How many ways are there to make a claim for car insurance?

Car insurance is easy to buy but difficult to claim, many car owners will make such an exclamation after buying car insurance, and if you buy car insurance through a formal insurance platform before, then it is relatively easy to settle claims in the later stage. How many ways are there to make a claim for car insurance?

Although the current car insurance claims methods of major insurance companies are different, in general, the car insurance claim process is roughly as follows:

1.Reporting: Generally, insurance companies require that a police report be made within 48 hours of the incident. This is related to whether the car owner can enjoy the claim service, and the sooner or later the time of reporting the case will also directly affect the speed of the claim time.

2.Survey and damage assessment. The staff of the nearest insurance company outlet where the accident occurred will conduct an inspection and damage assessment, which is the key to the settlement of claims.

3.Verify the price and check the loss.

4.The policyholder submits the claim information to the insurance company's outlets, and the staff uploads the information to the auto insurance claim management system.

5.The claims adjuster will review, adjust, and verify the claim from the time of receipt of the materials.

6.The policyholder can receive the claim at the nearest branch or transfer the claim. In order to facilitate your later claims, it is recommended that you try to choose auto insurance through a formal insurance platform.

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A car claim is when the car owner goes to the insurance company to settle the claim after the car has been involved in a traffic accident. The basic process of claim settlement includes: reporting, investigation and assessment, receipt and review of claim documents, adjustment and review, approval, compensation settlement, etc.

1. Coverage of auto insurance claims.

The scope of claims varies depending on the car insurance policy

1. Third party liability insurance:

The insurer will compensate the insured in accordance with the relevant provisions of the insurance contract for the amount of compensation that shall be paid by the insured in accordance with the law for the accident that occurs in the process of using the insured vehicle and causes the third party to suffer direct personal or property losses caused by the third party. At the same time, if the insurance company agrees in writing, the insurance company shall bear the arbitration or litigation costs incurred by the insured.

However, the aftermath of the accident needs to be handled by the insured. The insurance company will pay you up to 30% of the limit of liability.

2. Vehicle loss insurance:

In a unilateral accident, the insurance company is liable for compensation when the insured person's vehicle causes damage;

3. Insurance for people on board:

In the process of driving, the insurance company shall be liable for compensation when the driver or passenger on the vehicle is injured due to various accidents;

4. Whole car theft insurance:

The insurance company shall be liable for compensation when the vehicle is stolen, robbed and other criminal cases for losses;

5. Body scratch insurance:

When there are no obvious signs of collision, the insurance company will compensate for various scratches on the appearance of the vehicle;

6. Separate glass breakage insurance:

When there are no obvious signs of collision, the insurance company will compensate when each glass is damaged separately;

7. Excluding the deductible clause:

In the above commercial insurance part, the insurance company sets an insurance compensation limit to avoid the moral hazard of each policyholder, with a maximum compensation of 80% of the actual loss, and if the insurance is not deductible, you can get full compensation.

2. Auto insurance claim process.

1. The driver (insured) shall report to the insurance company within 24 hours, and carefully fill in the "Notice of Claim for Motor Vehicle Insurance" and sign it.

2. Inform the insurance company of the location of the damaged vehicle in time, so as to investigate and assess the damage of the vehicle.

3. When dealing with accidents in accordance with the provisions of the "Measures for the Handling of Road Traffic Accidents", the compensation for property losses shall be subject to corresponding billsVoucher.

4. After the vehicle repair and accident handling are closed, the information required for handling insurance claims:

The original and photocopy of the motor vehicle insurance policy and endorsement;

Notice of motor vehicle insurance accident and claim;

Copy of driving license and driver's license;

Indemnity receipts.

Car owners should follow the following basic processes when making a claim: 1. Present 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; 7. Fill in the details of the accident; 8. Fill in the contact between the reporter and the driver** in detail; 9. Check the appearance of the vehicle, take photos and assess the damage; 10. The claims adjuster leads the owner to conduct a visual inspection of the vehicle; 11. Take photos and verify the damage according to the content of the report filled in by the car owner; 12. The claims adjuster reminds the owner of the vehicle whether there are valuables on the vehicle; 13. Deliver to the maintenance station for repair; 14. The claims adjuster issues a task order to determine the maintenance items and maintenance time; 15. The owner signs and approves; 16. The owner will hand over the vehicle to the maintenance station.

