What is the insurance process for minor vehicle accidents?

The procedures of traffic accident insurance are as follows: 1. For compensation for personal injuries in traffic accidents, the first thing to do is to have a traffic accident liability certificate issued by the traffic police department, which is the beginning of all liability basis. The proportion of responsibility according to the division of the traffic police.

The disability level is assessed by a professional appraisal agency. 3. After the disability level is determined, the liability for compensation shall be determined according to the average local salary of the employee in the previous year, the age of the victim and the household registration.

Legal basis:

Article 17 of the Supreme People's Court's Interpretation on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases.

The person obligated to compensate the victim for personal injury, all expenses incurred due to medical treatment** and the loss of income due to lost work, including medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal subsidies, and necessary nutrition expenses.

If the victim is disabled due to injury, the compensation obligor shall also compensate for the necessary expenses incurred by the victim due to the increase in living needs and the loss of income caused by the loss of the ability to work, including disability compensation, disability assistive device expenses, and living expenses for dependents, as well as the necessary expenses, nursing expenses, and follow-up expenses actually incurred due to nursing care and continuation.

1. In the event of a minor traffic accident on the road, if the parties have no dispute about the facts and causes, they shall, under the principle of ensuring safety, take pictures of the accident scene or mark the location of the accident vehicle, immediately evacuate the scene, move the vehicle to a place that does not obstruct traffic, and negotiate to deal with the compensation for damages.

2. Report the case to the respective insurance company immediately, and fill in the "Agreement" after obtaining the report number of the insurance company;

3. At the same time, go to the place designated by the insurance company to dismantle and inspect the damage, if there are special circumstances that cannot arrive at the designated place within the agreed time, the consent of the insurance company should be obtained, and the agreed time shall be handled.

The basic process of making a car accident insurance claim 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, inspectors conduct on-site investigation and inspection, and the insured provides relevant evidence of rolling disorder;

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 the large mu file. If the authority of the Department of Property Insurance exceeds the level of resistance;

6. After the compensation is closed, the claim number of the reimbursement department shall be handed over to the financial department after approval, and the financial department will take back the compensation except for the red copy of the payment receipt and the calculation book.

The process of vehicle accident insurance is as follows:

1. The accident is reported to the accident, and the insurance company will send inspectors to investigate and inspect the work on site;

2. The insurance company will review and keep the claim documents submitted by the customer, and then submit the relevant information to the Claims Department of the Property Insurance Department for review;

3. Examine and approve the claims within the authority of the Property Insurance Department, and report the parts beyond the authority of the Property Insurance Department;

4. The person in charge of the claim verification department will hand over the compensation case that has completed the approval procedures to the financial transfer. The insurance company's financial officer transfers the compensation to the bank account designated by the car owner.

The insured motor vehicle is involved in a road traffic accident.

If the victim other than the person of the vehicle and the insured suffers personal and property losses, the insurance company shall compulsorily insure the liability for motor vehicle traffic accidents in accordance with the law.

Indemnification within the limits of liability. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

First of all, it is necessary to contact the insurance company in time, and be sure to take pictures of the scene of the accident suspect Qi Xi with a mobile phone in time, and then arrive at the designated repair shop for maintenance, and then compensate and determine the responsibility.

It is necessary to determine the responsibilities of the scene, and then let the traffic police determine the responsibility, issue a liability accident statement, and then give the instructions to the insurance company, so that it can be.

You should first take a picture of the car accident and prepare all the relevant procedures, and then go to the insurance company to go through the process.

It is believed that many car owners buy car insurance in order to obtain compensation from the insurance company after an accident, so many car owners are very concerned about the claim process. In fact, the insurance claim process is relatively simple, as long as you can do this process well, you can get compensation from the insurance company. After a vehicle accident, how should I go through the insurance process?

Call the police and notify the insurance company as soon as possible.

Many car owners think about private chats after a traffic accident, because if they call the police, they may leave a case record, which will have a certain degree of impact on their future lives, but this method is wrong. If there is a traffic accident, it is necessary to call the police as soon as possible, and notify the staff of the insurance company, and then the staff of the insurance company will go to the scene to do a vehicle damage assessment. Then the police will also determine the responsibility on the spot, and then ask the owners of both parties to sign a liability determination, and the insurance company can compensate according to this determination.

Therefore, if there is a traffic accident, you must call the police as soon as possible and notify the insurance company, if you do not notify the insurance company, the insurance company will not know that you have an accident, and it may not be compensated.

Submit the corresponding supporting materials to the insurance company.

After knowing the insurance company, you must submit supporting materials to the insurance company to prove that the accident did happen, and the insurance company also needs materials to settle the claim. Therefore, the owner must not panic, and take a picture of the situation at the scene, which is the insurance claim material for the future.

Go to your insurance company to get your payment.

After the policyholder submits the information to the insurance company, the staff of the insurance company will review the materials, and after the review is passed, the policyholder will be notified to go to the insurance company to receive the compensation. So if you have already submitted supporting documents, you can wait and wait for the insurance company to approve the payment and you will be able to get the compensation. You will also need to sign the claim agreement so that you can actually receive the compensation.

Car Accident Insurance Process:

The insurance is for the party in charge, and those who are not liable for accidents do not need to use their own insurance. If the responsibility is clear, the claims process after an accident looks like this:

Insurance: Report to the insurance company:

1. If it is a unilateral accident, for example, if you hit a wall, a telephone pole, a road tooth, etc., you only need to take a photo and leave a certificate in the same place and directly report to the banquet insurance company.

2. If the accident is serious, you can confirm with the insurance company whether it is necessary to call the police to confirm it, and the main role is to endorse the authenticity of the accident.

Damage assessment: go to the 4S shop for damage assessment and maintenance.

Go to your insurance direct compensation for 4S or large repair shop damage assessment, generally consult the insurance company can give advice, so the advantage is that there is no need to advance, and there will be no shortage of damage assessment amount relative to the maintenance amount.

Claims: Reimbursement for parts other than repairs.

Sometimes, in addition to the car, there may be some that need to be reimbursed, such as the damage of electric poles and guardrails, you can confirm with the insurance company how to reimburse.

After the accident, at this time, you need to go to the insurance company or the insurance company, and it is also necessary to ask the business friend to go to the scene to see the specific situation first, so as to facilitate the reimbursement of socks in the future.

Be sure to take a photo to leave evidence, then choose to call the police, let the traffic police deal with it, and then go to the insurance company to make a claim after processing, and go through the corresponding process.