How to deal with the overtime of car insurance report, and what to do if the insurance claim report

After the vehicle is out of insurance, it is necessary to try to follow the following:

First, after the driver calls the insurance company's customer service ** in time to report the case, the insurance company's customer service staff will confirm the type of case in time according to the customer's description of the case, and guide the driver to carry out relevant operations to prevent missing the best processing time.

Second, timely reporting after the accident can enable the insurance company to investigate in a timely manner, quickly check the accident situation, confirm the amount of loss, and facilitate the customer's follow-up maintenance and treatment.

Thirdly, according to the insurance contract, the customer should assist the insurance company to confirm the accident in a timely manner, and the insurance company will generally stipulate in the insurance contract that the customer will report the accident within 48 hours after the accident. If the case is reported late, the accident scene will be destroyed and the insurance company's verification of the accident may be affected, and the claim may be refused.

Fourth, if a road traffic accident occurs when the vehicle is driving in other places, you should notify the insurance company as soon as possible, and you can call the insurance company's report ** and tell the insurance company your license plate number and the name of the policyholder. The other party entrusts a local company to conduct an investigation and issue an inspection report, or the insurance company's local branch comes to investigate and provide assistance.

Fifth, if the vehicle is insured by some small abrasions, collisions and other problems, and the damage is not very serious, the vehicle itself is through the car insurance in the 4S shop or repair shop, you can notify the insurance company, and after getting the consent of the insurance company, you can drive the car back to the local area and then make a claim.

Clause. 6. After an accident occurs, you can also call the police in time and request the police to assist in reporting to the insurance company.

It doesn't matter if the insurance claim is outdated. Insurance claims are indeed time-sensitive.

Generally speaking, this time limit will be stated in the product contract, usually within 7 days from the date of occurrence of the insured event, the insured or the insured's relatives will notify the insurance company in writing. In the case of critical illness insurance.

This is an old-fashioned payment product, which means that within 30 days from the date of notification, the required materials should be sorted out and the insurance company should be applied for compensation, otherwise there will be some consequences that consumers need to bear by themselves. If the insured or beneficiary does not report the case in time, then the insurance company will investigate in more detail to see if there is any fraudulent insurance or overinsurance rent, so that the speed of claim settlement will naturally decrease. Of course, this cost is not borne by the insurance company, but by the insured himself.

Therefore, not reporting the case in a timely manner will not only affect the speed and quality of claims, but also increase the cost.

Test your anti-risk index, experts will interpret it for you for free!

Legal Analysis: Car insurance is valid for reporting more than 24 hours. The owner of the car only needs to report the accident within the time specified by the insurance company.

After the vehicle is involved in a traffic accident, the general insurance company or the company requires to report the accident within 48 hours, and the insurance company will send a surveyor to the scene to investigate the accident, and then the owner will go to the designated place to assess the damage and repair according to the guidelines of the insurance company, and finally handle the claim. After the claim procedure is completed, you can wait for the insurance claim to arrive.

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 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.

Car insurance is reported more than two years ago.

According to the regulations on renting a claim, if a life insurance policy is more than five years and a non-life insurance policy is not reported for more than two years, the insurance company shall not be liable for the settlement of claims after the statute of limitations for litigation claims is exceeded. However, it should be noted that many insurance companies stipulate that the car owner should report within 48 hours after the car insurance accident, but this does not mean that the car owner has more than 48 hours, the insurance company will directly reject the claim, and the insurance company will determine the loss, but since the accident is more than 48 hours away, there will be certain difficulties, and some parts may be uncertain. Therefore, the insurance company is naturally not liable for compensation and cannot confirm the loss.

Therefore, after the occurrence of an insured event, it is recommended that the owner report in time and not delay for too long, otherwise there may be a claim dispute and the claim time will be extended.

Summary. You can show them the note, and the note has the exact time of injury. That is, the date you go to the hospital. Generally speaking, it is impossible to use evidence, and it is necessary to make evidence according to what is on the document.

You can show them the note, and the note has the exact time of injury. That is, the day you go to the hospital to see a doctor. Generally speaking, it is impossible to use it as evidence, and it is necessary to make evidence according to what is on the document.

What if an accident occurs in the middle of the night and the next morning is reported and the insurance company refuses to compensate.

If the other party refuses to compensate, it may file a demolition lawsuit with the court to require it to pay compensation. According to Article 73 of the Road Traffic Safety Law of the People's Republic of China, the traffic management department of the public security organ shall, according to the inquest, inspection and investigation of the traffic accident scene and the relevant inspection and appraisal conclusions, make a traffic accident identification certificate in a timely manner as evidence for handling the traffic accident. The written determination of the traffic accident shall state the basic facts of the traffic accident, the causes and the responsibilities of the person involved in the traffic accident, and serve it on the parties.

The accident occurred too late that night and failed to report the accident in time, and the insurance company said that it did not report the accident at that time, and the next day it reported that it was not insured.

Report the case to the insurance company. Usually, after a traffic accident, the vehicle party not only has to report the accident to the local traffic management department, but also to the insurance company within 48 hours after the accident.