The claims process for an auto insurance claims adjuster

The steps to make a car insurance claim are as follows:

1. Report the case. The policyholder should report the case to the insurance company** service within 48 hours;

2. Survey and damage assessment. The staff of the nearest insurance company outlet where the accident occurred conducted an investigation and damage assessment;

3. Nuclear price and loss. The compensation case should be settled within 3 working days and submitted to the person in charge of the Verification and Claims Division for review;

4. The policyholder submits the claim information to the insurance company's outlets, and the staff uploads the information to the auto insurance claim management system;

5. The claims adjuster begins to review, adjust and verify the claim from the receipt of the materials;

6. The policyholder can go to the nearest outlet to receive the compensation or get the compensation by transfer.

Claims for car accident insurance will be made within 10 days after the agreement with the insured to compensate the insurance money is reached. The insurance company may compensate the insured for the insurance money vertically, or directly compensate the victim for the insurance money, and if the rescue of the injured person needs to be paid in advance by the rescue management agency, the rescue management agency shall receive the public security organ.

After the notice of the traffic management department, the rescue expenses shall be paid to the medical institution in a timely manner after checking.

The process is: insurance, reporting, investigation, damage assessment, price verification, loss verification, compensation verification, and payment.

The basic process of the car owner when making a claim:

1. Present the insurance documents;

2. Show the driving license;

3. Present your driver's license;

4. Present the ID card of the insured;

5. Present the insurance policy;

6. Fill in the danger report form;

7. Fill in the details of the accident;

8. Fill in the details of the reporter and the driver and the team members and contact**;

9. Check the appearance of the vehicle, take photos and assess the damage;

10. The claims adjuster leads the owner to conduct a visual inspection of the vehicle;

11. Take photos and verify the damage according to the content of the report filled in by the car owner;

12. The claims adjuster reminds the owner of the vehicle whether there are valuables on the vehicle;

13. Deliver to the maintenance station for repair;

14. The claims adjuster opens a task order to determine the maintenance items and maintenance time;

15. The owner signs and approves;

16. The owner will hand over the vehicle to the maintenance station for maintenance.

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After a traffic accident, the owner of the car should protect the scene, report to the insurance company within 48 hours, truthfully state the accident, provide the insurance policy, wait for the insurance company's investigators to investigate the scene, and fill in the "Claim Application". In addition, the owner of the car as soon as possible to hand over all kinds of claim documents to the insurance company's claims adjuster, after the repair of the vehicle in danger, the owner should keep the repair invoice, and at the same time provide other necessary materials to the insurance company to claim.

Second, understand the scope of denial and exemption. "When making a car insurance claim, car owners should follow the relevant traffic regulations and familiarize themselves with the insurance coverage. Insurance experts said that Shanghai Pacific Insurance Company has the right to refuse compensation for vehicles that fail to pass the annual examination or do not have an annual review, tow uninsured vehicles, traffic hit-and-runs, and vehicles whose policies have not been transferred after purchasing second-hand cars.

In addition, not all accident owners are fully compensated. For example, if the parts or accessories on the vehicle are stolen or damaged, but not the entire vehicle, Pacific Insurance will not pay the claim.

Third, it is not cost-effective to claim for too small losses. Because when renewing Pacific Auto Insurance, Pacific Insurance Company has a premium preferential clause, that is, if the vehicle has not been insured for one year, it can enjoy a premium discount of about 10% when it is renewed in the second year; If there is no insurance record for several consecutive years, then the premium discount can reach up to about 30%.

Generally, it is necessary to report the crime. They came and investigated. Depending on the condition of your car, it is handled. Nowadays, many people are cheating on insurance, so the degree of investigation by various insurance companies is different. The process was the same at the time. Some insurance companies also have to conduct a second survey.

If you go to the 4S shop to repair it, you can go directly to them, they will get it for you, it is recommended that if the loss is less than 500 yuan, then repair it yourself, if the insurance next year's premium is more expensive than your repair this time, it is more than 10, the premium.

The damage to your vehicle is a single-vehicle accident, and according to the relevant provisions of the insurance company, you must try to circumvent two problems: first, the requirement to report the accident within 48 hours; The second is the scene of the accident (re-investigation and comparison of damaged parts). It is recommended that you:

You send the 4S shop for repair, you can contact the store's three-pack claimant, and he will report the case on your behalf and assist the insurance company in assessing the damage, and at the same time provide you with the free service of ** claim, as long as you provide relevant claim information, the current 4S shop provides customers with this kind of multiplication service.