What is the Express Claims Process? Fast claims process

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

1. Report the accident After the accident, the customer reports to the claims department of the insurance company; After receiving the report from the auto insurance company, the customer will be asked to fill in the "Business Accident Registration Form" immediately after receiving the accident.

2. The survey and damage assessment personnel shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice from the insurance company; Require the customer to provide the relevant documents; Instruct the client to complete the relevant claim documents.

3. Sign for the review of the claim documents of the business department and the internal staff of the insurance branch to review the claim documents submitted by the customer, and return the documents to the customer after explaining the documents that need to be submitted after the procedures are incomplete, and the compensation case with complete documents should be returned to the insured after signing on the "insurance report (claim) (in duplicate)"; After sorting out the claim documents and the information on file, submit them to the Claims Verification Department of the Property Insurance Department.

4. All claims must be adjusted and reviewed within 3 working days and submitted to the person in charge of the Claims Section for review.

5. Approve the claims within the authority of the property insurance department and submit them to the manager in charge of claims for approval; Step-by-step reporting of the authority of the over-property insurance department.

6. Settlement of compensation.

Legal analysis: 1. The time limit for quick claim settlement is generally 24 hours.

2. The precautions for quick claim settlement are: don't just shoot the collision part, take pictures from the front, rear, left and right directions of the accident vehicle, and take pictures of the vehicle's location, sign markings, surrounding environment and even buildings; Both parties must also confirm each other; The two parties can exchange driver's licenses.

3. You can only wait for the traffic police to deal with it.

Legal basis: Several Provisions on the Rapid Handling of Traffic Accidents and the Rapid Settlement of Insurance Claims

Article 8 If the parties need to make an insurance claim after the accident through negotiation, they shall, in accordance with the provisions of Article 4, immediately report to their respective underwriting insurance companies** after moving the vehicle to a place that does not obstruct traffic, and report to the "Insurance Rapid Claim Joint Service Center" for damage assessment and compensation according to the insurance report**. **The content of the report is: the license plate number of the party, the time and place of the accident, the road section, the collision site, and the license plate number of the other party.

Article 9 All auto insurance companies in Shenzhen shall jointly set up a "Joint Service Center for Rapid Claims Settlement of Insurance", which shall be responsible for completing the damage verification and assessment of the traffic accident vehicles, collecting customer claim information and handling the claim procedures within three working days, and completing the preparation, adjustment and verification of the claim case, and negotiating with the customer on the payment method of compensation. The traffic management department of the public security organ shall cooperate with the "Joint Service Center for Insurance Rapid Claims" to handle cases of disputes over liability for traffic accidents.

Fast claim settlement refers to the process of the insurance company reporting the case after the subject vehicle is out of danger and the insured receives the compensation in order to improve the quality of claim service, which is short and simple.

Scope of Quick Claims:

Unilateral accident, the cause of the accident is simple, there is no dispute, and the loss is less than 3,000 yuan.

The losses of both parties are less than 2,000 yuan, and there is only a property loss for the accidents of both parties, and the responsibility is clearly determined, and there is no dispute.

1. Call the insurance company** to report the case. Immediately after the accident, you should call the police ** and take out your insurance policy, or your driver's license and driving license to report and register.

2. Keep the first scene. Try to keep the first scene as much as possible, and wait for the local survey Tanhuai surveyor to take pictures, because the first scene is the most illustrative evidence, so whether the first scene survey is very important for insurance claims, which can improve the speed of claim settlement. If the conditions do not allow, it is recommended that the owner take photos to record the accident scene to provide a basis for the claim.

3. Surveyors survey the scene. After arriving at the scene, the surveyor should actively cooperate with the surveyor to investigate the scene, and issue his own driver's license and driving license, and be truthful to the questions raised by the surveyor.

4. After taking photos on site, fill in the "Quick Claim Processing Form".

5. After filling out the potato friend processing form, the surveyor is responsible for contacting the car repair matters.

6. Withdrawal of compensation. After the loss assessor and the maintenance manufacturer have completed the assessment, they will issue a clear letter of vehicle loss.

The expedited claims process is:

1. If there is a minor traffic accident between two vehicles, both parties should immediately stop and turn on the double flashing lights, and then get out of the car to check the damage of the vehicle.

2. After inspecting the loss of the vehicle, the two parties should check and verify each other, including the driver's license, driving license, as well as the compulsory traffic insurance mark and the vehicle inspection mark.

3. After confirming that the certificate is complete, the two parties will contact each other to bury the dust, and confirm that there is no problem.

4. If the two parties cannot determine the responsibility, they can collect evidence, such as taking pictures or marking the location of the vehicle with chalk.

5. The two parties will drive the car away or move the car to a position that does not affect the normal driving of the road, and then negotiate the responsibility for the accident, fill in the quick processing form, and report to the insurance company.

6. In accordance with the responsibilities negotiated by both parties, the non-responsible party shall go to the insurance company of the responsible party to handle the insurance claim.