Precautions for reporting car insurance, the process of applying for car insurance

After the insured accident occurs in the vehicle, the scene should be immediately protected, the injured and property should be rescued, and relevant evidence should be retained; Immediately report the case to the traffic management department of the public security organ. **Notify the insurance company to report the accident (there is a report from the insurance company on the vehicle insurance card**), and bring the original insurance policy, driver's license, driving license, and the insured's ID card to the insurance company within 48 hours to officially report the accident.

The process of applying for car insurance is as follows:

1. Report the accident in time: report to the insurance company within 48 hours after the accident;

2. Investigation and damage assessment: After the report is reported, the insurance company will have a special person responsible for the investigation and vehicle damage assessment;

3. Nuclear price: unilateral non-serious damage accidents, on-site damage assessment, multi-party and serious damage accidents, damage assessment center;

4. Provide documents: deal with car insurance accidents and submit necessary documents;

5. Claim compensation: submit all documents, complete the car insurance claim, and receive the claim.

The following information should be brought with you when applying for car insurance:

1. A copy of the driver's license;

2. A copy of A's ID card;

3. A copy of the insurance policy;

4. Traffic police responsibility letter;

5. Maintenance invoices of both parties;

6. A copy of the driving license of the subject vehicle;

7. The insured's bank account number and bank name;

8. A copy of the compulsory insurance policy of the three vehicles;

9. Frame code support.

The auto accident claim process is mainly as follows:

1. Report the accident

After the occurrence of an insured accident, please call the insurance company to report the accident**, and the staff of the insurance company will arrange the corresponding personnel to investigate and assess the damage at the scene of the accident, and tell you the documents required for the claim, and carry out the corresponding claim guidance.

2. On-site investigation

After receiving the report, the insurance company will arrange for the investigation and damage assessment personnel to arrive at the scene of the accident in time to investigate and deal with the accident, and agree on the amount of loss and maintenance method with the owner. At the same time, the evidence related to the claim is preliminarily collected, and you are reminded to keep the documents required for the claim. If the victim is in the hospital** due to injury, the claims adjuster will go to the hospital to communicate with you.

3. Submit a claim application

After preparing the documents required for the claim, you can go to the counter of the local insurance company to apply for a claim. For users who do not have a local claim network or it is inconvenient to apply at the counter, some companies support mailing the claim application materials to the insurance company for claims.

4. Claim review

After receiving the claim materials, the insurance company will conduct a claim investigation and review.

5. Claim decision

After the review, the insurance company will make a decision on the claim in a timely manner. If the decision is made to pay, a notice of payment will be sent and the insurance premium will be paid by bank transfer or cash. If it is decided not to pay compensation, a notice of refusal will be sent and the corresponding application materials will be returned.

After the vehicle is involved in an accident, the first office requires that the case be reported within 48 hours. The car protects the scene in case of danger, and you can take pictures of yourself to keep evidence. If you encounter a person**, you need to call 120 emergency ** as soon as possible, and contact the police and the insurance company.

If there is no personal injury involved, you can arrange the **, move the car to the side, and go fast in the mode of quick compensation.

You can also wait for the arrival of the insurance company's personnel, calculate the loss, fill out the liability determination letter of both parties, and then repair the carriage, submit the documents, and the insurance company will make 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;

According to the provisions of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, 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.

After the vehicle is involved in a traffic accident, call the insurance company** first, and apply to the insurance company to investigate the scene as soon as possible. Then dial 122 and the traffic police will determine the responsibility. Then you can go to the damage assessment and repair the car to go through the claim procedure.

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The specific steps of car insurance are as follows:

Step 1: You need to report the accident within 48 hours after the accident, and the insurance company will send investigators to investigate before confirming whether the accident is true and the responsibility of the insured vehicle;

Step 2: Assess the damage to the vehicle and issue a bid order;

Step 3: The traffic police will issue a certificate of responsibility for the accident and other materials;

Step 4: I can bring the liability certificate, mediation letter, judgment and repair invoice, medical invoice, medical record, original (copy) of insurance policy, copy of ID card, copy of driving license, copy of driver's license and other relevant insurance information to the insurance company to claim compensation;

Step 5: The insurance company will accept the case as soon as possible and make a claim.

Extended Materials. How to make a claim.

There are two ways for the insurance company to settle claims to the policyholder according to the insurance contract after the accident: compensation and payment.

Compensation corresponds to property insurance, which refers to the compensation made by the insurance company for the loss of the insured on the basis of the insured amount according to the damage to the insured property at the time of the accident. Insurance compensation is compensatory in nature, i.e. it compensates only for the part of the actual loss, at most equal to the value of the damaged property, and never more than its value.

However, life insurance is based on people's life or body as the subject matter of insurance, because people's life and body cannot be measured by money, therefore, the damage to life or body caused by life insurance cannot be measured by money. Therefore, in the event of an accident, the insurance company can only pay the insurance money to the insured or beneficiary within the amount agreed in the policy. That is, life insurance pays the insurance money in the form of benefits.

Statute of limitations. Insurance claims must be made within the statute of limitations, beyond which the insured or beneficiary does not file a claim against the insurer, fails to provide the necessary documents and does not receive the insurance money, which is deemed to be a waiver of rights. The timeliness is different depending on the type of insurance.

The statute of limitations for life insurance claims is generally 5 years; The statute of limitations for other insurance plans is generally 2 years.

The statute of limitations for claims shall be calculated from the date on which the insured or beneficiary becomes aware of the occurrence of the insured event. After the occurrence of an insured event, the policyholder, insurer or beneficiary must first immediately stop the insurance and file a claim.

After the policyholder submits a claim, if the insurance company believes that it is necessary to submit relevant certificates and materials, it shall notify the other party in a timely manner. After the materials are complete, the insurance company shall make an assessment in a timely manner, and if the situation is complicated, it shall make an assessment within 30 days and notify the other party of the verification result in writing; For insurance liability, the insurance company shall pay the compensation within 10 days after the compensation agreement is reached; For those that do not fall within insurance liability, a notice of refusal shall be issued within 3 days from the date of verification, and the reasons shall be explained.

The insurer's claim review time should not exceed 30 days, unless otherwise agreed in the contract. Within 10 days after reaching an agreement to compensate or pay insurance benefits, the insurance company shall fulfill its obligation to compensate or pay insurance benefits. In addition, if the verification does not belong to the insurance liability, a notice of refusal shall be issued within 3 days from the date of verification and the reasons shall be explained.