How to report the insurance policy if it is out of insurance? What should the insurance company do a

After the policy is out of insurance, the standard reporting process is as follows: call the insurance company ** as soon as possible, and the specific report ** can be inquired about the policy or directly; (Some policies have a time limit for reporting the crime, such as reporting within 24 hours, so the report must be timely).

Provide relevant information to the insurance company according to the prompts, including but not limited to the policy number, policyholder, insured, time, place, and process of the accident, etc., and seek medical treatment according to the process, keep the relevant information, and prepare for the claim.

Legal analysis: When the insured vehicle is reported, it is necessary to pay attention to: mark one:

Take photos of the scene. Precautions: The scene must be photographed according to the method of "close-up of the accident site + long shot".

The long-range photo should include the all-round situation of the accident, and the direction should be four directions to the front and back of the accident scene. Tip 2: Report the crime.

Report a bicycle accident to the insurance company's customer service**. Describe the accident process, including the time and place, briefly describe the cause of the accident, and what losses were caused. Follow the guidelines of the insurance company to determine whether you need to report to the traffic police and whether you need to wait for the surveyor to conduct an on-site investigation.

Legal basis: Article 16 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.

The process is as follows: 1. Acceptance.

1.After receiving the report, the insurance company's claims adjuster will register and number the case and enter the formal processing stage.

2.At this stage, our company's claims specialist will follow up as soon as possible, contact the reporting staff to inform the detailed guidelines for the claim, including understanding the situation of the insurer, informing the information required for the claim and filling in the claim application.

3.The claims adjuster will review the claim materials: whether it is an insured event within the scope of insurance liability; whether it is within the validity period of the insurance contract; whether the claim was filed within the statutory limitation period; Whether the claim information provided is complete, etc.

2. Approval. The verification stage is that our company's claims adjusters make payment, refusal to pay, exempt the case and pay the insurance amount.

of the calculation process. Where the materials are complete and verification is not required, the routine case will be closed within 5 working days. For cases where the circumstances are complex and the circumstances of the accident need to be verified, the maximum statute of limitations for closing the case shall not exceed 30 days.

3. Closing the case. The conclusion of the claim will be formally notified to the customer in writing through the notice of closure, and if there is any doubt about the conclusion of the claim, an explanation will be given.

Extended Materials. There are main types of insurance companies.

Joint-stock insurance companies.

A joint-stock insurance company is similar to a joint-stock company in other industries and is operated by the promoter in accordance with the Companies Act.

Establishment, which specifies the number of promoters of the company, the limit of the company's debts, the type of issuance, taxes, the scope of business, the powers of the company, the application procedure, the company's license, etc. Western developed countries.

The company's organization is made up of three power groups, namely shareholders, the board of directors, and senior managers.

Mutual insurance companies.

A mutual insurance company is also a form of corporate organization, but it is a non-profit corporation that has no shareholders and the company is owned by the policyholder (policyholder). Therefore, the policyholder has a dual identity, being both the owner of the company and the customer of the company. The shareholders of a joint-stock insurance company are not necessarily the customers of the company, and the policyholders of the mutual company, as the owners, can participate in the election of the board of directors, who appoint the company's senior management.

Specializing in the business operation and management of the company. The policyholder can obtain"Bonus"share business results.

Captive insurance company.

If you are an insurance company, if you receive a report, you will definitely go to the insurance company after receiving a report, and you will definitely understand the situation, so you don't have to worry about this.

If it is a car insurance report, we will ask in detail about the circumstances of the accident, such as whether there are any injuries, where the accident occurred, etc.

In the case of life insurance, the information submitted after the case is reported, and the claims department will review whether the claim is settled or not according to the consistency of the submitted information with the insurance liability agreed in the insurance contract.

When the insurance company receives the report, it will send a salesman to the scene to investigate the damage as soon as possible, assess the damage, rescue the rescue, and then deal with the next maintenance matters.

The person receiving the report shall report it in the claim workflow system according to the policy number, the name of the insured and other information provided by the informant.

First of all, you have to see what you are reporting to the insurance company, if it is pure this kind of car insurance, he will first go to the scene of the accident to take pictures, and then what? Verify. If it's that kind of life insurance, he'll go to the hospital and check your medical records.

However, after taking it, we will make corresponding compensation according to the situation.

After the insurance company receives the report, what should Gao Cha do? After the insurance company received the report, Ken Hungerfan must investigate the cause of the accident and the size of the responsibility as soon as possible, and then how to settle the claim?

After receiving the report, the insurance company immediately returned to the scene of the crime to understand the situation and make a claim according to their situation.

What should the insurance company do after receiving a report? After receiving the report, the insurance company should immediately go to the scene of the accident to investigate.

Contact the insured and the reporter in a timely manner for the next step of the claim.

Insurance company. Insurance. Insurance.

