How to apply for insurance if the car is scratched, and can I apply for insurance if I scratch the c

1. The process of applying for insurance is like this:

First of all, after the accident, you have to confirm that both people are okay, and if there is a ** situation, you should call the police immediately.

Then, stop to check the situation, and if you are in a crowded area, take a photo before parking in an open space. If you can't negotiate a solution, call the police on 110 and report the case to the insurance company.

Secondly, when the traffic police determine the responsibility for the accident, the insurance company will investigate the scene and record the accident information.

Then, go to the claims service center to assess the damage, and keep the repair invoice when repairing the car, so as to facilitate the claim afterwards.

Finally, it's time to receive the compensation.

In addition, the owner needs to provide ID card, driving license, driver's license, invoice, insurance notice, damage assessment form and other information when making a claim. Note that you must be fully prepared, and the insurance company will not accept the incomplete information key.

2. Since scratching is inevitable, if it is not serious, it only needs hundreds or even dozens to be repaired, it is best not to find an insurance company, it is not very cost-effective, the insurance company has a number of times for this, and too many times will affect the premium. However, if it is more serious or the repair cost is high, you can find an insurance company.

Many people think that car insurance is a pit, and if there is no accident, the insurance premium will be paid in vain, but insurance is not good if you don't buy it, and it plays an extremely important role at a critical time. The rules of insurance can change at any time, so you should familiarize yourself with the rules of insurance and try to avoid spending money in vain.

If you don't carelessly scratch your car, you can take insurance, provided that you buy car damage insurance. This is a type of vehicle accident insurance.

It is best for the owner to keep the evidence at the scene and report to the insurance company within 48 hours, if it exceeds 48 hours, the owner needs to report to the insurance company with the relevant materials.

However, if it is a minor scratch, it is recommended that the user can deal with it by himself, and the insurance company's insurance will affect the car insurance rate when the car owner renews the next year.

Car damage insurance is a must-buy type of car insurance, after purchasing car damage insurance, when the vehicle is damaged, you can apply for car damage insurance compensation.

Extended Information: Car Scraped Away Insurance Steps:

2. After the insurance company's survey personnel arrive at the scene, they will confirm the cause, nature and loss of the accident. For some small scratch accidents, the insurance officer will let the owner take a photo of himself and send it to WeChat.

3. Then there is the process of damage assessment, the repair shop will price the loss of the vehicle, and the insurance personnel and the owner will sign and confirm after no objection.

4. Collect the required materials of the case and submit them to the insurance personnel for claim procedures.

5. The insurance company can pay the car owner's account after being reviewed by different departments and confirmed. Some insurance companies that pay direct compensation do not require the owner to pay in advance, so the payment will be paid directly to the repair shop.

What you must not say when reporting a car insurance report:

1) Two or three days after the accident, because most insurance companies fail to report within 48 hours, they will not make a claim to the owner.

2) If you can't find your driver's license, this situation will be recognized as driving without a license and you will be released, and driving without a driver's license will also be denied compensation, so find a way to get your driver's license back.

3) The vehicle has been repaired, take the invoice and reimburse the insurance company, in this case, the insurance company has the right to refuse the compensation, because the vehicle has been repaired, and the insurance company cannot determine whether you have made false invoices and defrauded the compensation.

However, the owner does not have to worry too much, because even if he hits the stone pier, he can also get insurance to accompany him, but he needs to keep the first scene of the accident after the accident and take pictures for evidence, if he does nothing and goes directly, it will produce 30% free odds, and the claim can only pay 70% after the fact, which is why the gearbox is broken and the insurance compensation is 70%.

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.

Summary. You can go for insurance. If you scrape the car yourself, it means that it is a unilateral accident, and there is no loss of the three, report to the car insurance company within 48 hours, and the insurance company will send a special damage assessor to assess the damage, but if it exceeds 48 hours, you will need to bring your original ID card to the insurance company to report.

The insurance company's rate fluctuation rule is: new car or less than 3 claims in the previous year, the premium remains the same. If there are 3 claims, the premium will rise by 10%, if there are 4 claims, the premium will increase by 20%, and if there are 5 or more claims, the premium will increase by 30%, otherwise, if there is no claim in the previous year, the premium will be 9% off, and if there is no claim for two consecutive years, the premium will be 20% off.

If you scrape the car yourself, the cost of the next year's premium** exceeds the cost of your own repair, it is recommended not to take the insurance, choose to repair it yourself, on the contrary, if the scratch is too serious, the cost of your own repair far exceeds the cost of the annual premium ** after the insurance, it is recommended to go directly to the insurance.

Hello dear! OK.

You can go for insurance. If you scrape the car, it means that it is a unilateral accident, no three losses, report to the car insurance company within 48 hours, and the insurance company will send a special damage assessor to assess the damage, but if it exceeds 48 hours, you will need to bring your original ID card to the insurance company to report. The insurance company's rate sliding rules are:

If there are less than 3 claims for a new car or in the previous year, the premium will remain unchanged. In the event of 3 claims, the premium will rise by 10%, in the event of 4 claims, the premium will increase by 20%, and in the event of 5 or more claims, the premium will increase by 30%, on the contrary, if there is no claim in the previous year, the premium will be discounted by 9%, and if there is no claim for two consecutive years, the premium will be discounted by 20%. If you scrape the car, the cost of the insurance next year's premium ** exceeds the cost of your own repair, it is recommended not to take insurance, choose to repair yourself, on the contrary, if the scratch is too serious, the cost of your own repair is far more than the cost of the annual premium ** after the insurance, it is recommended to go directly to the insurance.

How do I apply for insurance?