Should I take insurance for a small bicycle accident, and how to take insurance for a car accident?

The next year's premium has been paid.

It's just that the list has come out.

Then it will affect your premium for the following years.

Commercial insurance appears 1 time in 1 year and 2 times out of insurance is a **.

3 times is a **.

According to the discount.

If you report it.

It is the premium for the following year.

If you report the case, you will get a 9% discount the year after tomorrow.

If you don't report the crime, you will get a 20% discount the year after.

Based on your premium of 4000.

A discount point is around 400.

You reported the crime and paid you 400

If you don't report the crime, the discount is also 400

Obviously, it's worth as much to you.

And you have the opportunity to report the crime again after you report it.

And the discount rate remains unchanged at 9% off.

Who can guarantee that you will not be insured again until you buy insurance the year after then?

So don't think about it.

Of course, you have to report the crime.

Again, you're asking about a repair shop on the street.

If you report the crime, you can go to a better shop to fix it.

The repair cost is quoted by the insurance company.

Of course, I have to go to a good place to fix it.

As you say.

The bumper needs to be completely replaced, or at least repainted.

At least the color difference of painting in a good repair shop will be smaller.

Therefore. Report the case immediately.

Hahaha. Earn and don't lose.

If you change insurance companies in the second year, as long as you are responsible for the insurance, it will affect the premium! It is recommended that if it does not affect it, put it aside first, and repair it by the way when others are fully responsible in the future, or buy the second year's insurance early, and then use the gap to go to Shura.

Report a bicycle accident directly to the insurance companyAfter receiving the report, the insurance company will inquire about the situation, provide materials according to the requirements of the insurance company, and then go to the designated damage assessment center to assess the damage, and the car can be repaired after the damage assessment is completed. A unilateral accident refers to a unilateral traffic accident that does not involve injury (death) or damage to a third party's property.

For example: collision with external objects, their own vehicle damage, but the external objects are not damaged or do not need to be compensated) accident handling and insurance claim procedure unilateral accident is the most common type of accident, because it does not involve the damage of a third party, only causes damage to the insured vehicle, and the accident liability is fully responsible for the insured vehicle, so the accident handling is very simple.

Provisions. Article 13 of the Provisions on Procedures for Handling Road Traffic Accidents: In the event of a property damage accident between a motor vehicle and a motor vehicle, or between a motor vehicle and a non-motor vehicle, the parties concerned may negotiate and deal with the compensation for damages on their own.

Where the vehicle can be moved, the parties shall, on the basis of ensuring safety, take photographs of the scene or mark the location of the accident vehicle, immediately evacuate the scene, move the vehicle to a location that does not obstruct traffic, and then negotiate the occurrence of a property damage accident, and have any of the circumstances in items (2) through (5) of the preceding paragraph.

If the vehicle can be moved, the party may, after calling the police, take pictures of the scene or mark the parking location under the principle of ensuring safety, and hand over the vehicle to a place that does not obstruct traffic and wait for processing.

Stay at the scene, call the report ** to report the case, and the company's compensation personnel will come over to repair the car after assessing the damage. After repairing, go to the insurance company for reimbursement of the cost or entrust the repair shop to deal with it.

If the unilateral accident is not serious, it will not affect the use of the car, you can report multiple injuries to a repair, first call the insurance company to report, and then assess the damage, repair the car and finally find the insurance company to make a claim, if your maintenance point has cooperation with the insurance company on you, then you will not be so troublesome, directly take a taxi and put it there, they are a one-stop service for damage assessment and maintenance, and it is okay to report the case and let them do it.

The people of the insurance company are particularly dark, if you are a novice, after any accident, first give the car repair ** consultation what to do.

Then call the insurance company depending on the situation.

If the vehicle has an accident, if you do not report it to the insurance company on the spot, you can only report the accident to the insurance company, and then you can only report the accident to the insurance company.

A single-vehicle accident refers to a traffic accident in which the parties to the accident are only the motor vehicle and there are no other parties to the accident. In the motor vehicle insurance relationship, a single vehicle accident also refers to a motor vehicle accident in which the opposite party cannot be found.

