investigation and assessment, signing and reviewing claim documents, adjustment and review, approval, compensation settlement and other steps.

1. Report the incident: An insurance company requires that the incident be reported within 48 hours.

2. Survey and damage assessment.

1) The inspector shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice from the insurance company (the inspection of the damaged subject in the field can be entrusted to the local insurance company to complete it within 3 working days);

2) Require customers to provide relevant documents;

3) Instruct the customer to fill in the relevant claim documents.

3. Sign for the receipt and review of the claim documents.

1) The business department and the internal staff of each insurance branch company review the claim documents submitted by the customer, and return the documents to the customer after explaining to the customer that the procedures are incomplete, and return the yellow copy to the insured after signing on the insurance report (claim) (in duplicate) for the compensation case with complete documents;

2) After sorting out the documents and the information kept in the claim, submit them to the Claims Department of the Property Insurance Department.

4. Adjustment review.

1) After receiving the information handed over by the internal staff, the person in charge of the claim verification department will review it, and sign for the receipt of the handover book if the documents and procedures are complete;

2) All claims must be settled within 3 working days and submitted to the person in charge of the Claims Section for review.

5. Examination and approval. 1) Claims within the authority of the property insurance department shall be submitted to the manager in charge of claims settlement for approval;

2) Step-by-step reporting of the authority of the over-property insurance department.

6. Settlement of compensation.

1) The person in charge of the Claims Verification Section will send the number of the claim case that has completed the approval procedures, and submit the compensation receipt and calculation book to the financial transfer;

2) After the financial department confirms the compensation, except for the receipt of the doll and the calculation of the red Liang Xiaoselian, the rest will be recovered.

1. The insured should report to the insurance company in a timely manner, and carefully fill in the "Motor Vehicle Insurance Accident" claim notice and sign it. 2. Inform the insurance company of the location of the damaged vehicle in a timely manner, and then investigate and assess the damage to the vehicle. 3. Compensation for property losses requires obtaining corresponding bills and vouchers.

4. After the vehicle repair accident is handled, the information required for insurance claims will be lost. 5. Collect the claim payment.

Accident: Accident.

Reporting: Generally, insurance companies require that a police report be made within 48 hours of the incident.

Investigation: After reporting the case, the insurance company sent an investigator to the scene for a preliminary investigation to determine whether Qingzhi was liable for Baosen Insurance, whether the traces were consistent, and whether they were true.

Damage assessment: According to the traces and extent of the loss, the survey will conduct a preliminary on-site damage assessment or go directly to the repair shop, 4S shop, or damage assessment center to assess the damage.

"All risks" is just a layman's term. In fact, there is no such thing as a complete "all-in-one". Usually, the main insurance is insured, the car damage insurance, the third party liability insurance, and then the common additional insurance, and the vehicle insurance amount is insured at the replacement price, and the insurance is not deductible, which can be regarded as "full insurance".

In this case:

1. Unilateral car damage: full compensation (but some companies also have a policy: no scene, 20-30% will be deducted).

2. Collision of two cars: compensation according to the proportion of liability, assuming that you are the main responsibility, the mediation will bear 70% of the responsibility, 70% of the repair cost of your car plus 30% of the repair cost of the other party's car will be compensated by your own insurance company, and 30% of the repair cost of your vehicle will be compensated by the other party, but in fact, 30% of the other party's compensation will be deducted.

3. Collision property (such as road railings): how much compensation is paid according to the amount of damage.

4. Other additional insurance only plays a role in some special circumstances. In general, it is impossible to complete everything, and it is necessary to analyze the specific cases on a case-by-case basis.

Brother, you just have such a broad question, I will give you so many explanations, give it to you!

Generally, there is no such thing as car full insurance, and I don't know what kind of car full insurance you are referring to, or whether it is covered by car-related insurance. If it is the latter, then according to the specific situation at the time of the accident, the insurance company will send a verifier to verify and then formulate a specific compensation fee.

There is no idea of full coverage and full compensation.

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

The claims process of insurance companies is different, and it is most accurate to call the insurance company** directly to consult manual services.

If there is no violation of laws and regulations, it will be fully compensated within the scope of coverage.

If the vehicle is damaged and there is no scene, the traffic police must issue a certificate, and the insurance company will pay 70%. For example: your car is parked downstairs in your house, and you find that your car is not wiped by others, but you can no longer find your car, then you can report to the traffic police, the traffic police issue a certificate, and the insurance company will assess the damage according to the degree of damage to the vehicle, if the car is finally repaired to 100 yuan, you have to bear 30%, that is, 30 yuan yourself.

There is also a tire, if the tire is wiped on the roadside flower platform puncture, need to be replaced with a new one, then the insurance company will pay according to the degree of new and old tires, generally about 80%, you have to bear about 20% of the cost of a new tire.

There are too many, first of all, if there is an accident, every report or inconsistency at the scene must be exempted! There is also the fact that if the three buy less, the excess will not be compensated!