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Legal analysis: 1. Insurance policy;
2. The insured's valid identity certificate, insured vehicle driving license, and driver's driving license;
3. The traffic accident liability determination issued by the traffic management department of the public security organ or the relevant legal documents and other certificates issued by the court and other institutions, and the proof of the amount of compensation obtained through compulsory traffic insurance;
4. If the insured chooses to handle the traffic accident through negotiation on its own in accordance with the relevant laws and regulations, it shall provide an agreement to record the traffic accident in accordance with the provisions of the "Provisions on Traffic Accident Handling Procedures";
5. If the third party is responsible for compensation but the third party cannot be found, the accident that occurs on the road shall provide the certificate identified and issued by the traffic management department of the public security organ; In the case of accidents in other places, a certificate issued by the local public security organ shall be provided;
6. Other relevant certificates and materials that can confirm the nature, cause, and degree of loss of the insured accident.
Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 28 If the insured motor vehicle is involved in a road traffic accident, the insured shall apply to the insurance company for compensation for insurance money. The insurance company shall, within one day from the date of receipt of the compensation application, inform the insured in writing of the proof and materials related to the compensation that need to be provided to the insurance company.
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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.
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Here's how to fix it:
1. Loss of export goods.
1. The insurer submits a claim application to the foreign claimant specified in the insurance policy;
2. Insurance companies in major ports and cities in the world have set up two kinds of institutions, the former is responsible for inspecting the loss of goods. After obtaining the inspection report, the consignee attaches other documents to claim compensation from the issuing company, which can directly handle the compensation case and pay the compensation on the spot within a certain amount of authorization.
2. Materials required for claim.
1. Original insurance policy or insurance certificate;
2. Contract of carriage;
3. Invoice; 4. a packing list;
5. Letters, telegrams or other documents requesting compensation from the carrier and other third-party responsible parties, as well as documents proving that the insured has fulfilled the recovery procedures that should be completed;
6. The inspection report issued by the foreign insurer or the foreign third-party notary agency;
7. Maritime report. The loss of goods caused by maritime affairs is generally compensated by the insurance company, and the ship owner is not liable;
8. Proof of damage and difference in goods;
9. List of claims, etc.
Extended information: 1: The express claim amount shall be paid according to the agreement between the two parties.
If there is no agreement between the two parties on the compensation matters, the compensation shall be made according to the insured amount for the express mail (mail) purchased with the insured value. For express mail (mail) that has not purchased insurance, according to the actual loss compensation, the maximum compensation amount shall not exceed three times of the fee charged.
2: What is the difference between a visa refusal and a return:
There are three differences between returning and refusing to sign after signing:
1. Convenience: Refuse to sign: When the Kuaishan Sun courier comes to deliver the goods, he directly refuses to accept them, and the goods are returned to the seller in the original way. Return after signing: You need to go to the courier company to fill in the information and send the items back.
2. Operation: Refuse to sign: It is convenient and trouble-free, and you can refuse to sign by directly explaining the problem. Return after signing: When you sign for the receipt, you need to click on **Click to apply for a return, and choose to return the refund, which is troublesome to operate.
3. Cost: Refuse to sign: no additional charge is required. Return after signing: You need to bear the courier fee and mail it to the seller, and you need to wait for the seller to confirm the receipt before you can get a refund.
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