Car accident insurance compensation, how to pay for car accident insurance

It doesn't matter, as long as you keep the policy and the invoice is kept.

Brothers upstairs, do you think this will solve the problem?

In this case, first of all, find the insurance officer who gave you the insurance at the beginning, and understand the situation through him. Or something else?

Then depending on the situation, it is to ask the insurance company for it; Or go to the CIRC or hire a lawyer.

We have to prescribe the right medicine, not do it blindly.

In addition, it is impossible to compensate the full amount, this is a copy, I am too lazy to play ha:

1.Medical expenses: 100% reimbursement for Class A drugs within the scope of medical insurance. Class B drugs, disposable hygiene materials, and large medical devices are 80% of the compensation. Category C drugs are not covered.

That is to say, no matter how medical expenses are eliminated.

2.Lost time pay and nursing care expenses. If it is verified according to the per capita income of the province in the previous year, there is less trouble, and if you want to provide a salary certificate, there are many procedures, such as the personal income tax payment certificate if the income is high.

3.Hospitalization meal allowance. Most of the provinces in the mainland are 15 yuan per day, which is based on the number of days of hospitalization written in the medical records.

4.Nutrition expenses are not covered by general insurance companies.

Therefore, the actual amount of compensation will be less.

There will be no problem, the insurance company has different levels of approval authority according to the size of the claim amount of the insurance case, you can inquire with the insurance company according to the size of the amount, what the specific situation is, and make a decision.

If the injured person asks for compensation and your car's insurance can be paid off, then I suggest that you can go to a lawyer to negotiate, and if the money from the head office is not paid within the specified time, then I think you should go to the police.

Ask a lawyer to protect their legitimate rights and interests, as long as the car is bought insurance, they must have money to accompany them, they will be very active in buying insurance, and it is not easy to ask the insurance company to take the money out, and if the compensation amount has not come down within the specified time limit, only ask a lawyer to come forward, and submit it to the court if necessary, so that the court can enforce it.

It is true that it is beyond the normal time, and it can be handled by a lawyer.

The insurance car accident compensation process is as follows:

1. After the accident is reported, the customer reports to the claims department of the insurance company, and after receiving the report from the auto insurance company, the customer will be required to fill in the "Business Insurance Registration Form" immediately after receiving the report;

2. The survey and damage assessment personnel shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice of the insurance company, require the customer to provide relevant documents, and guide the customer to fill in the relevant claim documents;

3. Sign for the review of the claim documents of the business department and the internal staff of the insurance branch to 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 the insurance report for the claim case with complete documents, and submit the claim documents and the information to be deposited to the property and casualty insurance department;

4. All claims must be adjusted and reviewed within 3 working days and submitted to the person in charge of the Claims Section for review;

5. Approve the claims within the authority of the property insurance department and submit them to the manager in charge of claims for approval, and report the claims beyond the authority of the property insurance department step by step;

6. Settlement of compensation.

The answer is how to compensate for car accident insurance: if a motor vehicle is damaged by a traffic accident, which is the responsibility of the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate within the liability limit of the compulsory insurance; The shortfall shall be compensated by the insurer underwriting the commercial insurance of motor vehicles and vehicles in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it. According to Article 23 of the Regulations on Compulsory Traffic Insurance for Motor Vehicles, compulsory insurance for motor vehicle traffic accident liability implements a uniform liability limit nationwide.

Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents. Article 1213 of the Civil Code of the People's Republic of China provides that if a motor vehicle is damaged in a traffic accident and is the responsibility of one party to the motor vehicle, the insurer that underwrites the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.