Remote processing flow out driving holiday

During the Spring Festival is a reunion day holiday, if the car accident in the field, how quickly will be damaged, properly claim? The traffic accident compensation center based on years of experience draw: remote claim shall promptly notify the local traffic control departments, and in48Hours to the insurance company. At the same time, after be or get out of danger, the owners need to pay attention to the protection of the scene. Now in the law net netizen article forwarded to friends, as a reference.

A claim for loss: there are two kinds of damage modes available: out of nearby loss and return policy where the loss. Therefore the acceptance report from danger nearby branch directly to complete the survey, will be damaged. However, during the holiday season loss insurance company is understaffed, many owners can only wait patiently, often is the first several hours.

Back to the policy of insurance. Need to be reminded that, in this way must be reported loss, and obtain the consent of the insurance company, or it may be the insurance company as Miss reporting period for processing. In addition, not all of the traffic accidents can take this loss, if the accident loss is larger or the occurrence of casualties, the vehicle must complete survey in the local.

Note that, be sure to record the case told your insurance company related information and contact telephone number, so you can always to the insurance company to survey personnel contact, get help. At the same time, can shoot photos as evidence with cameras or mobile phone, these photos will be afterwards loss insurance company and an important basis for determining the accident happened.

Two field collected:

In general, can be divided into four parts: first, from the front to the rear of the vehicle direction as panoramic photo at the scene of the accident, especially to the license plate number in the photo, the purpose is to let the insurance companies understand the general environment of the scene; secondly, the driver should and damaged vehicles take a group photo, this time also to have the vehicle panoramic, objective after identification of the person responsible for the accident; thirdly, close range, multi angle to take vehicles and collision situations, such as a car with a tape measure, can be damaged area marked in the picture; finally, the vehicle can move, the vehicle should be removed, take the vehicle damage location and collision object traces.

To circumvent the three no claims:

A lot of new car owners to buy insurance, often think that as long as the traffic accident, compensation for losses shall be borne by the insurance company. That is not the case, there are many cases, the insurance company is not paid. Then, in the insurance claims process, which is easy to be China Insurance Company? Owners should pay attention to what the problem? In response, the industry to remind: the following circumstances, will not claim the insurance company.

1After be or get out of danger, did not promptly report according to insurance contract, place within the insurance after the accident, the insured shall report to the traffic management department immediately, at the same time48Hours to the insurance company to report, because did not promptly report to the responsibility of the insurance company or the loss of accident insurance cannot be determined, the insurance company has the right to refuse to compensate the loss of the accident.

2Driver's license, fails to verify reporter in each insurance company insurance policy terms are found: no driver's license or driving license expired, not according to the provisions of the name of a driver's license, temporarily, detain, revocation, cancellation of a driver's license during driving the insured motor vehicle belong to the exemption. In addition, the driver and the quasi driving type does not match, not officially registered vehicle theft accidents, the insurance company will refuse payment.

3, drunk driving: during the Spring Festival family reunion, inevitably drink. In particular, the traffic accident insurance company refused to pay for drunk driving happened, at the same time the driver will bear the corresponding legal responsibility. Therefore, any time all to remember, don't drive drunk.

4Vehicle losses, according to the provisions of insurance, the vehicle suffered losses, without the necessary repair continue to use the vehicle insurance, the insurance company shall not compensate losses. Therefore, the owner is not familiar with the vehicle structure case, continue to do not use or move your vehicle after the accident, should pay attention to protect the scene, timely alarm, and contact with the insurance company, lest because of unauthorized start the vehicle damage.

 

 

Common problems of car be or get out of danger? How to claim? Auto insurance matters needing attention!

 

In general, the car on the insurance, but if once the accident, how to claim? What claim advantage for yourself, what has the advantage to own? The following one one share.

In view of the insurance company provision obscure, many people do not know how to claim, how to safeguard their legitimate rights and interests, this article explain profound theories in simple language to teach you how to deal with insurance companies, there are four parts, which are:

(a) car damage, third

(two) lost car

(three) the crash

(four) a claim

(a) car damage, third

Case1:

If your car has been building in the earthquake hit

Method: a few days after the earthquake to apply for compensation

Claim statement: probably because the earthquake caused the wall loosening, finally one day in the fall (not to mention the earthquake loss)

Case2:

If you are in an emergency brake, the car in the east to the windscreen glass rupture caused by. What can you say?

