How do I make a claim for car insurance after a car accident?

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.

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The insurance car accident compensation process is as follows:

1. After the accident is reported, the customer reports to the claims department of the insurance company, and after receiving the report from the auto insurance company, the customer will be required to fill in the "Business Insurance Registration Form" immediately after receiving the report;

2. The survey and damage assessment personnel shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice of the insurance company, require the customer to provide relevant documents, and guide the customer to fill in the relevant claim documents;

3. Sign for the review of the claim documents of the business department and the internal staff of the insurance branch to review the claim documents submitted by the customer, and return the documents to the customer after explaining to the customer that the procedures are incomplete, and return the yellow copy to the insured after signing the insurance report for the claim case with complete documents, and submit the claim documents and the information to be deposited to the property and casualty insurance department;

4. All claims must be adjusted and reviewed within 3 working days and submitted to the person in charge of the Claims Section for review;

5. Approve the claims within the authority of the property insurance department and submit them to the manager in charge of claims for approval, and report the claims beyond the authority of the property insurance department step by step;

6. Settlement of compensation.

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.

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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, the insurer underwriting the commercial motor vehicle insurance shall compensate in accordance with the provisions of the insurance contract.

What should I do if I have no money to compensate for the blind and disturbing accident when I get out of the car.

If you don't have money to compensate for traffic accidents, you can pay it monthly and repay it slowly. If the parties do not have the property to enforce, they can pay compensation when they have money. However, if a party has the ability to compensate and does not make compensation, or transfers his own property, it is a crime of refusing to perform the judgment and ruling of the court.

This offence is punishable by up to three years in prison or criminal detention. In the event of a traffic accident, the traffic police department will first intervene in the investigation and issue relevant identification documents. At the same time, the traffic police department, as a law enforcement agency, can be difficult to mediate disputes between the two parties due to traffic accidents.

As the injured party, you can also request the traffic police department to mediate, and the party responsible for the opinions of the Changdan law enforcement department may agree to mediation and pay the amount as soon as possible.

Legal basis: Article 23 of the Regulations on Compulsory 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.