How to pay for insurance after a car accident, how to pay for insurance after a car accident

How does the insurance company pay for a car accident?

The insurance claim process after a car accident is: 1. After reporting a car accident, the scene should be properly protected and reported to the insurance company in a timely manner, and the road accident should also be reported to the traffic department for processing. 2. After receiving the report, the insurance company will send someone to the scene to investigate or go to the traffic department to understand the accident, and at the same time assess the damage to the vehicle, estimate the reasonable cost, and notify the owner to go to the repair shop designated by the insurance company to deal with the accident vehicle.

3. After the total loss of the insured vehicle, if the insured amount is equal to or lower than the actual value at the time of the accident, the insured amount will be compensated. In the event of a total loss of the insured vehicle, if the insured amount is higher than the actual value at the time of the accident, compensation will be made according to the actual value at the time of the accident. Fourth, part of the loss of Tonglao insurance vehicle partial loss, the insured amount reaches the actual value of the underwriting, regardless of whether the insured amount is lower than the actual value of the insurance, part of the loss will be compensated according to the actual repair costs; If the insured amount of the insured vehicle is lower than the actual value of the insurance, the repair cost will be compensated according to the proportion of the insured amount to the actual value at the time of the accident.

The maximum amount of compensation for the loss of the insured vehicle is limited to the insured amount. 5. Within three months from the date of the repair of the vehicle or the conclusion of the car accident case, the policyholder shall go to the insurance company to receive the compensation with the insurance policy, accident handling certificate, accident mediation letter, repair list and other relevant certificates. Article 16 of the Compulsory Insurance Clause for Motor Vehicle Traffic Accident Liability In the event of a traffic accident involving an insured motor vehicle, the insured shall take reasonable and necessary rescue and protection measures in a timely manner, and notify the insurer in a timely manner after the accident occurs.

Before buying and selling second-hand cars, you must check the condition of the car (4S maintenance and skin maintenance records, insurance claims records, etc.). Click on my return avatar to see the introduction, and take you to learn more about the way to inquire about the vehicle condition!

1. Report the accident After the accident, the customer reports to the insurance company's claims department; After receiving the report from the auto insurance company, the customer will be required to fill in the "Business Accident Registration Form" immediately after receiving the report; The insurance company's in-house office will then immediately inspect and copy the policy copy and copy the policy, policy copy and schedule according to the car insurance certificate or policy number provided by the customer. Confirm that the reinsurance subject is within the validity period or before the special payment of the insurance subject, and require the customer to fill in the "Insurance Case Filing Inquiry Form", file the case (such as **, fax, etc., the inspector is responsible for requiring the customer to fill in), and prepare the case filing number in the order of reporting; After the case is filed, the relevant claim documents will be issued to the insured, and the claim procedures and methods will be informed (**, fax, etc., the inspector shall be responsible for the report); The inspector is then notified to report the damage and the location of the accident. 2. Survey and damage assessment The inspectors shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice of the insurance company (the inspection of the damaged subject in the field can be entrusted to the local insurance company to complete it within 3 working days); 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 The business department and the internal staff of the insurance branch company 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. After sorting out the claim documents and the information on file, submit them to the Claims Verification Department of the Property Insurance Department. 4. Adjustment and review After receiving the information handed over by the internal staff, the manager of the claim verification department will review it, and sign on the handover book if the documents and procedures are complete; All claims must be settled within 3 working days and submitted to the person in charge of the claims department for review. 5. Examination and approval: The claims within the authority of the property insurance department shall be submitted 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 person in charge of the Compensation Section will submit the compensation receipt and calculation book to the financial transfer with the number of the claim case that has completed the approval procedures; After the financial department confirms the compensation, except for the red copy of the compensation receipt and the calculation book, the rest will be recovered.

Click on my avatar to see the introduction, and take you to understand the car condition inquiry method! Professional query [accident accident record], [4S maintenance record], etc., the data is accurate, and the report is issued in seconds! One-click check for bad car conditions such as accident cars, soaking cars, meter adjustment cars, and fire cars!

How to compensate for car accident insurance: If the damage caused by a traffic accident of a motor vehicle is the responsibility of one of the parties to the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate within the liability limit of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.

Legal basis] Article 23 of the Regulations on Compulsory Traffic Insurance of Motor Vehicles.

Compulsory liability insurance for motor vehicle traffic accidents implements a uniform liability limit nationwide. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

Article 1213 of the Civil Code of the People's Republic of China.

If the damage caused by a traffic accident of a motor vehicle is the responsibility of one of the parties to the motor vehicle, the insurer underwriting the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.