Traffic Accident Insurance Claim Questions! 100 points!!

1: Privately he can take your money and then find his own insurance company to claim, it is not cost-effective for you, you pay your own money, you must report to your insurance company, and hand over the responsibility to the management, your insurance company will compensate him, and you do not need to pay money.

2: Look at the final responsibility of the traffic management, if they are all responsible, they are the same responsibility, and each insurance company is responsible for compensating the insured. If it is the responsibility of one party, the insurance company of the fully responsible party compensates the party who is not at fault.

3: The traffic police and insurance must report the case as soon as possible, pay attention to the fact that the vehicle can not be moved without permission, it is best to take a few photos yourself, and you can explain the problem clearly.

4: New cars to buy compulsory insurance, this is required, otherwise there will be a fine, can not be annual inspection of the car; There is also commercial insurance, so that you can insure and pay for an accident.

5: There's no fee, that's their job.

6: It should be within a reasonable range, not much.

7: Rapid claim settlement is a small accident, no need for the traffic police to the scene, but the two parties involved in the accident drive to the nearest rapid claim center, please quickly claim the responsibility of the traffic police of the claim center on both parties' statements, and the insurance department to make a loss assessment, face to face claim, on-site money a way of claim. For newbies should note that 1:

Extreme Times, traffic police and insurance, waiting for the insurance company to come and take pictures; 2: If the traffic police return to ** let the claim be made quickly, remember that you can't let the other party run away, your exchange documents, (yours is sure that the other party hit you) 3: You must bring the original copy of the compulsory traffic insurance, driving license, driver's license.

4: If the damage assessment is over, it is the other party who compensates you, remember to get the money, otherwise you refuse to sign, and you have to charge the other party's documents to ensure that you get your own compensation, if you let him run away you may never find him again, and one more point, the other party's insurance company will not give you the money, if the insurance company has assessed the loss, according to the amount of the loss, find the other party to ask for money, you must get it, you can leave, his insurance company will give him the money, that's not your business, remember to get the money and let him go.

That's all, please be careful when driving!

It seems that your problem is that you do know a little less about insurance :

1. The public use of insurance is that the insurance company can give you the amount of the insured amount of the claim when you are in danger, at that time in the car insurance, your car because of a little scratch, and take the report, which is quite costly for you, of course, you can also report the case to the insurance company to claim the claim, that is very certain. It's just that in car insurance, if your car is reported more than 3-5 times within one year, the insurance for the second year is very difficult, and the relevant preferential policies are gone.

2. When making a car insurance claim, it includes your own car and the other party's car, as well as the people and things of the third party.

3. After the accident, call the police first (small scratches can be solved by themselves), the traffic police will give you a traffic responsibility check after arriving at the scene, according to their respective responsibility ratios, and then go to the repair shop designated by the insurance company to repair, and then take the invoice to the insurance company for reimbursement.

4. If you are a novice, it is recommended that in addition to the compulsory traffic insurance stipulated by the international football, it is recommended to add a third party of 5-100,000 yuan and no deductible.

5. The traffic police and the insurance company's claims adjusters arrived at the scene to investigate, which was the scope of his work, and there was no cost.

6. It is very appropriate to do so.

7. Rapid claim settlement refers to the method of private negotiation between the two parties to the accident when the matter is not big and there is no need to affect the traffic police and the insurance company.

Hello: I am from the insurance company, and I will ask you questions one by one.

1.In most cases, the accident is small, a waste of time, and an over-declaration of insurance will increase the number of accidents, which directly affects the premium of the second year, and there are also losses made by the other party, drunk, or unlicensed, in this case, the insurance company will not pay compensation.

2.Which party to pay is first established on, to determine which party is responsible, how much is the responsibility, the traffic police will help you determine the division of responsibility, now most of the occurrence is full responsibility, determine who, whose insurance company pays. There is still half and half of the responsibility, then repair your own and so on.

3.It is very important to report to the traffic police after an accident, many accidents occur when there is no police and no law enforcer is present, and then you only need to consult your insurance company during the compensation stage. On the insurance company's side, remember that don't go to a small insurance company for a few hundred dollars left, which will bring you more than a few hundred troubles.