Out: a statement I practiced iron tougong friends smashed windscreen on the brakes,OK!

Case3:

If you are in tow when another car collided at

Claim statement: don't mention you in the towing vehicle or be towed, or whether you have the responsibility of the accident, the insurance company will not compensate

Case4:

If you are in an accident, breaking the glass itself is not dangerous on the glass, you may claim compensation from the insurance company?

Glass insurance's full name is: breakage of glass, which is caused by parking and the use of glass damage, and accidents caused by the glass damage by car caustic danger for payment

The old tactics-When driving, braking caused, and head to blame! (remember to find a similar height to my friends ah), if the side of the glass is broken, said side head well!

Expert guide: Auto remote claim

The insurance company received remote auto report increased, high speed, the National Road and highway area has become endemic area of accident, in addition to scratch, incident, during the Spring Festival of traffic accidents, there are a lot of people injury cases. After the Spring Festival, these different out of vehicles have entered the claims process, recently is a claim of a small peak.

How to make best use of their insurance insurance to safeguard the rights and interests, to make up the losses became owners concerned about the topic, the consumer financial investigation process insurance claims, unriddling for everybody.

Insurance claims process flow chart

 

Raiders1Must48Hours of report

2Month1Day, Mr. Yang drove his family from Guangzhou to Hunan home, in the Hong Kong and Macao Expressway because overtaking and parallel a car was scraped. Because had the Spring Festival approaching, Mr. Yang and others are in a hurry, and the injuries were not serious, Mr. Yang to each other200Yuan compounding. After the 5th day of the lunar new year back to Guangzhou, Mr. Yang to car only to call the insurance company to report, prepared to let the insurance companies to repair costs. But in a report, Mr. Yang was told not to accept insurance, direct reason is that over reporting time.

"The accident after be or get out of danger, should first alarm, by law enforcement agencies to determine the responsibility of insurance company reported before dialing the telephone report; if is unilateral accident, should be timely call telephone. All reports must be in48Hours, otherwise we will not accept." Anbang insurance Guangdong Branch claims manager told reporters. While48Hours of report is the industry standard, Mr. Yang after a few genius report has clearly exceeds the time limit, so the car loss only by themselves. Because according to the provisions of relevant laws and regulations as well as the insurance terms, the owner shall promptly report to the insurance company, the accident investigation. If the owner did not promptly report, the claim is unable to provide supporting documents, leading to the insurance company cannot determine the insurance liabilities, this situation will not go to the insurance company for compensation.

 

Experts suggest that []

In the report, should pay attention to the correct description of his accident after and losses. When to buy insurance, to choose experience, responsible professionals or professional bodies, rather than where cheap where to buy, that will make you very passive, the risk will not know what course to take."Professional experience is accumulated out of hundreds of thousands of claims, proper guidance, reduce the expression of error. Right not cheap, must suffer wrong. The insurance company telephone consultation will be recording, it is not just to supervise the operator is polite, because the recording can be used as the evidence of decline."

Raiders2: car damage smaller preferred to underwriting to repair

 

With the loss, the owner may choose in the local repair in a report, or return to Guangzhou after the repair."In general, a slight loss, does not affect the choice to repair can be insured safety case. But if the vehicle losses lead to the vehicle cannot exercise or body security situation is not good, we recommend that customers in the local repair."PICC Guangdong Branch claims responsible person said, if it is determined that the need for repair in the local, the loss of the branch is responsible for the loss."We suggest that, if the need in the field repair priorities we recommend repair shop for maintenance, repair units generally recommended strength, good reputation, familiar with the insurance claims process, the convenience of customers for the claim."

Experts suggest that []

1If you want to in the accident the local repair, pay attention to repair in the insurance company to confirm the loss items and prices, to obtain insurance company loss report. Because if the actual repair costs more than the insurance company that loss, so this part of costs borne by the owners themselves. Therefore, when the field repair, due to the unfamiliar, the best choice of insurance company recommended repair point. If the back cover, can be more inclined to choose their own repair point.

