Fast claims processing process for traffic accidents

The car accident insurance claim process includes the following steps: reporting, investigation and damage assessment, signing and reviewing the claim documents, adjustment and review, approval, and settlement of compensation

1. Report the accident After the accident, the customer reports to the claims department of the insurance company; After receiving the report from the auto insurance company, the customer will be asked to fill in the "Business Accident Registration Form" immediately after receiving the accident.

2. The survey and damage assessment personnel shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice from the insurance company; Require the customer to provide the relevant documents; Instruct the client to complete the relevant claim documents.

3. Sign for the review of the claim documents of the business department and the internal staff of the insurance branch to review the claim documents submitted by the customer, and return the documents to the customer after explaining the documents that need to be submitted after the procedures are incomplete, and the compensation case with complete documents should be returned to the insured after signing on the "insurance report (claim) (in duplicate)"; After sorting out the claim documents and the information on file, submit them to the Claims Verification Department of the Property Insurance Department.

4. All claims must be adjusted and reviewed within 3 working days and submitted to the person in charge of the Claims Section for review.

5. Approve the claims within the authority of the property insurance department and submit them to the manager in charge of claims for approval; Step-by-step reporting of the authority of the over-property insurance department.

6. Settlement of compensation.

The expedited traffic accident claims process is:

1. In the event of a minor traffic accident, after checking the documents of each other, immediately evacuate the scene, move the vehicle to a location that does not obstruct the traffic, and report directly to "122"**, or to the respective insurance company;

2. The parties fill in the on-site record of the rapid handling of the accident or handwrite the case information, and both parties sign or ask both parties to send text messages to each other for confirmation;

3. After receiving the report, for the minor road traffic accident that occurred within 2 kilometers of the diameter of the newly established fast compensation service point, from 7:30 to 18:30.

Notify the nearest quick compensation service point to the claims adjuster to rush to the accident vehicle parking place within 5 minutes for investigation and processing, on-the-spot investigation, and complete the processing within 10 minutes;

4. If the losses of all parties are less than 500 yuan, the claims adjuster shall go through the claim procedures on the spot after the on-site investigation and damage assessment, and if the losses of all parties are more than 500 yuan and less than 5,000 yuan, the claims adjuster shall further verify the losses after the on-site investigation, and inform the parties to jointly agree on the time to go to the fast compensation center within 24 hours.

1. If there is a minor traffic accident between two vehicles, both parties should stop immediately and turn on the double flashing lights, and then get out of the car to check the damage of the vehicle.

2. After inspecting the loss of the vehicle, the parties should check each other's documents, including driver's license, driving license, as well as compulsory traffic insurance signs and vehicle inspection marks.

3. If the two parties cannot determine the responsibility, they can collect evidence, such as taking pictures, or marking the location of the vehicle with chalk.

4. The two parties will drive the car away or move the car to a position that does not affect the normal driving of the road, and then negotiate the accident responsibility, fill in the fast processing form, and report to the insurance company.

5. In accordance with the responsibilities negotiated by both parties, the non-responsible party shall go to the insurance company of the responsible party to handle the relevant matters of insurance claims.

2. What are the skills for quick settlement of traffic accidents?

1. First of all, we must find out 5 basic conditions. Traffic accidents, 90 are traffic accidents with no personnel and small property losses, and rapid claims greatly simplify accident handling and claim procedures. If you want to settle claims quickly, you must also not collide with public facilities such as water, electricity, communications, and road traffic; And the vehicle procedures of both parties are complete.

2. Whose responsibility should be distinguished. When one party commits one of the following acts: rear-ending, wrong-way driving, reversing, slipping, opening and closing the car door in violation of regulations, violating traffic signals, failing to yield in accordance with regulations, and other behaviors that should bear full responsibility according to law, and the other party does not have the above acts, some parties bear full responsibility for the traffic accident.

Claim settlement is the specific embodiment of the insurance company's execution of the insurance contract, the fulfillment of the insurance obligations and the assumption of insurance liability. Only when the claims settlement work is done well can the insured be compensated for their losses, the function of insurance can be brought into play, the smooth operation of social reproduction and the normal stability of people's lives can be guaranteed, and the credibility of the insurance company can be improved. After the accident occurs, the accident responsibility can be delineated on the spot does not need to wait for a long time, the faster the accident responsibility is determined, the faster the claim will be settled.

Hello, after a traffic accident, the first time to call the police, by the traffic police to determine the responsibility for the accident, the traffic accident vehicles and items, handed over to the traffic police department for unified custody. No matter what city the accident occurred in or when it happened, be sure to notify the insurance company. After receiving the notice, the insurance company will promptly dispatch surveyors to conduct on-site investigations.

The investigator will divide the responsibility according to the accident scene and determine the proportion of the compensation payment. It is worth reminding that all parties should be present when the accident vehicle damage assessment is carried out. When all the work is done, the accident vehicle can be sent to the repair shop for repairs.

Under normal circumstances, the results of road traffic accident vehicle damage assessment will be available within 7 working days after the accident. According to the repair invoice provided by the owner, plus the damage assessment form, the insurance company will compensate accordingly.