4.New car + newbie needless to say, on the full insurance, compulsory traffic + commercial (all insurance).

5.You can rest assured that the salaries of the police are given to them by our taxpayers, they are state officials, they will not charge you anything, and the insurance company will certainly not ask you for a fee, and if you take out the insurance policy, you have the right to enjoy its services.

Yuan suitable ok (so much for touch-ups).

7.Chinese People's Property Insurance Shares****.

PICC P&C Auto Insurance Claim Process.

1 Because car insurance is compensated according to the accident liability and proportion, not the full compensation.

2 If the other party has car insurance, then wait for the other party's insurance claim to be paid according to the situation, and your own compensation will be listed according to the situation of liability.

3 Those who call the traffic police first and then the insurance company need to provide the traffic accident identification issued by the traffic police.

4 Of course, it is better to buy car insurance first, and it is best to buy some accident insurance and whole life insurance for yourself.

5 Don't pay any fees, just find an insurance marketer who works for you, and let him handle everything.

6 Generally speaking, 100 yuan is not much, and it will be a good fortune if nothing major happens.

7. Fast claim settlement means that the insurance company will handle all the claim procedures for you in the shortest possible time after taking over the claim to show their professionalism and excellent service. As long as they provide them with the required formalities and documents in time, there are no additional conditions.

Best my answer, give me points, hehe.

1. When filing a lawsuit, if the plaintiff sues both the party responsible for the accident and the insurance company, the two may be listed as co-defendants. However, according to Article 31 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability and Article 76 of the Road Traffic Safety Law, the victim of a road traffic accident has a direct right to claim the insurance money, and the right to claim is statutory, so the two can be listed as co-defendants from the perspective of the consolidation of lawsuits. 2. When filing a lawsuit, if the plaintiff only sues the party causing the incident, it shall be explained to the plaintiff that the plaintiff shall apply for the addition of the insurance company as a co-defendant or a third party, or the insurance company shall apply to participate in the lawsuit as a third party; If the plaintiff still does not add the insurance company after the explanation, and if the insurance company does not apply to participate in the litigation as a third party, the court shall add the insurance company as a third party ex officio.

Although the insurance company is not responsible for the accident, according to Article 50 of the Insurance Law, Article 76 of the Road Traffic Safety Law and Article 31 of the Regulations on Compulsory Traffic Insurance, the insurance company, as the subject of compensation, has a direct interest in the outcome of the case, and the court may not make an unfavorable judgment against it without its knowledge and deprive it of its legitimate litigation rights. In addition, the principle of "first compensation" of compulsory traffic insurance is a statutory principle, and the insurance company should pay compensation to the victim in advance, and the liability of the party responsible for the accident can only be judged after the insurance company's compensation scope is determined. Therefore, the insurance company should be added as a party.

As for the litigation status of the insurance company, the basis of the claim in the case of personal injury compensation for road traffic accidents is the tort legal relationship, and the insurance company does not have an independent right to claim the subject matter of the case (i.e., tort), but has the obligation to pay compensation in advance and directly to the victim based on the direct provisions of the law, and the compensation obligation originates from the conclusion of the insurance contract between the insurance company and the perpetrator, so the insurance company's litigation claims in the case of personal injury in the road traffic accident are often attached to the perpetrator. Therefore, the litigation status of the insurance company should be that there is no independent right to claim. In the case of an insurance company as a co-defendant, it has been mentioned earlier and is omitted here. Exceptions.