2If the insurance company to investigate personnel not to the site, they secretly dismantling of vehicle accidents, causing losses can not be confirmed, the insurance company is not responsible for compensation.

3In the absence of such insurance companies approved repair plan and price situation, self repair, the post requires the owner to his own pocket.

[over]

1Do you want to choose4SShop repair?

Since referred to repair the topic, whether must choose4SShop for repair also has been a focus of debate. We mostly think owners:4SStore normal, strength, use is genuine parts, repair more confidence. And that the insurance company: not all repair are in4SStore, because4SRepair shop and higher cost."The insurance company claims, is nothing more than reduce the cost. In some repair, the relentless pressure low repair price. These prices are in accordance with the empirical data of industry to perform, including: material costs, labor costs. Some of the guests have to go4SThe shop to repair, and4SMan hour cost store can be said to be far higher than the industry average, which is one of the reasons for low-cost insurance company. Besides the cost of materials,4SShop is all original accessories, the price definitely less than vice plant parts of your."For many years engaged in the insurance services, Mr. Hu said, the owners want good repair quality, the insurance company to reduce costs, this is a sharp contradiction, contradiction is reflected in the price on the claims will be damaged. He suggested that, for some simple repair, can not choose4SShop to carry on, and find some trusted repair factory can, and if the repair costs are divided,"Try patiently claim with the insurance company of the Claims Officer patient communication, call every day is not the answer, but communication endless justified."

 

Raiders3: the slight accident owners live camera can obtain claims

 

Chose after several days after the report, Mr. Yang is the fear of a report to a survey members to the site survey, also will be damaged, repair, will delay their journey home. In fact, during the Spring Festival, many in the field has the slight accident owners have such concerns, so there are quite a few owners would choose private, bear all losses. According to insurance company staff introduced, usually there are some people in the urban areas, had a little accident at work time, results for fear of delay time and do not report to the police. In surveying, many insurance companies will provide some convenience to the customers.

For example, Pacific Insurance, Ping An insurance have launched a priority handling mechanism implements the different cases. Guangdong Branch of the Pacific Insurance claims department responsible person told the reporter, if is the slight accident cases, they can guide the client to take site and damaged parts, back to the local or remote Pacific insurance loss to reduce customer loss, delay too much time in different places. And there are the claims officer told reporters, during the Spring Festival in danger more, but in general the accident occurred on the highway, the insurance company is also more difficult to conduct on-site survey damage, will choose to let customers photographed the scene to the fixed point next to highway surveying,"No more than the general2000A small accident yuan, can be the scene photos back to Guangzhou to damage, repair, not delay too long." The company also said, the informant also can consult the site survey time with them, such as the slight accident, if it is an emergency must leave, can also carry out complex geological prospecting and the insurance company agreed to the second day to the scene. And if it is a serious accident, the insurance company usually need to field mapping.

Experts suggest that []

1The insurance company whether the site survey, therefore, require owners to negotiate with the insurance company. For minor accidents, to save the scene photos, and as far as possible to the insurance company to state clearly your situation. To reach an agreement with the insurance company, can not wait for the site survey case drive away, otherwise, the insurance company can reject.

2Claim the expert also reminds, in addition to the size of the effect of accident, insurance companies are present survey also and owners of qualifications,"If the owners claim number more, the insurance company may be required to conduct on-site survey."

Raiders4When claims: complete information is the key

After the accident, the most important thing is to claim, the owner can save or make up his loss. But after doing report, damage, a series of work, the claim will formally started. "The data is ready, claim key", this is a reporter in the interview to hear the most expert tips, less which items may make the claim cannot be.

And in the local insurance claims procedure, then back to the insured, the owners need to provide the insurance company: motor vehicle insurance claim application; proof of related accidents, such as traffic accident; accident vehicle damage single; vehicle repair and rescue fee invoice invoice; driver's license; the accident vehicle driving license; insured ID. If the accident involving casualties, there is also a need to provide insurance: accident, mediation, economic compensation vouchers; casualty identity, to prove the diagnosis, medical expenses, medical expenses effectively receipts and the corresponding list of expenses(Or prescription)That delays, reduce, proof of income, proof of nursing.

Material submitted, materials complete cases in accordance with the size of the loss amount can be1Working days to15Working days for payment.