The insurance reporting process is as follows:

1. It can be carried out by means of ** report, online report, and network report;

2. Submit the claim materials required by the insurance company, such as the insurance contract, the certificate of body seizure, the diagnosis certificate, etc.;

3. After receiving the complete claim materials, the insurance company will review them and conduct a compensation investigation to confirm whether the insured meets the claim conditions;

4. After the review is passed, the insurance company will transfer the insurance money agreed in the contract to the designated account.

After receiving the request for compensation or payment of insurance money from the insured or the beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or the beneficiary to compensate or pay the insurance money.

Legal analysis: not counted: 1. After receiving the customer's report, the insurance company will promptly send professionals to the scene of the accident to assist in handling the accident, analyze the cause of the accident, understand the accident loss, and inform the claims precautions.

2. Fill in the notice of insurance, which is also the claim application. If the insured is a unit, the official seal of the unit must also be affixed. 3. The assessed loss shall be repaired as far as possible if it is damaged due to an insured accident or caused damage to the property of a third party.

Before repairing, the insured shall inspect with the insurance company to determine the repair items, repair methods and costs. If the customer repairs it by himself, the insurance company will re-assess or even refuse to pay for it. 4. Provide claim documents.

5. Confirm the amount of compensation and receive compensation. Under normal circumstances, after the amount of compensation is confirmed by both parties, the insurance company will settle the case within 10 days.

Legal basis: "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law.

If the damage caused by the road traffic accident is deliberately caused by the victim, the insurance company will not compensate for the lead.

Legal analysis: Be sure to report to the police before reporting to insurance for traffic accidents.

Claim process: 1. Report: First of all, report the case to the public security organ, and you can choose to report the case immediately or afterwards.

Prepare the materials on your own, and generally report to the police station where the accident is located. Secondly, after the public security organ reported the case, it was necessary to report the case to the insurance company immediately, and it should not exceed 48 hours after the accident.

2. Damage assessment: After reporting to the insurance company, it is required to assess the damage within 48 hours, if you are not free to go to work, drive the car to the vicinity of the company, and wait for the insurance company to come to the door. A simple car damage is to pat the **, look at the accident sheet, and then open a damage assessment order.

If there is any objection to the amount of the claim issued by the damage assessor, it is best to negotiate it clearly on the spot.

3. Repair: After the damage assessment order is in hand, you can find a car repair shop to repair the car at any time. If you have to pay a certain percentage of the repair fee, you can negotiate with both parties.

4. Claim: After repairing the car, issue an invoice, and go to the insurance company's office to submit a claim application. It is recommended to choose to have the insurance company bank transfer.

Legal basis: Provisions on Procedures for Handling Road Traffic Accidents Article 60 The traffic management department of the public security organ shall determine the responsibility of the parties according to the role played by the party's behavior in the occurrence of the road traffic accident and the severity of the fault.

1) Where a road traffic accident is caused by the fault of one of the parties, full responsibility shall be borne by the party;

2) Where a road traffic accident occurs due to the fault of two or more parties, they shall bear primary responsibility, equal responsibility and secondary responsibility respectively according to the effect of their actions on the accident and the severity of the fault;

3) None of the parties is at fault for causing the road traffic accident, and if it is a traffic accident, none of the parties is liable.

If one party intentionally causes a road traffic accident in Qi Chaixian, the other party is not liable.

Summary. Dear, hello, I'm happy to answer for you, your question is: do you have to report the insurance claim has been inquired for you The insurance claim is not required to report, if it is just a unilateral accident, the damage caused is not very serious, then you can only report to the insurance company, such as the owner himself accidentally made the vehicle slightly scratched.

However, if the situation is more serious, or it is a multi-party accident, and the accident involves personnel, property damage, etc., it is necessary to call the police first, let the traffic police issue a traffic accident certificate, and then the insurance company will assess the damage according to the traffic accident certificate issued by the traffic police, otherwise the insurance company is likely to refuse to settle the claim.

Do I have to report an insurance claim?

Dear, hello, I'm happy to answer for you, your question is: do you have to report the insurance claim has been inquired for you The insurance claim is not required to report, if it is just a unilateral accident, the damage caused is not very serious, then you can only report to the insurance company, such as the owner himself accidentally made the vehicle slightly scratched. However, if the situation is more serious, or it is a multi-party accident, and the accident involves personnel, property damage, etc., it is necessary to call the police first, let the traffic police issue a traffic accident certificate, and then the insurance company will assess the damage according to the traffic accident certificate issued by the traffic police, otherwise the insurance company is likely to refuse to settle the claim.

Dear, hello, here is a point to mention that if it is a unilateral accident, the damage caused is not very serious, and it can be done for a few hundred yuan, it is not recommended that you take insurance, and it will be more cost-effective to pay for repairs yourself, because if you go to insurance, the second year car insurance premium may be **. If you have been able to enjoy the car insurance discount before, you may not be able to enjoy the discount in the second year after the insurance claim is made, and you will need to pay the premium at the original price.