What happens if you don t report the insurance on the spot when the car is in accident?

Specifically, the insurance clause in the general insurance contract stipulates that in the event of an insured event, the insured shall take reasonable and necessary rescue and protection measures in a timely manner to prevent or reduce losses, and notify the insurer within 48 hours after the occurrence of the insured event. If the nature, cause, and extent of loss of the insured accident are difficult to determine, due to intentional or gross negligence, the insurer shall not be liable for compensation for the part that cannot be determined, except where the insurer has known or should have known about the occurrence of the insured accident in a timely manner through other means.

To put it simply, if the insured accident really occurs and is not reported on the spot, it is necessary to provide relevant proof and information when making a claim, and the claim can still be settled normally. At the same time, as long as the traffic police are out of the accident scene, the accident certificate issued generally does not have much impact when making claims.

However, if you do not report to the insurance company and the traffic police, it will be relatively troublesome to deal with, and the specific problems will be analyzed in detail.

However, the general principle is that as long as the insured accident is real, the driver has legal driving qualifications (not unlicensed, drunk driving, drug abuse, etc.), and the insured vehicle is within the validity period of the vehicle driving license, and you provide relevant proof and information, the insurance company should compensate you.

If you have not reported the insurance at the time of the traffic accident, it depends on the situation

1. If you do not report to the police or the insurance company in advance, and you are directly self-employed after the accident, the insurance company may refuse to pay because it cannot prove whether a traffic accident occurred.

2. If it is handled privately after the police are called, or if the insurance company confirms the accident on the spot, it can claim compensation from the insurance company after obtaining the accident liability determination issued by the traffic police department.

3. The industry practice of insurance companies requires that the insured should report the case within 48 hours of the occurrence of the insurance, otherwise the insurance company has the right to refuse compensation.

Generally speaking, in the event of a traffic accident, it is necessary to report the accident first and let the insurance company conduct an accident identification. If the nature, cause, and extent of loss of the insured accident are difficult to determine due to intentional or gross negligence, the insurer shall not be liable for compensation or payment of insurance money for the part that cannot be determined.

Legal basis: Insurance Law of the People's Republic of China

Article 21.

The policyholder, the insured or the beneficiary shall notify the insurer in a timely manner after learning of the occurrence of the insured event. If the nature, cause, and extent of loss of the insured accident are difficult to determine, the insurer shall not be liable for compensation or payment of insurance money for the part that cannot be determined, unless the insurer has known or should have known about the occurrence of the insured accident in a timely manner through other means.

Regulations on Compulsory Insurance of Motor Vehicles

Article 21.

If a road traffic accident occurs in the 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 liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law.

Article 27.

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.

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.

Article 29.

The insurance company shall, within 5 days from the date of receipt of the certificate and materials provided by the insured, 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.

When a car hits a person on the spot and does not report the insurance, you can not report the insurance afterwards, and in the event of a traffic accident, you must first report the accident and let the insurance company conduct the accident identification. If the nature of the insured accident, the original known cause, the extent of the loss, etc., are not difficult to determine, the insurer shall not be liable for compensation or payment of insurance money for the part that cannot be determined.

Legal analysis: When a car hits a person who is not insured on the spot, you can not report the insurance afterwards, and when a traffic accident occurs, you must first report the case and let the insurance company conduct an accident identification. If the nature, cause, and loss of the insured accident are difficult to determine, the insurer shall not be liable for compensation or payment of insurance money for the undetermined part of the insured accident due to failure to notify the insured accident in a timely manner.

Legal basis: Article 21 of the Insurance Law of the People's Republic of China The policyholder, the insured or the beneficiary shall notify the insurer in a timely manner after knowing that the insured event has occurred. If the nature, cause, and extent of loss of the insured accident are difficult to determine, the insurer shall not be liable for compensation or payment of insurance money for the part that cannot be determined, unless the insurer has known or should have known about the occurrence of the insured accident in a timely manner through other means.

Summary. Without the first scene, the insurance company can also make a claim according to the car damage insurance. If you buy car damage insurance and buy deductible insurance at the same time, it should be 100% claimable.

1. Vehicle damage insurance is a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured or its permitted driver causes damage to the insured vehicle due to an insured accident while driving the insured vehicle. The insurer is responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle or its permitted driver:

1. Collision, overturning, falling;

2. Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately insured);

3. Falling and collapsing of external objects;

2. Deductible insurance is a special clause in car insurance that does not include deductibles, which is a kind of commercial additional insurance. After the insurance is insured, the owner can not only enjoy the part of the compensation that should be borne by the insurance company according to the terms of the insurance; You can also enjoy the part of the compensation that should be borne by the car owner because he is responsible for the accident.

Without the first scene, the insurance company can also make a claim according to the car damage insurance. If you buy car damage insurance and buy deductible insurance at the same time, it should be 100% claimable. 1. Vehicle damage insurance is a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured or its permitted driver causes damage to the insured vehicle due to an insured accident while driving the insured vehicle.

The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle or its permitted driver: 1. Collision, overturning and falling; 2. Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately insured); 3. Falling and collapsing of external objects; 2. Deductible insurance is a special clause in car insurance that does not include deductibles, which is a kind of commercial additional insurance.

After being insured, the owner can not only enjoy the part of the compensation that should be borne by the insurance company according to the terms of the insurance; The stove can also enjoy the part of the compensation that should be borne by the owner of the car because he is responsible for the accident.

