How to go through the insurance process for car scratches, how to go through insurance claims for ca

If a traffic accident occurs while driving under the influence of alcohol, the insurance company will not make a claim, and the traffic police will also pursue criminal liability.

Under normal circumstances, the car scratches the insurance process.

1. Take a photo for the card.

How to take insurance for vehicle scratches? The first time, of course, is to take a photo and keep the certificate as the basis for insurance claims. In the absence of personnel, it is best to take pictures of the accident scene as soon as possible and keep it for later use. Even if there is no third-party liability accident, it is a necessary habit to take photos for identification.

2. **Report the case.

Call the insurance company**, explain the accident situation, and inform the treatment plan. After taking photos at the scene, move the vehicle to a safe place, call the insurance company where the vehicle is insured**, and explain the accident vehicle, the scene situation, the time and place of the accident, and the operator will inform you of the treatment plan according to the accident situation. For such unilateral scraping accidents, it is necessary to report to the designated damage assessment center first.

Many car owners who are insured in the 4S store will first choose to contact the staff of the 4S shop, because basically every 4S shop has an insurance claims office, they will tell you what accident should be how to take out the insurance, and can be repaired in the 4S shop, but the insurance process during the accident must also be accompanied by the owner, and it does not save time. And objectively speaking, the insurance claim service attitude of the 4S store is not as good as before, and the accident that is recommended to be simple is the fastest to report the accident by yourself.

3. Damage assessment center.

How to take insurance for vehicle scratches? The third step, of course, is to bring all the necessary procedures for the accident (ID card, driver's license, driving book and insurance policy), and go to the damage assessment center to go through the damage assessment and claim procedures. If the accident vehicle can drive normally, it is best to drive the vehicle to the scene as well.

If the damage to the vehicle is severe, you need to take a picture as a basis, and then the insurance company will arrange a tow truck, and the use of the trailer will incur a certain fee, as for the amount, depending on the regulations of each insurance company and the distance of the accident scene.

You are not on the scene, the insurance can not be fully reported, can only be reported 80%, there is one, you can report the insurance company's **, if you have full insurance, just park the car on the side of the road, just say that the car is parked, do something back, scrape off, you have to pay attention to avoid the camera in that place, such a situation can be more, not to mention in the community, the community scrape to open a certificate, very troublesome, such a situation is generally a small scratch, in fact, it doesn't matter whether to report or not, you can keep it in the future to report together, The number of times will affect the discount of buying insurance, if the scratch is relatively large, and left the scene, it is the only way, you report to the insurance company at 2 o'clock in the evening, saying that in a country where you are not very clear about the address, it is very far away, and then the on-site survey will ask you if the car can be driven, if you can, first drive the car back, after you drive back, the car will be directly given to him, he will directly help you get it all, and there is a good relationship between you and the boss of the repair shop, they will help you deal with it, do a scene, very simple, Hope it helps.

1. The scene of the accident.

1) When a traffic accident occurs, the owner must turn on the vehicle's hazard warning lights as soon as possible, and set up a hazard warning sign behind the car. The advantage of this is to prevent a rear-end collision with a vehicle behind you, so as to ensure the safety of the people in the car and the vehicle itself.

2) In addition to setting up warning signs, it is necessary to take pictures of the scene of the accident for evidence, which is the evidence of the accident to the insurance company, and the method of taking pictures before moving the vehicle is mainly to avoid the owner not recognizing the problem. Then fill in the corresponding accident rapid processing agreement, so that you can go to the damage assessment agency for vehicle damage assessment, so as to complete the corresponding maintenance and inspection work.

2. Stop immediately.

Stop the car as soon as it is safe to do so, turn off the engine (to avoid the car**) and turn on the emergency lights to make them shine; Immediately write down the license plate of the other person's car (pen and paper, or even a camera should be on hand at all times) in case the other person drives away after an accident.

3. Issue a warning.

Protect the site; Warning other vehicles and lighting hazard warning lights; Place triangular warning signs on the road; If necessary, use other methods to warn.

4. Nursing the wounded.

Never move the injured person unless they are in danger (e.g., fire, toxic leakage) as your movement may cause more damage. If the injured person is still breathing and bleeding is not much, no one else should do anything unless they really know how to care for the injured person. Do not give any food or drink to the injured person.

Follow the following process to go through insurance: 1Report the incident to the insurance company within 48 hours of the incident.

2.The inspectors shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice of the insurance company, and the inspection of the damaged subject in the field can be entrusted to the local insurance company to complete it within 3 working days. 3.

Sign for the review of the claim documents. After sorting out the documents and the information on file, submit them to the Claims Department of the Property and Casualty Insurance Department. 4.

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.Approval.

6.The person in charge of the Claims Verification Section will submit the claim number of the completed approval formalities to the financial transfer of the compensation receipt and calculation book. According to the Traffic Safety Act:

Article 90 A driver of a motor vehicle who violates the road traffic safety laws and regulations on road traffic shall be given a warning or fined not less than 20 yuan but not more than 200 yuan. Where this Law provides otherwise, punishment is to be given in accordance with the provisions. Article 95 Where a motor vehicle driving on the road does not hang a motor vehicle number plate, does not place an inspection mark or an insurance mark, or does not carry a driving license or driver's license with the vehicle, the traffic management department of the public security organ shall detain the motor vehicle, notify the party concerned to provide the corresponding license plate or sign or go through the corresponding formalities, and may be punished in accordance with the provisions of Article 90 of this Law.

Where the parties provide the corresponding licenses or signs or go through the corresponding formalities, the motor vehicles shall be returned in a timely manner.