The car has rubbed to the door, how to apply for insurance?

Therefore, if you can stop when the car and the door are rubbed against the door, even if it doesn't work, park the car in the place where it is in contact with the door, and after the report is placed, the investigator will understand your accident situation (you think about how to explain it yourself) Prepare your ID card, driver's license, driving license, insurance card, bank passbook, wait for the other party to take pictures, go to the repair shop to assess the damage and repair, pay the invoice to the insurance company to fill in the claim application form, go home and wait for the money.

If it's within 300, don't call the police, even if you're all-inclusive, if you don't get out of the risk in the first year, it's less than %5 in the second year.

If you still want to blindly apply to the insurance company, you can do it. However, the insurance company also has a deductible, that is, if the loss of your car does not exceed a certain price, the insurance company will not pay, which is clearly written in the insurance policy when you buy insurance. Complete!

By the way, the next time you encounter something like this, you don't need to stop where you are. Just take the insurance company's personnel to see the scene......

There's a lot of knowledge in it! I hope you are realistic. As long as it's all inclusive.

How much will accompany you. For the 5% of the next fiscal year

Forget it.

You drive the car to the side and report to the insurance company, you can say that it has just been scraped, but after all, iron will rust after a long time. The suggestion was that it was scraped yesterday, but at that time, there was an emergency, so I didn't report the insurance. No problem.

You can apply for insurance. But if you have not reported insurance for several years, then you will not go to the claim for less than 500 yuan, because there is no discount for the next year's premium after the claim, if it is the first year, then you can also go to the claim.

The insurance report is divided into two parts: reporting and claiming, the owner does not go to the insurance company to pay money, that is, there is no claim, the insurance company will not have the owner's claim record, and the second year will not affect the owner's premium.

Motor vehicle insurance, also known as automobile insurance, refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents. Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance.

Historical origins. The world's first car insurance policy appeared in the United States in 1898. Traveler's Insurance in the United States**** gave Truman Martin of Buffalo, New York, the first car insurance policy in 1898. Martin was very worried that his car would be hit by a horse.

There are just over 4,000 cars in the United States, but the number of horses has reached 20 million, and horse-drawn carriages are still the main means of transportation.

More than 100 years later, there are 100 million cars in the United States, and the number of horses has dwindled to 2 million. Car insurance, which was considered a novelty more than a century ago, has become commonplace.

You can apply for insurance. This is a unilateral accident, if you have insurance, report it to the insurance company, and they will handle it at their sole discretion, and you will pay for the shortfall; There is no insurance, so I have to go to the relevant property or management department to estimate the compensation.

1. If you want the insurance company to settle the claim if you drive into the wall by yourself, you need to see whether you have car damage insurance. If you only have compulsory traffic insurance, then there is no way to find an insurance company to settle the claim. If you have car damage insurance and other car full insurance, you can go to the insurance company to make a claim.

2. After taking out the car full insurance, the insurance company will make a claim within the insurable scope according to the contract. It is recommended to insure the insurance company as soon as possible after the accident, so that the insurance company personnel can rush to the scene in time to understand the accident and facilitate the rapid assessment of losses. Policyholders should also understand the terms of the relevant insurance contract and know whether the insurance they are in is covered.

3. The case was not reported at that time, and the case was reported later, because the first scene had been destroyed, the amount of damage could not be determined, and the suspicion that the insured deliberately caused an accident to defraud the insurance was not ruled out. In this case, the insurance company will generally ask for a higher deductible or only pay 20-40% of the loss.

4. Don't move the car, report directly to the insurance company, if the insurance company lets you take a picture of yourself and then go to the claim center, this is no problem. If you buy an insurance that does not include a deductible, you can also call the police if you are not at the scene and ask the insurance company to compensate, but only 70% of the compensation will be paid.

If your car is damaged, it depends on whether you have bought commercial car damage insurance, ordinary compulsory traffic insurance is only a compensation for a third party, if you hit the door is broken, you can compensate, buy car damage insurance directly at the scene of the insurance company, the surveyor to the scene to take pictures can be paid in full. First of all, make sure that your car has passed the annual review, and you are not drunk driving, or the insurance company will not pay.

Personal advice:If you accidentally scrape the wall while driving, the loss of your vehicle is a unilateral accident, and you will report to the insurance company, and there will be surveyors to the scene to investigate and assess the damage and take photos for evidence. If you have purchased car damage insurance, the insurance company will compensate according to the amount of damage and repair the vehicle, which generally does not need to be borne by the owner.

If you have already purchased the corresponding insurance, you can apply for insurance. This kind of accidentally hit the car and accidentally hit by another car can be taken insurance.