Summary. It is also possible to report car damage insurance to the scene, report to the insurance company within 48 hours, usually the insurance company will give about 80% of the loss claim, and you can go to the insurance company's designated damage assessment center after the report can be carried out to assess the damage, and you must ensure that all the three parties are present, and the damaged car can be repaired after the damage assessment. Therefore, after a car accident occurs, even if there is no accident scene, as long as the accident is reported in time as required, the insurance company can also pay compensation.

You want to consult Min Hu Yuan's vehicle without on-site insurance claims, the vehicle has a small collision can take the fast claim mode bridge state, through the mobile phone to take pictures to retain evidence to do wide, call the insurance company ** to report, even if you leave the scene of the accident can also be to the insurance claim, the insurance company will send someone to check the damage to the vehicle, as long as the personnel on both sides of the accident are present.

Usually the insurance company will give about 80% of the loss claims, and after the report, you can go to the insurance company's designated damage assessment center for damage assessment, and you must ensure that all the three parties are present, and the damaged car can be repaired after the damage assessment. Therefore, after a car has a traffic accident, even if there is no accident scene, as long as the accident is reported in time as required, the insurance company can also pay the claim.

There are cases where people are injured.

Again, you must report the crime.

Summary. Hello dear, glad to answer for you! The car is not the first accident scene can be insured.

Claims can be made for car damage that is not on-site, but the amount of the claim will be reduced. When a motor vehicle is damaged, there is no way to keep the scene, or there is no waiting for the traffic police to check the scene, and there is no insurance company's damage assessor to investigate the scene, like this case, the unilateral loss of the motor vehicle, within 48 hours to the insurance company to report the damage, most insurance companies will give about 80% of the loss claim.

Hello dear, glad to answer for you! The car is not the first accident scene can be insured. Claims can be made for car damage that is not on-site, but the amount of compensation will be reduced.

When the motor vehicle is damaged, there is no way to keep the scene, dress up or do not wait until the traffic police to the scene to check, and there is no insurance company's damage assessment personnel to investigate the scene, like this case of unilateral loss of motor vehicles, within 48 hours to the insurance company to report the damage, most insurance companies will give about 80% of the loss claims.

Extended information: If it is a unilateral crash, there is no scene, you can also make a claim, and the insurance company can also make a claim according to the car damage insurance, which is a commercial insurance that the insured or its permitted driver will compensate the insured vehicle within a reasonable range due to the damage caused by the insured accident while driving the insured vehicle. After the occurrence of an insured event, when the insurer is requested to compensate or pay insurance money in accordance with the insurance contract, the policyholder, the insured or the beneficiary shall provide the insurer with the relevant certificates and materials that it can provide to confirm the nature of the insured event, the cause of the original reed, and the extent of the loss.

At eleven o'clock in the evening of the third day, the fog was very strong, and the car was excavated and changed to the roadside ditch, and the bumper of the front car of the BMW 525 was broken.

Later, we were given 2,000 yuan to be repaired, and we were going to the four-s shop to repair it.

My car is fully insured.

The insurance company said that we didn't call the police because there was no third party injury, and the bumper was broken, so there was no need to call the police.

According to the provisions of the Insurance Law, the insurance company shall immediately review the information submitted by the policyholder after submitting a claim application, and make an assessment within 30 days, and inform the policyholder of the result, so under normal circumstances, the insurance claim can be completed within one month, of course, unless otherwise agreed in the contract. Find out whether the insurance company has received the claim application materials and whether the materials are complete. If the policyholder does not submit all the claim application materials, the insurance company will inform the applicant of the additional materials that need to be supplemented through ** or SMS.

If you receive ** or text message, you should supplement the missing information in a timely manner according to the list received. If the insurance company receives the complete claim information submitted by the applicant, the insurance company will generally process the claim application on time in accordance with the requirements of the statute of limitations stipulated in the Insurance Law.

We ask the insurance company to settle a claim and go to the four-s shop to repair the car, and if it doesn't work, complain.

Pro, yes.

My car is insured, but I can't report it when I have an accident, what should I do?

Hello, if you do not report the case within the specified time, the insurance company can refuse to pay. According to the agreement of the insurance contract, the car owner should assist the insurance company to confirm the accident in a timely manner, and the insurance company will generally report the accident within 48 hours after the customer is out of danger as stipulated in the insurance contract. If the case is reported overtime, the accident scene is destroyed and the insurance company's verification of the accident situation may be refused, therefore, the car owner should call the insurance company's customer service ** in time after the accident to report, the insurance company's customer service staff will be based on the customer's description of the case, timely confirm the case late to raise the type, yard bi and guide the car owner to carry out relevant operations, to prevent missing the best processing time.

Timely reporting after the accident can enable the insurance company to investigate in time, quickly check the accident situation, confirm the amount of loss, and facilitate the follow-up maintenance of the car owner. Many car owners do not report the crime because they are afraid of trouble. In fact, insurance companies generally adopt simple claims for small cases, and many insurance companies only need to pass the guidance of the surveyor for unilateral small claims cases, and the car owner takes pictures through his mobile phone or other equipment he carries, which only takes a few minutes.

In addition, in order to report the accident in a timely manner, please pay attention to the insurance company's report**, the policy has a reminder in a conspicuous position, and the relevant ** of the insurance company is also printed on the windshield. Almost all property and casualty insurance companies emphasize that after the vehicle is out of insurance, the customer should report the accident within 48 hours, if the case has accumulated several times and then reported the case, the time limit for reporting the accident has passed, so that the insurance company cannot check the accident, then the claim may be denied.