Is it reasonable to report the accident within 24 hours after the accident in many accident insuranc

In many accident insurance clauses, the accident must be reported within 24 hoursI think it's still reasonable.

1.The purpose of this is to find out whether there is insurance fraud in the first place;

2.Insurance companies are not charities, and they will certainly look out for their own interests;

3.Accident insurance is relatively high, and it is reported within 24 hours, which is conducive to solving problems quickly.

With the continuous improvement of living standards, we also pay more attention to insurance, insurance will not make people so resistant, after all, after an accident, if there is an insurance, life and financial pressure will be reduced a lot, insurance has become more and more important in our lives. Many people complain about insurance, some of their overlord clauses make people feel speechless, but there is no way, after all, insurance companies must want to maximize their own interests, they are not charities, and making money is one of their purposes.

1. If you report an accident within 24 hours, you can find out whether there is insurance fraud as soon as possible

Where there are interests, there may be contradictions, and insurance fraud has occurred frequently in recent years, which has made insurance companies miserable, and insurance companies have come up with many ways to deal with it.

I think it is more reasonable to report the accident within 24 hours, because at this time, it is relatively close to the scene of the crime, and whether there is insurance fraud can be detected in the first time.

2. Insurance companies are not charities, they also have their own interests in mind

While the insurance company solves everyone's worries, it must hope to maximize its own interests, and reporting an accident within 24 hours can reduce a lot of trouble, which also improves work efficiency, which is very beneficial to the insurance company.

3. The relative sum insured of accident insurance is relatively high, and reporting the case within 24 hours is conducive to solving the problem in the first time

Although many times we will complain about the insurance company, but if we have an accident within the insurance coverage, the insurance company will pay out relatively quickly.

The amount of accident insurance is relatively high, and the first time to determine what happened is conducive to the insurance company to make compensation as soon as possible, which can also accept the situation of reporting within 24 hours.

I think this is very reasonable, because you must call the police if it is accident insurance, if you don't report to the police, there are no relevant files, and the follow-up must be because you are fake, and after such a thing happens, you should immediately contact the corresponding department.

Irrationality. Because there are some special circumstances that cannot be reported within 24 hours, I don't think it's reasonable.

Accident insurance. It is not necessary to report the crime within 24 hours.

Different accident insurance products have different requirements for reporting timeliness, such as 24 hours, 3 days, 7 days, etc.

Exceeding the time for reporting the case will affect the insurance company's claim, and the insurance company will not be liable for compensation for the part of the loss that cannot be determined or expanded, but the failure to report the case in time usually cannot be directly used as a reason for the insurance company's refusal and non-compensation.

Accident insurance is not covered by the following points:

1. The intentional act of the insured;

2. Intentional self-injury or suicide, except for those who lack the capacity for civil conduct;

3. Fighting, assault or abuse caused by the insured's provocation or deliberate imitation;

4. Pregnancy, miscarriage, childbirth, drug allergies.

5. Acceptance of any medical practice, including cosmetic cosmetics, let rent cosmetic surgery, including incidental causes;

6. Affected by alcohol, drugs, or controlled drugs;

7. Illness, including but not limited to altitude sickness.

Heat stroke, sudden death.

8. Disability and death caused by biochemical substances such as chemistry and atoms.

There is a time limit for insurance reporting, but the specific situation depends on the contract. The reporting time of each insurance company is different, so it is recommended to call the relevant insurance company's service** for consultation. The reporting time required for general accident insurance is within 5 days, within 48 hours for car insurance and life insurance, and within 3 days or 10 days after the accident for medical insurance.

It is worth noting that the insurance company sets the reporting time in order to investigate the insurance situation in a timely manner and speed up the efficiency of claim settlement. There is a time limit for reporting a crime, some insurance types require a relatively tight time, and some companies require a relatively lenient time. Therefore, the specific provisions should be subject to the insurance contract and try not to exceed the time limit.

If the time limit is exceeded, it is recommended to consult the insurance company.

1. The time of reporting should be subject to the contract, and if the time is exceeded, some types of insurance can be claimed, and some types of insurance can not be claimed, and a series of losses caused by the time exceeding the time are borne by the policyholder himself.

Therefore, the sooner the time to report the case, the better, and it is recommended to notify or notify by letter immediately after the accident to ensure that the insurer knows that the insured is out of danger and avoid other losses and expenses in the later stage.

2. After the accident, in addition to paying attention to the time of reporting, you should also pay attention to the timeliness of claims. Once the statute of limitations has expired, the insurance company will not settle the claim.

The procedures for claim settlement include: reporting, acceptance, investigation, review, approval, and collection. There are many procedures, so you must be clear about each process, grasp the time of claim settlement, and don't miss the time limit for claim settlement.

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Summary. There are 24 hours, 3 days, 7 days, etc., but the reimbursement time is relatively long. If you incur expenses due to an accident** during the insurance period, you can apply for compensation within 180 days** after the accident**.

In other words, after an accident occurs, you should first report it to the insurance company. Otherwise, if you miss the effective reporting time, you will not be able to get compensation from the insurance company.