In practice, especially in traffic accidents involving vehicles from other places, the information of the insurance company on the traffic police accident certificate is only the insurance policy number, and the court cannot ascertain the specific information of the insurance company, from the perspective of litigation costs and litigation efficiency, in this case, the court can only examine the tortious legal relationship, and article 50 of the Insurance Law stipulates that the insurance company may pay compensation to the perpetrator, so the court may add the insurance company as a third party ex officio. 3. When filing a lawsuit, if the plaintiff only sues the insurance company, because the scope of liability of the insurance company shall be determined according to the liability of the party causing the incident, and the scope of liability of the insurance company is also interested in the party causing the incident, the court shall explain to the plaintiff that the party responsible for the accident shall be added as a co-defendant or a third party to participate in the litigation, or the party responsible for the accident shall apply to participate in the litigation as a third party.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

1 That's true, the insurance company will investigate your attendance record.

2. There is no way, the legal effect of the tax bill is higher than the salary slip issued by the unit. And in case it is exposed, you and the unit are suspected of tax fraud, in this case, the unit will not issue a salary certificate indiscriminately.

3 should be all costs. That is, vehicle maintenance, work stoppage, medical losses, etc., the losses of both parties are hedged, and the remaining part is compensated according to liability.

4. Unreasonable. Because he can rent a car to solve the problem of work cars, there is no problem of work stoppage. You'll only have to pay 70% of the cost of renting a car for those days.

Your friend is suspected of a traffic accident.

Compulsory insurance can only pay for medical expenses in advance, but the insurance company will recover from your friend.

He could be sentenced to up to 3 years in prison and face financial claims of about $400,000.

It is advisable to hire a lawyer** as soon as possible.

Legal basis. Article 133 of the Criminal Law Whoever violates traffic and transportation management regulations, thereby causing a major accident, causing serious injury or death to a person or causing major losses to public or private property, shall be sentenced to fixed-term imprisonment of not more than 3 years or short-term detention.

According to Article 2, Paragraph 1 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Specific Application of Law in the Trial of Criminal Cases Involving Traffic Accidents, it refers to any of the following circumstances:

1) One person is killed or three or more people are seriously injured, and the person bears full or primary responsibility for the accident;

2) If there are three or more deaths, the same responsibility for the accident shall be borne by the same person;

3) Causing direct damage to public property or other people's property, bearing full or primary responsibility for the accident, and being unable to compensate for more than 300,000 yuan.

Paragraph 2 of Article 2 stipulates that if a traffic accident causes serious injury to more than one person, and bears full or primary responsibility for the accident, and has any of the following circumstances, it shall be convicted and punished as the crime of traffic accident:

1) Driving a motor vehicle after drinking alcohol or taking drugs;

2) Driving a motor vehicle without driving qualifications;

3) Knowingly driving a motor vehicle with incomplete safety devices or malfunctioning safety components;

4) Knowingly driving a motor vehicle without a license or has been scrapped;

5) Driving with serious overload;

6) Fleeing the scene of an accident in order to evade legal prosecution.

Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that: "In any of the following circumstances, the insurance company shall pay the rescue expenses within the limit of the compulsory insurance liability for motor vehicle traffic accident liability, and shall have the right to recover compensation from the victim:

1) The driver has not obtained driving qualifications or is intoxicated;

2) The accident is caused during the theft and robbery of the insured motor vehicle;

3) The insured intentionally causes a road traffic accident.

In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim. ”

Within the scope of compulsory traffic insurance, 12200 need to be sued by the other party to the court before the driver and the insurance company can be compensated; The driver violated the Road Traffic Safety Law, the driver's license management system, the Criminal Law, the Tort Liability Law, etc. The owner of your friend's car needs to bear some joint and several civil liability because he is grossly at fault for lending the car to an unlicensed person to drive. According to the Tort Liability Act, civil liability is required.

The unlicensed driving insurance company does not compensate, and the friend violates the traffic safety law and criminal law, and will be subject to criminal and financial penalties.

If the negotiation cannot be reached, the lawsuit shall be filed directly with the court.

Traffic accident compensation generally includes the following:

If the victim is injured but not disabled, medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal allowances, necessary nutrition expenses, etc.

If the victim is disabled due to injury, medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal allowances, necessary nutrition expenses, disability compensation, disability assistive device expenses, living expenses of dependents, compensation for mental damages, and necessary expenses, nursing expenses, and follow-up expenses actually incurred due to nursing care and continuation.

Apply to the court for enforcement, and the court will immediately go to the insurance company to enforce it against you.