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Now the accident has happened. The traffic police have ruled that the right-turning vehicle is fully responsible. At the same time, the right-turning vehicle is insured for damage. The vehicle needs to be repaired.
1. When assessing losses. There is no need to spend damage assessment fees. Inform your insurance company later.
You can drive the car directly to the four-S store. Then the four-s shop. Your insurance company will be contacted.
Conduct a damage assessment. Of course, you have to be present when you assess the damage. Know which parts need to be replaced and which ones need to be repaired.
After the damage assessment is completed, the car will be repaired. The insurance company must also agree to this loss assessment. After the car is repaired.
Some of the big insurance companies. There is no need for you to pay for it personally. She bills your insurance company directly.
However, there are some smaller insurance companies that still require you to pay for the repair of the car yourself. Then get the invoice and go to the insurance company for reimbursement. The cost of the repair will be credited to your bank card in about a week after you submit the invoice.
2. About whether it can be put. The previous paint loss area was also completed at the same time. It depends.
You are now scratching the left headlight part. Chances are: Your bumper will need to be painted throughout. Then you turned to the right side of the bumper.
There is also melon tea. Where the paint is off, this spray paint will directly paint the entire bumper for you. So it's up to what you said, and the items other than the previous accidents are also painted.
But if you're touching the front bumper this time and you're going to paint the rear bumper, that's not going to work. The insurance company could not agree.
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Yes, but you need to pay for the dismantling in the 4S shop, and the large insurance company also needs the repair details and invoices of the 4S and the old parts. You can only make a claim if you provide these, and you still need to take photos in 4s after repair, and you can't go to other repair shops to repair them. You can only go to the shop where the damage is assessed.
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For the traffic accident treatment is required to be identified by the traffic police, if it is repaired through insurance, it can only be repaired for the damage caused by the accident, and there is no obligation to bear the corresponding responsibility outside the accident.
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It depends on whether there is car damage insurance, if not, no.
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You can fix it yourself. However, it must be chosen according to your own wishes after the insurance company has assessed the loss. For example, if after a motor vehicle accident, the insured does not notify the insurance company to jointly check the property damage, and the owner finds someone to repair the damaged property, then there may be such a problem, the insurance company may think that the place where you repair is not caused by the accident, and the insurance company will refuse to compensate for the property damage that is not caused by the traffic accident.
Extended Materials. 1. Note: The damage must be assessed before repair.
1.According to the "Commercial Insurance Clause for Motor Vehicles" implemented in 2021, whether it is a traffic accident that causes damage to one's own vehicle or damage to a third party's property, the insured is required to inspect with the insurer before repair, and negotiate to determine the maintenance organization, repair items, methods and costs.
2.If it cannot be determined through negotiation, the two parties shall entrust a mutually recognized qualified third party to conduct the assessment. If after the motor vehicle accident, the insured did not notify the insurance company to jointly check the property damage, and the owner found someone to repair the damaged property, then, there may be such a problem, the insurance company may think that the place where you repaired is not caused by the accident, for the property damage that does not belong to the traffic accident, why should the insurance company compensate?
Or the replacement parts, obviously can be used domestic, but the imported ones are used, obviously only need to replace the low-quality parts, but replace the first-class parts. In other words, the part damaged by the traffic accident only needs to be repaired, but you replace it, the repair cost is low, the replacement is high, and the insurance company is not responsible for compensation for the enlarged loss.
Second, the standard of damage assessment.
1.The vehicle damage assessment standard is through the State Price Bureau.
provisions, unified nationwide.
2.Once the insured's car is in an accident, there is a special damage assessment department to evaluate the accident, but the insured must report to the insurance company within 24 hours.
3.If the second accident occurs because the policyholder fails to report the accident within the specified time, the insurance company will not accept the application for such an accident claim.
4.Whether the insurance company's loss assessment process is consistent with the standard of the insurance adjuster depends on the specific situation, and it is generally the same.
5.If the insured has an accident with his vehicle, as long as he notifies the insurance company in time, the insured can go to the repair shop for repair after the damage is assessed.
6.The standard of vehicle damage assessment is determined according to the price of the car and the type of insurance insured, if the insured is fully insured, then once the vehicle has an accident, the insurance company will compensate for the loss caused by the car 100%.
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So I hope you can pay attention to it, because these things are very important to us. And it is also closely related to our lives, only if we pay attention to it, we can really avoid this kind of impact, in order to maximize our own interests, so I hope you can be cautious.
