Car accident insurance process, what is the car accident insurance process

After a traffic accident, the insured should call 110 in time and request the traffic police to deal with it; secondly, call the insurance company and wait for the rescue and investigation of the insurance company; If it is close to the business outlets of the insurance company, you can also report to the insurance company directly;

If the insurance company cannot arrive at the scene in time, it can negotiate with the accident investigator or damage assessor of the insurance company according to the accident handling form of the traffic police, so as to ensure that it can be dealt with in a timely manner.

After reporting to the relevant authorities, the insured shall prepare the original policy within the validity period, the insured's ID card, the driving license of the insured vehicle that has passed the annual inspection, the driver's license of the driver at the time of the accident, the accident certificate issued by the traffic management department, the list of losses caused by the accident, and the relevant expense documents and other materials;

Then wait for the insurance company to assess the damage; The claim documents are then submitted within 10 days; Finally, the insurance company will notify you to collect the payment.

If you want to apply for insurance after a car accident, you should also follow the process, and let's understand what the insurance process is like for car accidents?

1. Insurance. If you want to apply for insurance after a car accident, the first thing you need to do is to apply for the insurance claim process, whether it is a car crash or a car crash, and other situations, you should apply for the insurance claim process first.

2. Report the case. After a car accident, you should report the case as soon as possible within 48 hours, not only to the insurance company, but also to the public security organ.

3. Survey and deal with the site. After the traffic police and insurance company personnel arrive at the scene, they should mark the accident and move the vehicle to avoid affecting traffic.

4. File a claim. After the insurance company personnel arrive at the scene of the accident, the car owner can file a claim with the insurance company, and the insurance company will investigate the entire accident. If it is indeed an insurance liability, the insurance company will also take the next step.

5. Damage assessment. Depending on the severity of the crash, the damage to the vehicle is assessed.

6. Submit claim materials. After the materials are handed over to the insurance company, the staff will review them, and the insurance company's personnel can transfer the compensation to the insured's bank card after the review is passed.

7. Receive compensation. Receiving compensation according to the content of the insurance contract and the damage caused in the car accident completes the entire process of reporting insurance for the car accident.

The car accident insurance process is as follows:

1. To report the case, the insured should report to the insurance company within 48 hours after the incident, fill in the insurance registration form and case filing inquiry form, and notify the inspectors in time to report the loss and the location of the accident;

2. Survey and damage assessment, the inspector Tong Dou personnel carry out on-site investigation and inspection work, and the insured Hu Ye provides relevant documents;

3. Sign for the review of the claim documents, and the staff of the sales department review the claim documents submitted by the insured, and submit them to the Claims Department of the Property Insurance Department after the review is passed;

4. Adjustment and review, and the Claims Verification Department reviews the document procedures;

5. Examination and approval, the head of the property insurance department shall approve and report if the authority of the property insurance department is exceeded;

6. After the compensation is closed, the compensation number of the reimbursement department will be handed over to the financial department after approval, and the financial department will do the grinding door to confirm the compensation, except for the red copy of the payment receipt and the calculation book, the rest will be recovered.

In the first case, you accidentally hit someone else's car, but it only caused damage to the vehicles of both parties, and there were no people**. At this time, you don't need to call 112 to call the traffic police, but you have to call the person of the car insurance company **, and call the staff of the car insurance company to come over to assess the damage of the other party's vehicle, and after the damage is assessed, you will know how much money you will probably compensate the other party, and the personnel of the car insurance company will give you a damage assessment order, and the repair party will also issue you an invoice. You have to use your own money to pay for the repair of the vehicle first, and then take the damage assessment and invoice to the insurance company for reimbursement.

Once you've dealt with the vehicle you've hit, you'll have to follow the same procedure for your own vehicle.

Extended Material: In the second case, someone else crashes your car, but there are no people**.

At this time, you can directly ask the other party whether they have bought the vehicle three insurance, if the other party buys, let him pull your car to the 4S shop to repair it, and try to replace it with a new one, and repair it if it can't be replaced. If the other party does not apply for vehicle insurance, you can call ** to the 4S store to ask how much it costs to replace your car, and then directly ask the other party for the corresponding compensation. If the other party is not satisfied with this price, you call 112 to call the traffic police to come and pull the other party's car back to the traffic police station first, and then file a lawsuit against the other party, and the court will decide the compensation for the traffic accident.