Experts suggest that []

1According to the compensation project is different, need to provide the following information may also be different, in order to prevent the omission, should have more communication with the insurance company customer service staff, confirm the specific to submit information, rather more not less. If you don't understand, just ask. For example, asked the policeman: oSir, I am a novice, I don't have the experience, is to me are not all the formalities to my data?

Ask: Hello, I'm not repair factory experience of claim, my money is paid, Is it right? All claim handling information to me? Is it right? By these data can apply for the claim?

2In particular, for another loss of car owners, should also keep the corresponding Luqiao fees, to prove that the vehicle had to the scene evidence.

Focus: fireworks fire auto claims the highest 70%

The Spring Festival fireworks, the car was hurt. These two days, the insurance company has received vehicle injured by fireworks report, some were fireworks directly wounded, some were fireworks in the residue after crushing air explosion. The insurance company is to compensate, how to compensate, not only many owners confused, insurance companies that are not the same.

At present, in the insurance program, are not specific for motor vehicle insurance, auto insurance project of fireworks, the owner can only deductible and breakage of glass for vehicle damage claims by car caustic danger, regardless of.

"The actual claims to two cases." A customer service staff of PICC said, if the vehicle is fireworks direct injuries, burns, the insurance company is not compensation, the owner can only find fireworks third party claim.

Alternatively, if the fireworks in the sky after the explosion, the remaining residue(Such as cardboard or mud etc.)Fall down and hurt the vehicle, the insurance company is to carry out compensation, but the precondition is that the owners must buy the vehicle damage insurance. At the same time, with this kind of claim30%Absolute 免赔率. That is to say, the insured vehicle place within the insurance loss, the third party should be responsible for compensation, did not find the third party, the insurance company shall make compensation for the losses, but in accordance with the provisions of the scope of compensation in the deductible franchise, insurance companies can only claim70%.

In addition, if the vehicle glass is damaged, either directly or by injured by falling object, Che Sunxian cannot be compensated for, must have the breakage of glass can therefore compensation at.

With the PICC position different, Ping An insurance customer service staff said, vehicle both injured by fireworks or injured, theory can be carried out on the first car caustic danger range, deductible franchise is30%. But how much damage, but also after the survey members to field investigation after claims department examination in order to have a clear view. At the same time, glass is damaged and must also have the breakage of glass to compensation.

Although insurance companies is different, but the owners in the face of firecrackers fried the car after the accident, should be the first time to report, make claims personnel to the scene to decide. At the same time, car mainly as far as possible to find the third party evidence, such as residential security, video surveillance, to prove that the vehicle is injured by fireworks and firecrackers.

Insurance experts remind owners, the best car park in the underground parking lot, if stopped at the cell surface, try not to stop in the surrounding grass, trash or flammable and explosive objects. In addition, driving on the road, if encountered in front of people set off firecrackers and fireworks, the best waiting at a safe distance, so as to avoid the car accidentally injured, cause a series of problems.

To remind: four conditions can not be ignored

[private]

500Yuan can be considered private

Mr. Yang in vehicles scratch after the accident, because it is his responsibility, and vehicle damage is not serious, for fear of trouble on the selection and other private. In fact, many owners for some small accident will choose private, while insurance companies have to remind the owners do not private, but it is not absolutely can not private.

The partial professionals and senior owner also suggest, part of the small accident can be considered private, in general500Limited element within the accident. The so-called private, refers to both their own accident compensation issues, do not report to the insurance company. This view seems to be insured, insurance does not claim, is not cost-effective. But in fact, because of the emergence of the premium has been with the vehicle on a yearly frequency linked, if appear many times, then second years of insurance premium will rise. In Guangdong standards as an example, a year out of more than3Second, the rate will be floating in the benchmark rate. Moreover, times and each time the accident danger is not the size of the hook, even if the accident only claim to the insurance company1Yuan, will be recorded as1Time out. But if one year loss in5More than once, it may be second years the insured to the insurance company.

"Of course, this is not to suggest that everybody go private, more is to remind you to drive safely, to avoid the occurrence of traffic accidents." Insurance experts said, but if it is a serious accident, not private, without traffic police and the insurance company of the accident was solved in private, then the vehicle repair costs will not be able to obtain insurance. But if the claim amount in the accident is smaller, the owner can solve themselves, because the insurance period without claims records, the renewal can enjoy preferential premium.

