What should I do if my car is scratched? The car was scraped how to go insurance

What should I do if my car is scratched?

1. Call the customer service of the insurance company ** to report the accident and roughly explain the situation of your vehicle.

2. After the insurance company's survey personnel arrive at the scene, they will confirm the cause, nature and loss of the accident. For some small scratch accidents, the insurance officer will let the owner take a photo of himself and send it to WeChat.

3. Then there is the process of damage assessment, the repair shop will price the loss of the vehicle, and the insurance personnel and the owner will sign and confirm after no objection.

4. Collect the required materials of the case and submit them to the insurance personnel for claim procedures.

5. The insurance company can pay the car owner's account after being reviewed by different departments and confirmed. Some insurance companies that pay direct compensation do not require the owner to pay in advance, so the payment will be paid directly to the repair shop.

The car was scraped and the insurance was handled like thisThe first case: the two cars are scratched and doubled while driving.

In the presence of all parties. Both parties should turn on the police.

After the lights are displayed, get out of the car as soon as possible to take photos and collect evidence, such as accident responsibility.

It is very clear that you can ask the other party how to deal with it, and it is generally private.

or go through the insurance process.

If it is private, it can be followed directly according to the damage of the vehicle.

The party reaches an agreement on the amount of compensation; If you want to go insurance then.

It must be reported to the traffic police for identification first, and the responsible party will hit the insurance company.

Out of the insurance compensation, and then enter the insurance process, the 4S shop evaluates the car.

Damaged and repaired. The second case: the vehicle is parked on the side of the road or in the parking lot is replaced.

The car is scratched and the person responsible cannot be found.

The situation is also relatively common, if you scratch very badly, you should go.

If the insurance is good, first report to the traffic police, and the general traffic police will pick up the vehicle.

Surveillance video of the surrounding area to identify the vehicle that caused the accident, if the accident can be determined.

Vehicles are then dealt with according to the first method, such as road surveillance.

If the vehicle that caused the accident cannot be determined, then after the traffic police deal with it, report it.

The insurance company, and then the insurance company will assess the car damage on the spot, and if the car damage is small, it can start a quick claim, such as if the car damage is large.

Generally, 4S shop identification is required. Of course, on the premise that the perpetrator cannot be found.

Insurance claims can only be reimbursed by 70% of different insurance companies.

The proportions may not be the same.

First of all, all risks generally include compulsory traffic insurance and third-party liability.

Insurance, seat insurance for people on the car, theft insurance, car damage insurance, start.

Machine special loss insurance、Unable to find a third party special agreement、No。

Including deductibles, spontaneous combustion insurance, etc., all-risk insurance is a group of various types of car insurance.

The scope of claims is naturally the scope of protection for these types of insurance.

Surround. Let's take the above all-risk as an example, let's talk about the protection of all-risk.

Range. 1. Compulsory traffic insurance, compulsory traffic insurance is also compulsory insurance, this is.

In the case of compensation to a third party, the third party refers to the third party.

Property and personal damage caused, whether or not the insured has it.

liability, the insurance company should compensate for the expense. The downside is.

There is a certain limit on the payout, which needs to be supplemented by commercial auto insurance.

2. Third-party liability insurance, third-party liability insurance can be said to be.

For the supplement of compulsory traffic insurance, the insured amount is 100,000, 200,000, 500,000, 1 million and other different grades, which can be based on their actual situation.

Choose the sum insured that suits you.

1. Look at the traffic accident liability determination form on the traffic police to determine whose responsibility is the other party's insurance, first go to the insurance company to assess the damage, and then go to the auto repair shop designated by the insurance company for repair;

2. Scratches can be directly painted in sheet metal, and the other party can pay the money after repairing, and the owner can pick up the car.

If you encounter a vehicle that has been scraped by someone else and the other party has escaped, you should first call the police. Don't think about finding an insurance company for reimbursement when you see the car being hit, you should know that when the driver escapes, the most important thing is to find out the driver first, so that the perpetrator will also pay compensation. In terms of insurance, if the owner of the car cannot find the culprit, he or she needs to bear 30% of the responsibility.

If the parking is in a paid parking lot, there is a parking voucher or an electronic voucher for vehicle admission, then the car is hit in the parking lot, and the parking lot also has the responsibility of failing to fulfill the obligation to keep the vehicle, and if the perpetrator cannot be found, the parking lot should bear the loss caused by parking.