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The insurance company may not fully report the cost of repairing a car like this, but it will quote a relatively high percentage, about 90%.
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The insurance company will reimburse all the costs of repairing the car, because that's what the insurance company's role looks like.
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This is not the case, and in the event of a major accident, compensation will be paid according to the person who is primarily responsible.
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Since the cost of repairing the car is borne by the insurance company, you should follow the arrangement of the insurance company and go to the designated repair shop for repair.
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This needs to be based on the insurance regulations signed between you and the insurance company, if it is stipulated in the insurance regulations that after a traffic accident, you can only repair your car at a designated repair shop, then you can only go to a designated repair shop for repairs.
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Yes. You should listen to the insurance company, because then you will be reimbursed a lot of money, and you will save a lot of money.
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Actually, it should be, because only then will your insurance be effective.
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There are standards for replacement and maintenance, and it depends on the degree of damage to the vehicle and whether it meets the replacement standard.
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Car insurance can require a replacement rather than a repair. Car insurance. It is not possible to replace two, repair.
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Introduction: Every car is insured with a vehicle.
But there are people whose vehicles have an accident after which he has only one car and no other means of transport.
He asked the insurance company if it could provide him with temporary transportation. So should the insurance company provide transportation to the owner during the repair of the vehicle in an accident? Most of the time it is not needed.
1. What does the insurance company cover? If the insurance company provides the owner with a temporary vehicle, it depends on whether the owner's insurance includes this, if the owner's insurance covers only a simple vehicle repair, then the insurance company will not provide the owner with a temporary vehicle, now the insurance company is only responsible for the compensation of the traffic vehicle, and the party that provides the temporary vehicle for the owner is not the turn of the insurance company, if it is not the traffic problem of the owner, then the other party who caused the accident can provide transportation for the owner, Insurance companies are not obligated to provide admissions tools.
2. Who will bear the transportation expenses incurred by renting a car or taking a taxi because the vehicle cannot be used due to an accident? The reason for this depends on who is responsible for the traffic accident. If the party responsible for the traffic accident lies with oneself, then no one has to bear the temporary transportation expenses caused by the traffic accident, only oneself, but if the main responsibility for the traffic is the other party of the perpetrator, not oneself, the perpetrator can be required to provide temporary transportation for oneself, and the insurance company is only responsible for helping the two transportation compensation and cost agreement.
Third, traffic safety issues no one wants to crash into the garage, so no matter who compensates for this temporary means of transportation, as long as there is no traffic accident, that is the best, which requires everyone to pay attention to safety issues to avoid traffic accidents, traffic safety issues need to improve their traffic safety awareness, abide by traffic rules, drive in accordance with the provisions of the traffic law, drive politely, drive in a civilized manner, pay attention to avoid in the process of driving, and ensure the safety of themselves and the public.
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The insurance company is not obligated to provide transportation for the vehicle owner. The insurance company only signs an insurance contract with the car owner, and is only liable for compensation in the event of an accident with the vehicle.
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It is not necessary to provide transportation to the car owner, because the insurance company only settles the claim and has nothing to do with other items, so it should not be provided.
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The insurance company has no obligation to do so, unless there is such a clause in the insurance you have bought.
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Whether or not it is fully insured is mainly related to the division of accident liability.
1. The cost of repairing the car in a traffic accident shall be compensated by the insurance company according to the liability of the traffic police, and the compensation for car damage is related to the division of responsibility.
2. After the traffic accident, the advance compensation is the compulsory traffic insurance, the compulsory traffic insurance is only divided into responsibility and no responsibility, after the compulsory traffic insurance is paid, the property can be used commercial insurance.
3. The car damage in the commercial insurance is repaired by itself, and the three responsibilities of the commercial insurance are repaired to the other party.
For this situation, first of all, don't panic, and choose to call the police as soon as possible. The first time is to shoot ** and keep the evidence, so as to prevent the other party from admitting the account. Find out whether the other party's car is insured or not, and if there is no insurance, make another plan. >>>More
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Compulsory traffic insurance must be purchased, and ordinary commercial insurance can freely choose whether to buy it. If you don't buy compulsory traffic insurance, if the traffic police find it, one is to detain the car, the other is to pay the compulsory traffic insurance, and the third is to double the compulsory traffic insurance premium. >>>More
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