Whether or not to take insurance for car scratching needs to be divided. If the premium discount is greater than the amount of car scraping and repairing, then don't go for insurance. If the premium discount is less than the amount of car scraping repairs, then you need to go through insurance.

If the car owner goes out of insurance too many times, the car insurance premium rate will rise.

If the car owner does not take out the insurance during the validity period of the insurance contract, the premium for the next year will be reduced by 10% on the basis of the original premium, and the insurance company will no longer provide preferential policies for the car owner for three consecutive years. Within one year, the owner of the car will go out of insurance once, and the insurance cost will not rise; In a year, the owner of the car goes out twice and the insurance cost rises by 10%. If the cost of scraping the vehicle is relatively low, it is best for the owner not to take insurance.

The specific vehicle scratch insurance claim process is as follows:

1.After your vehicle is scraped, call the insurance company** to report the accident, and in case of emergency, you can call 110 to call the police;

2.The insurance company will send surveyors to the scene to investigate and assist in handling the scene, and will arrange tow truck rescue for vehicles that cannot be moved;

3.Then the surveyor and the owner of the car jointly confirm the accident responsibility, loss and expenses, etc., inform the claim information that needs to be submitted, and the car owner can hand over the insurance materials on the spot, mail, or on behalf of others;

4.If the liability for the accident is clear and the claim information is true, the insurance company will calculate the compensation according to the contract in accordance with the claim commitment, and will pay the compensation according to the agreed payment method;

5.On the question of how long it takes for the payment to arrive, the insurance company should pay the payment within 10 days after the payment agreement is reached;

6.For how to go to the scene of your own insurance, some insurance companies or repair shops support 1500 free on-site insurance, that is to say, you can get compensation without taking pictures, and you need to consult the local insurance company for specific requirements.

First, we can first determine whose responsibility is for the accident, or whether both parties are responsible.

1.Own responsibility.

If it can be judged from the beginning that we are fully responsible, then we can directly contact the insurance company and go through the insurance process. Generally, you can call the insurance company's claim hotline**, or initiate a claim on the insurance company's APP, or have the insurance company's financial specialist** and WeChat, and directly contact him for a claim. The best thing is to call the insurance company's claims hotline**, which is generally the fastest way to arrange a claim for help.

If the accident is not serious, but only a minor accident, then the insurance company will let you take a picture of the scene through WeChat. In addition, it is generally necessary to shoot the frame number of the vehicles on both sides of the accident, the driving license, and the driver's license of both drivers. Later, we only need to go to any 4S shop or car repair shop for repair, and the related costs of maintenance 4S shop or car repair shop will trade the repair fee with the insurance company according to the policy number.

If the accident is serious and complex, the insurance company's personnel will also go to the scene to inspect and then collect evidence on the spot to make a claim.

2.Both parties are responsible.

If both parties are responsible, or there is a disagreement between the two parties on the allocation of responsibility, then we must contact the traffic police before contacting the insurance company. The main purpose of the traffic police is to maintain on-site traffic, and second, to divide and identify responsibilities according to the situation at the scene and the information and evidence provided by both parties. After the traffic police issue a liability determination, the insurance company's personnel generally issue the insurance policy directly based on this liability determination.

The rest of the process is the same as described above.

2. Precautions If a traffic accident occurs, in addition to calling the police and contacting the insurance company, you must do a good job of opening the double flash and correctly placing the tripod warning signs, etc., after the traffic police do not arrive at the scene, you can judge whether to move the vehicle according to the serious situation of the accident. If it is not serious and there is no disagreement between the parties about the division of responsibility, then the vehicle should be moved to the side of the road. If someone is injured, don't move around, but it's our duty to do our best to maintain traffic on site.

You should immediately call the insurance company, and you should also call the traffic police immediately, and then let the traffic police issue an accident certificate, so that you can go through the insurance claim process.

You can video the analysis of responsibility, and then wait for the police to deal with it, during which you can call the insurance company to ask him to come to the scene.

At this time, the insurance claim should be made according to the damage of the vehicle. At this time, we must protect the scene, and we must call ** for professional people to investigate.

Legal analysis: If you hit someone else's car with the car door, you can take the insurance, as long as the vehicle causes damage to the vehicle of others, you can make a claim in accordance with the content of the insurance contract.

Legal basis: Commercial Bank Law of the People's Republic of China

Article 1 This Law is enacted in order to protect the legitimate rights and interests of commercial banks, depositors and other customers, to regulate the conduct of commercial banks, to improve the quality of credit assets, to strengthen supervision and management, to ensure the steady operation of commercial banks, to maintain financial order, and to promote the development of the socialist market economy.

Article 2 The term "commercial bank" as used in this Law refers to an enterprise legal person established in accordance with this Law and the "Company Law of the People's Republic of China" for the business of absorbing deposits from the public, issuing loans, and handling settlements.