1. If the insured vehicle is scratched, be sure to report to the insurance company on the spot in time for normal claim procedures. When reporting to the insurance company, pay special attention to the time of reporting, which is generally within 48 hours; If the time limit is overdue, the insured must bring the original ID card and go to the insurance company in person to make a supplementary report. After the insurance company assesses the damage to the vehicle, it will repair the car at the 4S shop.

If the vehicle is scratched on the road, the traffic police need to issue an accident certificate, and if the vehicle is scratched on a non-road road, the accident certificate must be issued by the police station.

2. It is necessary to report the case afterwards, if there is no scene, you need the police station where you are located to prove that your car was deliberately zoned by someone or for some other reason, so you had better report the case first, and then call the insurance company that insures your vehicle, and the insurance company will deal with it in the next step.

3. After the paint damage of the vehicle, there is no need to report on the spot, if you have time, you can call your insurance company to report. Then wait for the loss assessor to contact you to see the specific damage to your car. Damage your vehicle and**.

You take the damage assessment order to the repair shop for repairs, pay for it, and get the invoice. After that, you can bring all the materials to the insurance company to make a claim.

4. Scratch insurance does not need to be reported on the spot, and it is said that the body is scratched in many places at one time. Whether the insurance company pays full depends on which insurance company underwrites it (i.e., which insurance company you have car insurance), whether the terms stipulate the deductible, etc.

The owner needs to pay the repair money in advance, and need to issue an invoice and a maintenance list consistent with the amount of damage, and then receive compensation.

Relevant introduction to car damage insurance: 1. Basic concept: car damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident caused by an insured accident when the insured or the driver allowed by the insured vehicle is used.

2. Preferential insurance premiums: The new clause also sets 12 levels of auto insurance rate adjustment according to the previous year's compensation record, which will be dynamically adjusted according to the previous year's compensation, and the highest level is 12 levels, and the insurance premium will be adjusted to 200%; The lowest tier is the first tier, and the premium will be adjusted to 50%.

Hello, if the car is scratched, you can take insurance, depending on the damage situation, you can take the scratch insurance or car damage insurance.

Claim process: call the insurance company's customer service** to report the case; When the insurance company's investigators arrive at the scene, they will determine the cause, nature, and damage of the accident. Then there is the process of damage assessment, the repair shop implements the price of the loss of the vehicle, and the insurance personnel and the owner sign it after no objection; Collect the required materials of the case and submit them to the insurance personnel for the claim formalities; The insurance company will be able to transfer the money to the owner's account after being reviewed by different departments.

The process of taking away insurance:

1. Scratching while driving: turn on the double flashes and place warning signs and take photos for evidence, call the police and call the insurance company first, enter the insurance procedure, assess the car damage and repair.

2. The parking lot is scratched: if the party is not found, and the scratch is serious, call the police first and wait for the traffic police to deal with it. If the scratching is not severe, start a quick claim.

3. Rubbing by driving: first call the police, call the insurance company, then the traffic police sign the accident responsibility letter, and finally go to the 4S shop to assess the damage and repair it.

2. If you need to consult Ping An Insurance-related business, you can call Ping An Life 95511-1, Ping An Auto Insurance, Property Insurance, Accident Insurance 95511-5, and Ping An Pension Group Insurance 95511-6 for consultation.

Now there are more and more cars on the road, there are more and more novices, and the drivers are getting more and more impatient, and it is normal for a little scratch to happen on the road. How to go through the insurance process after a scratch accident?

The car was rubbed and the owner took insurance, and the insurance company asked the owner to pay for repairs himself, why.

The first step: call the police, wait for the traffic police to go out and determine the responsibility, second, call the insurance company to open the third to 4s to dismantle and inspect the damage, and the fourth can be repaired after the damage is determined.

If the car is scratched, if the damage is more serious, as long as there is car damage insurance.

The insurance company usually pays the claim, and if the accident only caused damage to the paint, but the car body was not damaged, the insurance company will not pay for it. If the vehicle is scraped and the perpetrator cannot be found, the owner should call the police as soon as possible, and the traffic police should find the person responsible, and at the same time, the accident scene should be photographed in all directions, including the location of the accident, the full picture of the vehicle with a clear license plate, and the damaged parts. If the traffic police find the person responsible, the other party will compensate; If the traffic police cannot find the person responsible, the traffic police should issue an "accident liability determination form", indicating that the responsible party escaped, and then the owner can claim compensation from his own insurance company.