Bicycle Accident Insurance Claims:

If you want to make an insurance claim for a bicycle accident, the vehicle must be insured with relevant insurance. At present, among the types of commercial insurance, only those insured do not have deductibles.

of car owners can be covered for a single vehicle accident. For a collision between a blind vehicle and other objects or a single-vehicle accident caused by the vehicle itself, the owner should report the accident in time after discovering the accident, and the insurance investigators will investigate and take pictures of the scene and settle the claim in accordance with the claims procedures of each company.

For single-vehicle accidents that cannot be found by the culprit, it is necessary to go to the public security organ first.

After making a report and obtaining a bicycle accident certificate from the public security organ, the claim can be settled in accordance with the claims procedures of each company.

Regulations on the procedures for handling road traffic accidents.

Article 13: Motor vehicles and motor vehicles, motor vehicles and non-motor vehicles.

In the event of a property damage accident, if the parties have no dispute about the facts and causes, they may negotiate to deal with the matter of compensation for damages on their own.

Where the vehicle can be moved, the parties shall, under the principle of ensuring safety, take pictures of the scene or mark the location of the accident vehicle, immediately evacuate the scene, move the vehicle to a location that does not obstruct traffic, and then negotiate the occurrence of a property damage accident, and have any of the circumstances in items 2 through 5 of the preceding paragraph, where the vehicle can be moved, the parties may, after calling the police, take pictures of the scene or mark the parking location under the principle of ensuring safety, and hand over the vehicle to a location that does not obstruct traffic to be processed.

Have a free consultation!

The car insurance claim process of different insurance companies may be different, the specific claim process, compensation amount and compensation ratio shall be subject to the regulations of the insurance company, please contact the customer service of the underwriting insurance company for details.

Bicycle accident claims, after the accident first call the police and contact the insurance company, after the traffic police issue a letter of responsibility and damage assessment is completed, the vehicle is normally maintained, if there are personnel, first and aftermath. After everything is done, go to the insurance company to make a claim, you need to bring the following information:

1. Accident identification.

2. The driver's license of the insurer.

3. Motor vehicle driving license.

4. Original insurance policy.

5. Maintenance invoice (vehicle maintenance is generally settled directly by the insurance company and the 4S shop, and in most cases does not need to go through the car owner).

6. ID card of the insured.

Prepare these documents and you can go to the insurance company to make a claim.

Cheyumachi: How does insurance work?

**Report to the police and the insurance company, if there is no deductible option in the liability insurance of the three, the compensation will be based on the unilateral accident car damage.

Call the police first. Then ask the police to issue an accident ticket. Then call ** to report insurance. Then start the loss assessment. Maintenance. Then go. Reimbursement at the time of reimbursement

If you don't call the police for a single car accident, you can take insurance, which depends on the situation. If the owner of the car has a bicycle accident and is in a hurry to leave the scene, or the remote survey personnel can not arrive in time, the owner of the accident should contact the insurance company in time and obtain consent before leaving, but must leave evidence at the scene, and it is best to use your own mobile phone or camera to take pictures of the scene in detail, so as to provide convenience for the follow-up compensation for the delay in the shed. Otherwise, the insurance company may refuse to accept the claim.

Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 3 The term "compulsory liability insurance for motor vehicle traffic accidents" mentioned in these Regulations refers to the compulsory liability insurance in which the insurance company compensates the insured motor vehicle for the personal and property losses caused by road traffic accidents other than the insured and the victims within the liability limit.

Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law.

If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 22 In any of the following circumstances, the insurance company shall pay the rescue expenses in advance within the compulsory insurance liability limit of motor vehicle traffic accident liability, and shall have the right to recover compensation from the victim:

1) The driver has not obtained driving qualifications or is intoxicated;

2) The accident is caused during the theft and robbery of the insured motor vehicle;

3) The insured deliberately creates a road traffic incident.

In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.