How to apply for insurance if the car is scratched, and what is the process of applying for insuranc

After the accident, if the accident is minor, you can directly call the company you are insured to report, if it is serious or controversial, you should call the local traffic police ** to report, let the traffic police deal with it, and distinguish the responsibilities of both parties. There are generally the following steps:

Reporting: Generally, insurance companies require that a police report be made within 48 hours of the incident.

Investigation: After reporting the case, the insurance company will send a surveyor to the scene for a preliminary investigation to determine whether it is an insurance liability, whether the traces are consistent, and whether it is true.

Damage assessment: According to the traces and extent of the loss, the survey will conduct a preliminary on-site damage assessment or go directly to the repair shop, 4S shop, or damage assessment center to assess the damage.

Price: Some insurance companies will assess the loss at a later stage to see whether the actual repair or replacement of parts is reasonable.

Verification of losses: A comprehensive conclusion of losses is given according to the survey and verification price.

Claim verification: After passing the above links, provide relevant documents (driving license, driver's license, claim application, traffic police certificate, etc.) to the insurance company's counter. If the documents are valid, the accident is real, and it is an insurance liability, the case can be closed in the compensation process.

Payment: After the case is closed, you can go to the insurance company to receive the compensation.

If our car is scratched, don't rush to repair the car directly, it is more cost-effective to repair the car with this method, and you can save a lot of repair costs in a year.

Is there anything else you want to know?

Within 24 hours, call the service of the company you purchased the insurance to report**, ask them if they come to take pictures, if the insurance company does not come, you can take care of it yourself**, drive to the repair shop and wait for the insurance company to assess the damage, provided that you must purchase car body scratch loss insurance.

Hope it helps, thanks.

Any insurance company will report what insurance, and then report to the traffic police.

Insurance application process:

1. Inspection documents, three certificates and insurance policies: the driving license of the car, the driver's license, the ID card of the insured, and the insurance policy of the policyholder;

2. Bad car inspection, preliminary vehicle loss parts, bad car inspection, filling in the case approval form, copying all documents, etc.;

3. Photo damage assessment, photo damage assessment, and arrange treatment opinions;

4. Report the case regularly and report the case in accordance with the content of the case approval form. After the repair is completed, bring all the documents and the repair invoice to the repair office to pick up the car, and let the repair office ** claim.

Call the insurance company's customer service** to report the accident and make it clear about the condition of your vehicle. When the insurance company's investigators arrive at the scene, they will confirm the cause, nature, and damage of the accident. For some small scratch accidents, the insurance staff will let the car owner take a photo of himself and send it to WeChat.

Then there is the process of damage assessment, the repair shop will price the loss of the vehicle, and the insurance officer and the owner will sign and confirm after no objection. Collect the required materials for the case and submit them to the insurance officer for claim processing.

The insurance company will be able to pay the car owner's account after being reviewed by different departments. Some insurance companies that pay directly do not require the owner to pay in advance, so the payment will be paid directly to the repair shop. If there are relatively slight scratches on the car that can be dealt with by yourself, it is recommended that you pay for repairs at your own expense to avoid wasting the number of accidents and reducing the car insurance discount for the next year.

Extended information: 1. If you accidentally scratch your car while driving after buying car damage insurance, you can apply for insurance. The owner can report the case to the car insurance company within 48 hours, and the car insurance company will accompany the special damage assessor to the local damage assessment or take photos and send them over.

If it is more than 48 hours, the car owner needs to bring his ID card to the car insurance company to report the accident. The reason why the car owner can truthfully scratch the scratch, whether it is caused by himself or not, will not affect the amount of the company's claim. However, if there are relatively slight scratches on the car that can be dealt with by yourself, it is recommended that you pay for repairs at your own expense, so as not to waste the number of accidents and reduce the car insurance discount for the next year.

In addition, it should be noted that compulsory traffic insurance and third-party liability insurance cannot be used on your own vehicle, and can only compensate for the losses of others, so if your driving skills are not very good and you often scratch, you can buy a car damage insurance for backup.

2. If the insured vehicle is scratched by scratch insurance, the owner must report to the insurance company within 48 hours and apply for compensation. Most insurance companies with scratch insurance only cover new cars within one or two years, and the scratch compensation limit is generally 2,000 yuan or 5,000 yuan. In addition, although the scratch insurance is unlimited for the number of accidents, the cumulative compensation is paid, that is to say, if the scratch insurance is purchased for 5,000 yuan, the insurance contract will be automatically terminated after the cumulative amount of compensation reaches 5,000 yuan.

In addition, when the owner of the car reports to the insurance company, he should pay special attention to the time and report the accident to the car insurance company within 48 hours. If the scratches on the car are relatively light, it is recommended not to report the accident, because if there is no claim in the first year of insurance, the second year premium can be reduced by 10%.

The car was scratched somehow, how to apply for insurance.

Hello, the car is scratched somehow, the process of applying for insurance: 1. After the owner finds that the vehicle has been scraped, he needs to call ** with the insurance company within 48 hours to report the case and explain the specific situation of the vehicle. 2. When the insurance company receives the report from the owner, it will send a special person to investigate and confirm the cause of the accident and the loss.

3. The next step is the process of damage assessment, and the repair shop will price the loss of the vehicle. If neither the insurance company nor the car owner has any objection, both parties need to sign for confirmation. 4. Then the owner needs to collect all the relevant information, and then submit it to the staff of the insurance company to apply for the corresponding claim.

5. After the staff of the insurance company confirms, the amount of compensation will be transferred to the owner's account.

1. If it is an accident where two cars collide or scrape, it is necessary to determine whose responsibility is the first thing to do, and whose responsibility is to take whose insurance, but it cannot be the responsibility of others and take their own insurance.

2. After the responsibility is clear, for example, if it is your own full responsibility, then report to the insurance company first, and then say that the car crashed and report the accident after connecting.

3. If there is damage to the inside of the vehicle, then it needs to be dismantled and inspected, so that it is a little troublesome, you need to take the damage assessment form to the insurance company's damage assessment point, and then go to the 4S shop to dismantle and repair the car, and sell Zheng and other things are negotiated by the 4S shop and the insurance company, after repairing the car, you need to pay the money first, and then hand over the invoice to the insurance company, two or three working days, the slow hail money for repairing the car will hit your account. Scramble sails.

4. Then there is another situation that you accidentally scraped the wall while driving, and you didn't notice it, or you didn't have time to report the crime, and you had already driven away, and there was no accident scene, or you didn't know who was scratched by the car when it was parked, and you couldn't find the person responsible, then you can also take insurance. The reporting process is the same, and it is also necessary to report the case.