-
To quickly settle a claim for vehicle insurance, you need to provide the accident certificate issued by the traffic police, the vehicle damage repair invoice and the claim application, as well as the driver's license, driving license, the insured's ID card, and the policyholder's insurance policy.
1. When the insured requests compensation, the insurer shall generally provide the following certificates and materials:
1) The original insurance policy, claim application, property loss list, technical appraisal certificate, accident report, ambulance expense invoice, necessary account books, documents and certificates of relevant departments;
2) Other certificates and materials that the policyholder and the insured can provide to confirm the nature, cause, and extent of loss of the insured accident.
3) If the policyholder and the insured fail to perform the obligation to provide documents agreed in the preceding paragraph, resulting in the insurer's inability to verify the loss, the insurer shall not be liable for the part that cannot be verified.
2. The most basic information provided for vehicle insurance claims is: claim application, repair invoice, insurance damage assessment form, original repair list of the repair unit, driver's license, and copy of driving license.
3. If the loss is relatively small, and the insurance company has assessed the loss on the spot, the insurance company has provided complete information to the scene to investigate, and if the claim is processed quickly, nothing can be provided afterwards, and the insurance company will pay the claim directly to the insured within three days.
-
a) Insurance policy;
2) The insured's valid identity certificate, the insured vehicle's driving license, and the driver's driver's license;
C) the traffic accident liability certificate issued by the traffic management department of the public security organ or the relevant legal documents and other certificates issued by the court and other institutions, and the proof of the amount of compensation obtained through compulsory traffic insurance;
4) If the insured chooses to handle the traffic accident through negotiation on its own in accordance with the relevant laws and regulations, it shall provide an agreement to record the traffic accident in accordance with the provisions of the "Provisions on Traffic Accident Handling Procedures";
E) should be responsible for the third party compensation but can not find the third party, in the road accident, should provide the public security organs traffic management department identified and issued a certificate; In the case of accidents in other places, a certificate issued by the local public security organ shall be provided;
6) Other relevant certificates and materials that can confirm the nature, cause, and extent of loss of the insured accident.
Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 21 The insured motor vehicle suffers from a road traffic accident that 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.
The car accident insurance claim process includes the following steps: reporting, investigation and damage assessment, signing and reviewing the claim documents, adjustment and review, approval, and settlement of compensation >>>More
It is recommended that you find a professional lawyer to help you do this, which is roughly the following process. If the other party has 100,000 commercial insurance, the 100,000 of the compulsory traffic insurance (this total should be 122,000, but it is apportioned according to various proportions, and basically you can't get the number you said) is enough for the 200,000 you said. However, if the other party is speeding, the insurance company will have a waiver (this is based on the content of the traffic accident liability letter issued by the traffic management department), which is about 30% of the deductible (this can be discussed with the insurance company). >>>More
First of all, the accident identification certificate made by the traffic police department is required. According to your statement, your wife was hit by someone else, and the other party should report to her insurance company for compensation, and the expenses incurred during the hospitalization must be the hospital invoice before you can report to the insurance company. The other party's insurance company shall pay for the medical expenses within 10,000 yuan, and the excess medical expenses shall be borne by both parties in the proportion of accident liability. >>>More
Category B deductible. The out-of-pocket ratio for Class B drugs may vary from region to region. There will be a regulatory document that specifies the out-of-pocket ratio. >>>More
A major traffic accident occurred in Sichuan, and 22 people were killed and 6 injured when China Bus fell off a cliff. >>>More