In the event of an accident, how long does it take for the accident to be effective?

Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait! The effective time for accident insurance reporting is 24 hours, 3 days, 7 days, etc., but the reimbursement time for bridge excavation is relatively long. If you incur expenses due to an accident** during the insurance period, you can apply for compensation within 180 days** after the accident**.

In other words, after an accident occurs, you should first report it to the insurance company. Otherwise, if you miss the effective reporting time, you will not be able to get compensation from Baozhen Consumer Insurance Company.

I've been here for 40 days, and I've only reported one insurance company, and one hasn't been reported.

I bought insurance from 2 insurance companies.

Then you should ask the insurance company.

The insurance company needs to settle the claim within 30 days. Article 23 of the Law of the State on Insurance stipulates that after receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, except if otherwise agreed upon in the agreement.

Can this be used as a reason for the insurance company not to pay?

The insurance company will pay out the maximum payment time of 30 days. Special circumstances will be notified.

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Legal analysis: The accident insurance report is valid for 24 hours. The insured should first notify the insurance company as soon as possible after the occurrence of an accident within the prescribed period. Generally from the date of occurrence of the insured event, the liability period agreed by the insurance company is usually ten days.

Legal basis: Insurance Law of the People's Republic of China Article 22 After the occurrence of an insured event, when the insurer is requested to compensate or pay insurance money in accordance with the insurance contract, the policyholder, the insured or the beneficiary shall provide the insurer with the certificates and materials that it can provide to confirm the nature, cause and extent of loss of the insured accident. If the insurer finds that the relevant certificates and materials are incomplete in accordance with the provisions of the contract, it shall promptly notify the policyholder, the insured or the beneficiary to provide supplementary information in a one-time manner.

1. How soon should I report the accident to the insurance company?

1. Report to the insurance company within 48 hours after the accident occurs. Within three days after the normal case is assessed, the claim process can be carried out. After providing complete claim information, the insurance company will determine the statute of limitations according to the amount of loss, and the compensation will be paid on the same day for small cases and up to 45 days for large cases.

The maximum retrospective period for compensation is 2 years, and if the claim is not made within 2 years, the compensation will automatically become invalid.

2. Legal basis: Article 10 of the Provisions on Procedures for Handling Road Traffic Accidents.

If a road traffic accident occurs in two or more jurisdictional areas, it shall be under the jurisdiction of the traffic management department of the public security organ where the accident originated.

If there is a dispute over jurisdiction, the traffic management department of the public security organ at the next higher level shall designate jurisdiction. Before designating jurisdiction, the traffic management department of the public security organ that is the first to find or receive the alarm shall deal with it first.

2. What materials do you need to provide for car insurance claims?

1. When you buy vehicle insurance, the insurance company gives you the original insurance policy, and fills in the claim application form when you go to the police station to report the accident after the traffic accident;

2. The traffic accident liability determination, traffic accident damage compensation mediation letter, as well as the compensation receipt of the three and the compensation certificate of the damaged vehicle provided by the traffic management department, the copy of the copy should be stamped with the official seal again, so that the certificate is valid;

3. Make a copy of the driving license, a copy of the driver's license, and a copy of the driver's membership card. If the stamp of the copy is blurred, you will also need to bring the original document. When the insured receives the payment, he or she also needs to bring a sample of the compensation receipt given by the insurance company to the car owner;

4. In addition, when confirming the specific compensation amount, the car owner needs to provide information on the car insurance claim. An official invoice from a garage that should state the license plate number of the vehicle being repaired. There is also a rescue fee bill, which should include the type of vehicle and the content of the rescue, etc., which is provided by the rescue unit.

In the event of an accident, the report is valid within three days.

Accident insurance is one of the life insurance businesses, which is a life insurance that takes the death or disability of the insured due to accidental injury as the condition for the payment of insurance benefits. The basic content is that the policyholder pays a certain amount of insurance premiums to the insurer, and if the insured suffers an accidental injury during the insurance period and takes this as the direct or proximate cause, and causes death, disability, medical expenses or temporary loss of working capacity within a certain period of time from the date of the accidental injury, the insurer shall pay the insured or its beneficiary a certain amount of insurance money. There are two types of benefits, namely death benefits and disability benefits.

The calculation principle of accident insurance premium is similar to that of non-life insurance, that is, when calculating the accident insurance rate, the degree of danger of the insured should be classified according to the frequency of accidents and the degree of injury caused to the insured, and the insurance rates should be formulated separately for different categories of insureds.

Group accident insurance and personal accident insurance, which cover a wide range of benefits, usually have a term of one year, except for death and disability caused by illegal crimes, as long as the death or disability is caused by various accidents, it is an insurance liability.

Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

After the accident insurance is reported, the claim settlement time shall be subject to the effective time of the report stipulated in the insurance contract. Different insurance companies have different effective time for accident insurance reporting. Under normal circumstances, accident insurance is valid for seven days.

After receiving the report from the insured, the insurance company will make an assessment within 30 days, unless otherwise agreed in the insurance contract. If the insured is in the insurance liability, the insurance company will pay the insurance money within 10 days.

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