How to apply for insurance for car scratches? How to apply for insurance if the car is scratched

Of course, claims can be settled, and now all insurance companies have a fast claim settlement mechanism, which can go through a quick claim settlement and get the full amount of compensation without being on the spot.

Find an auto repair shop! There is a repair plan! Generally, it is not recommended to apply for insurance if it is not very serious! Like you, under the appearance treatment, use a decal to paste it, and it is more cost-effective to do it together when there is a big risk!

1.Report the case: First of all, report the case to the public security organ, here you can choose to report the case immediately or report the case afterwards.

Prepare the materials on your own, and generally report to the police station where the accident is located. Second, after the public security organ reports the case, it must immediately report the case to the insurance company, and it cannot exceed 48 hours after the accident. 2.

Damage assessment: After reporting the accident to the insurance company, it is required to assess the damage within 48 hours.

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The specific vehicle scratch insurance claim process is as follows:

1.After your vehicle is scraped, call the insurance company** to report the accident, and in case of emergency, you can call 110 to call the police;

2.The insurance company will send surveyors to the scene to investigate and assist in handling the scene, and will arrange tow truck rescue for vehicles that cannot be moved;

3.Then the surveyor and the owner of the car jointly confirm the accident responsibility, loss and expenses, etc., inform the claim information that needs to be submitted, and the car owner can hand over the insurance materials on the spot, mail, or on behalf of others;

4.If the liability for the accident is clear and the claim information is true, the insurance company will calculate the compensation according to the contract in accordance with the claim commitment, and will pay the compensation according to the agreed payment method;

5.On the question of how long it takes for the payment to arrive, the insurance company should pay the payment within 10 days after the payment agreement is reached;

6.For how to go to the scene of your own insurance, some insurance companies or repair shops support 1500 free on-site insurance, that is to say, you can get compensation without taking pictures, and you need to consult the local insurance company for specific requirements.

1, the rise and fall of the insurance cost has nothing to do with the amount of compensation after the insurance, only related to the number of accidents2, the first year of the car, that is, the first insurance, at this time your insurance cost is the most expensive 3, you have 19 years of driving experience and others have 1 year of driving experience, the insurance company will not consider these 4, you have to see clearly whether it is a scratch or scratch, if it is a scratch, it should be an area, if it is a scratch, scratch insurance can not be paid.

If it is a scratch, you can report the damage to the park, but only 70% of the compensation will be paid (except for the unified insurance car, which can also be 100% compensated for the damage caused by the parking of the unified insurance car).

5. If the repair cost is 300 yuan, even if it is a scratch, it is recommended not to apply for insurance, because only 70% of the compensation will be paid to you, that is, 210 yuan, and you also start the commercial insurance, if you are a new car, according to your repair fee of 300 yuan, your car should be about 10-12w, and the premium of commercial insurance should be 3500-4000, so you will be less discounted by 350 yuan next year, so don't report the insurance to solve it yourself.

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Answer: Hello, if both cars are scratched while driving and both parties are present. Both parties should turn on the warning lights, get out of the car as soon as possible to take pictures and collect evidence, if the responsibility for the accident is very clear, you can ask the other party how to deal with it, generally divide the private or go through the insurance process. If you are private, you can directly reach an agreement with the other party on the amount of compensation according to the loss of the vehicle; If you want to take insurance, then you must first report to the traffic police for identification, and the responsible party will pay the insurance company ** out of insurance, and then enter the insurance procedure, and the 4S shop will assess the damage and repair the car.

If the vehicle is parked on the side of the road or the parking lot is scratched by another car, and the person responsible for the accident can not be found, this situation is also more common, if the scratch is very bad, then you estimate that it is better to take insurance, first report to the traffic police, the general traffic police will call up the surveillance video around your vehicle to determine the vehicle that caused the accident, if the vehicle can be determined then in accordance with the first method, such as the road monitoring can not determine the vehicle that caused the accident, then after the traffic police deal with it, report to the insurance company, and then the insurance company will assess the damage to the car at the scene, If the car damage is small, you can start a quick claim, and if the car damage is large, you generally need a 4S shop identification. Of course, on the premise that the perpetrator cannot be found, the insurance claim can only compensate 70%, and different insurance companies may have different proportions.

If you drive to the curb or wall, the main responsible person for this situation is generally yourself, so if the car damage is not very large, will not exceed the second year due to the increase in the amount of premiums, it is recommended not to go through the insurance process, you can accumulate a lump sum in the second year of insurance after the new delivery, of course, you can also deal with the insurance when the insurance is about to expire, so that your second year's premium will rise.

If you drive to the curb or wall, the main responsible person for this situation is generally yourself, so if the car damage is not very large, will not exceed the second year due to the increase in the amount of premiums, it is recommended not to go through the insurance process, you can accumulate a lump sum in the second year of insurance after the new delivery, of course, you can also deal with the insurance when the insurance is about to expire, so that your second year's premium will rise.

As for how much it is, it depends on how serious it is and the certificate of identification of the traffic police. Scratching is also divided into degrees, the slightest is only paint off, no sheet metal is needed, so the general car paint is 400-700 pieces; If it is a plastic position, such as a bumper, the victim may choose not to spray paint, at this time it is about 200; If it is a metal part such as a car door, etc., 500+. Once you need sheet metal repair, it is more troublesome, ** it is not easy to decide, at this time it is best to take insurance.

1. If it is an accident where two cars collide or scrape, it is necessary to determine whose responsibility is the first thing to do, and whose responsibility is to take whose insurance, but it cannot be the responsibility of others and take their own insurance.

2. After the responsibility is clear, for example, if it is your own full responsibility, then report to the insurance company first, and then say that the car crashed and report the accident after connecting.

3. If there is damage to the inside of the vehicle, then it needs to be dismantled and inspected, so that it is a little troublesome, you need to take the damage assessment form to the insurance company's damage assessment point, and then go to the 4S shop to dismantle and repair the car, and sell Zheng and other things are negotiated by the 4S shop and the insurance company, after repairing the car, you need to pay the money first, and then hand over the invoice to the insurance company, two or three working days, the slow hail money for repairing the car will hit your account. Scramble sails.

4. Then there is another situation that you accidentally scraped the wall while driving, and you didn't notice it, or you didn't have time to report the crime, and you had already driven away, and there was no accident scene, or you didn't know who was scratched by the car when it was parked, and you couldn't find the person responsible, then you can also take insurance. The reporting process is the same, and it is also necessary to report the case.

If the car is scratched and needs to be insured, then you need to call the police at the scene of the accident and notify the insurance company, and then wait for the insurance company to send someone to assess the damage, and after the damage is determined, you can drive the car to the repair shop for repair, and then the insurance company will pay for it.

[Legal basis].Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 21 If a road traffic accident occurs in an 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.

If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

1. Report the case: Report the case to the public security organ, and you can choose to report the case immediately or afterwards. Prepare the materials on your own, and generally report to the police station where the accident is located.

After the public security organ reports the case, it is necessary to report the case to the insurance company immediately, and it cannot exceed 48 hours after the accident.

2. Damage assessment: After reporting to the insurance company, it is required to assess the loss within 48 hours, if there is any objection to the amount of compensation issued by the loss assessor, it is best to negotiate clearly on the spot.

3. Repair: After the damage assessment order is in hand, you can find a car repair shop to repair the car at any time. If you have to pay a certain percentage of the repair fee, you can negotiate with both parties.

4. Claim: After repairing the car, issue an invoice, and go to the insurance company's office to submit a claim application. It is recommended to choose to have the insurance company bank transfer.