[] mechanical fault

The insurance company no matter

The car broke down halfway out of the fault,, this situation does not within the insurance coverage , should not go to the insurance company. However, this does not mean that the insurance company will also not help what busy. Understand according to the reporter, insurance company part of the inner customers, have launched the road rescue service, generally for the insured the car damage insurance customer vehicle fault, it can be sent rescue workers to repair or contact the Towing Co for the trailer, trailer fee of course is to do something.

[cost]

The vehicle can obtain compensation claim

The vehicle after a traffic accident and could not move, need to use the cart road rescue, this part of the trailer fees within the car damage insurance coverage. "In terms of insurance, there is compensation for reasonable rescue expenses, such as vehicle after the accident can not be moved, so need to trailers; vehicle rollover occurred in the accident, it also need the trailer. These are all reasonable rescue, so there is a certain compensation, limit within the automobile physical damage insurance compensation." Insurance experts told reporters, in Guangzhou City, the general car trailer fees in250Element in the300Yuan between, if on the highway, then ordinary Towing Co is unable to enter the trailer, must by the traffic police arrangements trailer to exit from the freeway, this part of the cost difference is relatively large. The claims, the need to provide proof of the corresponding charges.

Vehicle theft []

Not fully compensated

Drive out of town, will also increase the risk of robbery. Once the vehicle is stolen, the first time to report to the public security criminal investigation departments and insurance companies claim. Insurance is used as a compensation for the loss occurred, the whole car theft is not entitled to full compensation, the following provisions in this regard: the whole car loss, franchise for20%If there is complete; car loss, the insured fails to provide the "motor vehicle driving permit", "motor vehicle registration certificate", vehicle origin certificate, proof of vehicle purchase tax payment(Vehicle purchase surcharge payment certificate)Or tax exemption certificate, each lacks a franchise, increase1%The specified drive; insurance, accident insurance for non designated driver using the insured motor vehicle, increase the franchise5%When insured; contract running area, accident insurance in terms of travel outside the region, increase the franchise10%.

Remote processing flow out driving holiday

During the Spring Festival is a reunion day holiday, if the car accident in the field, how quickly will be damaged, properly claim? The traffic accident compensation center based on years of experience draw: remote claim shall promptly notify the local traffic control departments, and in48Hours to the insurance company. At the same time, after be or get out of danger, the owners need to pay attention to the protection of the scene. Now in the law net netizen article forwarded to friends, as a reference.

A claim for loss: there are two kinds of damage modes available: out of nearby loss and return policy where the loss. Therefore the acceptance report from danger nearby branch directly to complete the survey, will be damaged. However, during the holiday season loss insurance company is understaffed, many owners can only wait patiently, often is the first several hours.

Back to the policy of insurance. Need to be reminded that, in this way must be reported loss, and obtain the consent of the insurance company, or it may be the insurance company as Miss reporting period for processing. In addition, not all of the traffic accidents can take this loss, if the accident loss is larger or the occurrence of casualties, the vehicle must complete survey in the local.

Note that, be sure to record the case told your insurance company related information and contact telephone number, so you can always to the insurance company to survey personnel contact, get help. At the same time, can shoot photos as evidence with cameras or mobile phone, these photos will be afterwards loss insurance company and an important basis for determining the accident happened.

Two field collected:

In general, can be divided into four parts: first, from the front to the rear of the vehicle direction as panoramic photo at the scene of the accident, especially to the license plate number in the photo, the purpose is to let the insurance companies understand the general environment of the scene; secondly, the driver should and damaged vehicles take a group photo, this time also to have the vehicle panoramic, objective after identification of the person responsible for the accident; thirdly, close range, multi angle to take vehicles and collision situations, such as a car with a tape measure, can be damaged area marked in the picture; finally, the vehicle can move, the vehicle should be removed, take the vehicle damage location and collision object traces.