The vehicle that occurs after the collision must stop immediately, and the party must protect the scene, rescue the injured and property (the location should be marked when it must be moved) and immediately call the 122** police to wait for treatment.

After receiving the report, the public security traffic police department sent personnel to the scene to rescue the injured and property, investigate and collect evidence, and restore traffic.

After on-site investigation, if it is not a road traffic accident, the public security traffic management department shall make a conclusion on the non-road traffic accident and serve it on the parties, and the parties shall file a civil lawsuit with the people's court; If it is a road traffic accident, the public security traffic management department shall file a case for investigation.

The public security traffic management department shall, as needed, inspect or identify the traffic accident vehicles, articles, corpses, the physical and mental state of the parties and the relevant road conditions.

The public security traffic management department notifies the family of the deceased to handle the funeral matters within 10 days from the date of the accident, and notifies the parties and their units or the owner of the motor vehicle to prepay the rescue medical expenses and accident liability deposit of the injured, and if they do not prepay, the vehicle will be temporarily detained until the accident is closed.

After ascertaining the cause of the accident, the public security traffic management department shall make a determination of responsibility for the accident in accordance with the law. If the parties are not satisfied, they may apply to the legal department of the detachment for a new determination within 15 days of receiving the determination of responsibility; The detachment's legal department shall make a re-determination within 30 days after acceptance. The decision to re-determine the responsibility for traffic accidents is final.

Hello dear! 1. Accident report: After the occurrence of an insured accident, you need to call the insurance company immediately to report the accident**, and the staff of the insurance company will arrange the corresponding personnel to investigate and assess the damage at the scene; 2. On-site investigation:

After receiving the report, the insurance company will arrange staff to come to the scene immediately to investigate and deal with the traffic accident, and communicate with the owner about the loss amount and car maintenance methods; If the owner is treated in the hospital, the claims adjuster will go to the hospital to communicate with the company; 3. Submit a claim application: After preparing the relevant materials required for the claim, you can go to the insurance company counter to apply; 4. Claim approval: After the insurance company accepts the claim materials, it will conduct an investigation and review the round dust for approval; 5. Claim Settlement Decision:

After approval, the insurance company will make a claim decision and inform the car owner of the result, and the final claim payment will be transferred to the user's account.

The car accident insurance reimbursement process is as follows:

1. The insured or victim notifies the insurance company;

2. The insurance company will reply and inform the insured or the victim of the specific compensation procedures and other relevant matters;

3. The victim submits relevant materials to the insurance company;

4. The insurance company makes the approval;

5. Reach an agreement to compensate the insurance money and compensate the insurance money.

[Legal basis].

Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the 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 liability limit of the compulsory insurance 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 within the limits of the compulsory insurance liability for 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 intentionally causes a road traffic accident. 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.

Summary. 1. Notify the insurance company after a traffic accident; 2. The insurance company determines the loss of the vehicle after inspection and testing; 3. Submit relevant information for claims, insurance policies, accident handling certificates, accident mediation letters, repair lists, etc.; 4. The insurance company will receive the compensation after verification. According to Article 57 of the Insurance Law of the People's Republic of China, when an insured event occurs, the insured shall try its best to take necessary measures to prevent or reduce losses.

After the occurrence of an insured event, the insurer shall bear the necessary and reasonable expenses paid by the insured to prevent or reduce the loss of the insured subject.

1. Notify the insurance company after a traffic accident; 2. The insurance company determines the loss of the vehicle after inspection and testing; 3. Submit relevant information for claims, insurance policies, accident handling certificates, accident mediation letters, repair lists, etc.; 4. The insurance company will receive the compensation after verification. According to Article 57 of the Insurance Law of the People's Republic of China, when an insured event occurs, the insured shall try its best to take necessary measures to prevent or reduce losses. After the occurrence of an insured event, the insurer shall bear the necessary and reasonable expenses paid by the insured to prevent or reduce the loss of the insured object.

Can you elaborate on that a little bit more?

Article 57 of the Insurance Law of the People's Republic of China provides that when an insured event occurs, the insured person shall try his best to take necessary measures to prevent or reduce losses. After the occurrence of the insured event, the insurer shall bear the necessary and reasonable expenses paid by the insurer to prevent or reduce the hidden loss of the insured object; The amount of expenses borne by the insurer shall be calculated separately from the amount of compensation for the loss of the subject matter of the insurance, and shall not exceed the amount of the insured amount.