Vehicle insurance, i.e., motor vehicle insurance, abbreviated as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles. Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles.

At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.

When a vehicle accident occurs, you must first report to the insurance company, and the insurance company will conduct on-site investigation and damage assessment, and then you are ready to submit the information, and after passing the review, you can receive the insurance company's claim amount. Of course, there are many types of vehicle insurance, and the scope of claims varies depending on the type. For example, in vehicle damage insurance, the insurance company will compensate the insured vehicle for the loss of the vehicle caused by an accident or natural disaster; Third-party liability insurance, in the event of a vehicle accident, the insurance company shall pay for the personal or property damage of a third party; Body scratch insurance, due to an accident caused by the insured vehicle scratches, by the insurance company to pay.

Legal analysis: There are two ways for an insurance company to settle a claim to the policyholder in accordance with 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 of 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.

Legal basis: "Insurance Law of the People's Republic of China" Article 2 The term "insurance refers to insurance" in this law refers to the commercial insurance behavior in which the policyholder pays insurance premiums to the insurer in accordance with the contract, and the insurance Jiling person bears the responsibility of compensating for the property losses caused by the occurrence of the accident that may occur as agreed in the contract, or bears the responsibility of paying the insurance money when the insured dies, is disabled, sick or when Nian Feng meets the age, time limit and other conditions agreed in the contract.

Zhongbao Car Club is here to answer your questions

There is no limit to the number of times you can make a claim for car insurance, as long as it is within the coverage period.

Many people have this misconception: every time you apply for a claim, the sum insured is not cumulative, and once it is used up, it cannot be claimed again.

In fact, this statement is wrong, there is only one type of insurance for the cumulative compensation of the sum insured, that is, scratch insurance, the general insurance amount of scratch insurance is about about the amount of insurance, and the amount of insurance paid each time will be cumulative, and if it is used up, it will no longer be paid.

However, the insured amount of other types of insurance is the upper limit of a single claim, for example: Lao Wang bought 1 million insurance for the three and went out of insurance twice, and each claim will be paid in full as long as it does not exceed 1 million (no deductible will be counted if it is bought).

There is also a situation where the insurance contract will be terminated after the insurance is paid, that is, after the car is scrapped, if an accident occurs that causes the subject matter to be completely scrapped, the insurance contract will be terminated, and the insurance company can return the three insurances.

Zhongbao Car Club, accompany you all the way to travel safely!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Unlike other insurances, the claims settlement process of auto insurance has its own distinctive characteristics. (1) The group of insureds is universal, and the insureds of China's auto insurance can be people from all walks of life, and they have too little knowledge of insurance, traffic accident handling, vehicle repair, etc. This requires the insurer to pay attention to choosing the correct communication method in the process of claim settlement, so as to ensure that the insurance benefits enjoyed by the insured are realized.

2) The frequency of losses is high, and the frequency of insured accidents is high. This requires insurance companies to have a large investment in manpower and capital. In addition, the uncertainty of the location and time of vehicle accidents requires insurance companies to have a well-functioning service system to support claims services, and establish a strong acceptance mechanism and high-coverage network system.

3) Restricted by auto repair shops, repair shops are of great significance in the settlement of auto insurance claims. It determines the repair**, the duration and the quality. Therefore, it is essential for the insurance company to have a good repair department.

4) Guaranteeing the realization of the process of social reproduction: insurance guarantees the restoration of the object destroyed in the course of the accident to its original effect. The business policy of automobile insurance companies is to collect insurance premiums, accumulate insurance** and use it to support economic construction and stabilize people's lives. Second, the principle of auto insurance claims, auto insurance business volume, high frequency, coupled with the strong technical and wide range of claims work, the situation is also more complicated.

How to better implement the insurance business policy, improve the quality of claims settlement, and fully safeguard the legitimate rights and interests of the insured is the key to doing a good job in auto insurance claims. Therefore, the following principles must be adhered to in the work of auto insurance claims.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"