According to the terms of the insured car damage insurance, the insurance company can only pay 70% of the car damage loss, and the remaining 30% is borne by the car owner.

Tips: The above information is for reference only, the specific claim process, compensation amount and compensation ratio, etc., should be subject to the regulations of the insurance company, please contact the corresponding insurance company for details.

The official website shall prevail.

Scrape the car yourself, as long as the owner is insured with car damage insurance and scratch insurance, then, you can go to the insurance claim, however, because the number of vehicle insurance will affect the premium for the next year, if the vehicle scratch problem is not big, the repair cost is less than 1000 yuan, you can pay for the repair without insurance.

If the car owner does not have car damage insurance and scratch insurance, but only has compulsory traffic insurance, third-party liability insurance and other insurance, the insurance company will not pay the claim.

In the case that the car owner has purchased car damage insurance and its additional insurance, vehicle scratch insurance, as long as there are no obvious collision marks, the car body scratch car insurance company will basically compensate for the resulting body scratches. The car was rowed by itself, which is also a kind of accident.

The subject of vehicle loss insurance is the body of various motor vehicles and their parts and equipment. When the insured vehicle suffers from a natural disaster or accident within the scope of insurance liability, resulting in the loss of the insured vehicle itself, the insurer shall compensate in accordance with the provisions of the insurance contract. The insurance liability of vehicle loss insurance includes collision liability, overturning liability and non-collision liability, where collision refers to the accidental contact between the insured vehicle and external objects, such as collisions between vehicles and vehicles, vehicles and buildings, vehicles and telephone poles or trees, vehicles and pedestrians, vehicles and animals, etc., all fall within the scope of collision liability; Overturning liability refers to the fact that the insured vehicle overturns due to natural disasters or accidents, and the body of the vehicle touches the ground, causing it to lose its normal state and driving ability, and cannot resume driving without rescue.

Extended Information: Car Scratch Insurance Process:

1: It's best to take out your insurance card as soon as possible after the accident to see which insurance company is underwritten, and then report the accident and protect the first scene, 2: If you have to leave the scene because of something else after the accident, then you should remember the location of the scene before leaving, and note that there is an agreement in the insurance contract"After the occurrence of an accident that is covered by insurance, we must notify the insurance company within 48 hours, and our company has the right to refuse compensation if it causes the inability to obtain evidence", so within 48 hours must return to the place of the accident and then notify the insurance company to revisit the scene, as long as the collision marks are still new, there is generally no problem, as for the 4S shop to report the insurance is indeed more worry-free, as long as you tell him where you have to hand over the car to him, the rest of the things do not have to worry about you, and when the car is repaired, go directly to the 4S shop to copy your annual qualified driving license, driver's license and the insured's ID card, commercial insurance policy and leave it to them, and then drive away.

3: If you apply for insurance yourself, it is not a good trouble, directly call the national service of the insurance company** to inform him where your car is, for what reason hit something, it's OK, the insurance company will send someone to help you deal with it after receiving your report, but when handling a claim, you must negotiate with the insurance company's personnel responsible for claims compensation (including: price, claim documents, transfer accounts, etc.), so I suggest that the claim is best handed over to the optional 4S shop to handle.

After the car was scraped by someone else's house, keep the scene of the accident, and immediately report to the insurance company, if the third party loss is the vehicle, you need to report to the traffic police department, under normal circumstances, if you report to the insurance company, the insurance company requires the traffic police case, the insurance company personnel do not need to go to the scene to deal with it.

The old driver suggested that the vehicle should not be private after scratching, if the small scratch hurts the primer, it seems that a simple spray can be, the other party will be very low, but to the 4S shop Repair shop simple spraying will have a color difference, so the maintenance personnel generally recommend the whole piece of spraying, at this time the private money is not enough to fill the whole piece of spraying, it will be more disadvantaged.

The traffic police did not see the scene, and they did not necessarily dare to have an accident at will, indicating that because it was an accident between the two parties, the insurance company did not see the scene, and there was no accident indication from the traffic police. The insurance company will not settle the claim, and there is another way, whether you can find the car that rubs the road, if you can, see if you can negotiate with him to go to the traffic police team, and explain the situation.