To circumvent the three no claims:

A lot of new car owners to buy insurance, often think that as long as the traffic accident, compensation for losses shall be borne by the insurance company. That is not the case, there are many cases, the insurance company is not paid. Then, in the insurance claims process, which is easy to be China Insurance Company? Owners should pay attention to what the problem? In response, the industry to remind: the following circumstances, will not claim the insurance company.

1After be or get out of danger, did not promptly report according to insurance contract, place within the insurance after the accident, the insured shall report to the traffic management department immediately, at the same time48Hours to the insurance company to report, because did not promptly report to the responsibility of the insurance company or the loss of accident insurance cannot be determined, the insurance company has the right to refuse to compensate the loss of the accident.

2Driver's license, fails to verify reporter in each insurance company insurance policy terms are found: no driver's license or driving license expired, not according to the provisions of the name of a driver's license, temporarily, detain, revocation, cancellation of a driver's license during driving the insured motor vehicle belong to the exemption. In addition, the driver and the quasi driving type does not match, not officially registered vehicle theft accidents, the insurance company will refuse payment.

3, drunk driving: during the Spring Festival family reunion, inevitably drink. In particular, the traffic accident insurance company refused to pay for drunk driving happened, at the same time the driver will bear the corresponding legal responsibility. Therefore, any time all to remember, don't drive drunk.

4Vehicle losses, according to the provisions of insurance, the vehicle suffered losses, without the necessary repair continue to use the vehicle insurance, the insurance company shall not compensate losses. Therefore, the owner is not familiar with the vehicle structure case, continue to do not use or move your vehicle after the accident, should pay attention to protect the scene, timely alarm, and contact with the insurance company, lest because of unauthorized start the vehicle damage.

 

 

Common problems of car be or get out of danger? How to claim? Auto insurance matters needing attention!

 

In general, the car on the insurance, but if once the accident, how to claim? What claim advantage for yourself, what has the advantage to own? The following one one share.

In view of the insurance company provision obscure, many people do not know how to claim, how to safeguard their legitimate rights and interests, this article explain profound theories in simple language to teach you how to deal with insurance companies, there are four parts, which are:

(a) car damage, third

(two) lost car

(three) the crash

(four) a claim

(a) car damage, third

Case1:

If your car has been building in the earthquake hit

Method: a few days after the earthquake to apply for compensation

Claim statement: probably because the earthquake caused the wall loosening, finally one day in the fall (not to mention the earthquake loss)

Case2:

If you are in an emergency brake, the car in the east to the windscreen glass rupture caused by. What can you say?

Out: a statement I practiced iron tougong friends smashed windscreen on the brakes,OK!

Case3:

If you are in tow when another car collided at

Claim statement: don't mention you in the towing vehicle or be towed, or whether you have the responsibility of the accident, the insurance company will not compensate

Case4:

If you are in an accident, breaking the glass itself is not dangerous on the glass, you may claim compensation from the insurance company?

Glass insurance's full name is: breakage of glass, which is caused by parking and the use of glass damage, and accidents caused by the glass damage by car caustic danger for payment

The old tactics-When driving, braking caused, and head to blame! (remember to find a similar height to my friends ah), if the side of the glass is broken, said side head well!

Expert guide: Auto remote claim

The insurance company received remote auto report increased, high speed, the National Road and highway area has become endemic area of accident, in addition to scratch, incident, during the Spring Festival of traffic accidents, there are a lot of people injury cases. After the Spring Festival, these different out of vehicles have entered the claims process, recently is a claim of a small peak.

How to make best use of their insurance insurance to safeguard the rights and interests, to make up the losses became owners concerned about the topic, the consumer financial investigation process insurance claims, unriddling for everybody.

 

Insurance claims process flow chart

 

Raiders1Must48Hours of report

2Month1Day, Mr. Yang drove his family from Guangzhou to Hunan home, in the Hong Kong and Macao Expressway because overtaking and parallel a car was scraped. Because had the Spring Festival approaching, Mr. Yang and others are in a hurry, and the injuries were not serious, Mr. Yang to each other200Yuan compounding. After the 5th day of the lunar new year back to Guangzhou, Mr. Yang to car only to call the insurance company to report, prepared to let the insurance companies to repair costs. But in a report, Mr. Yang was told not to accept insurance, direct reason is that over reporting time.

"The accident after be or get out of danger, should first alarm, by law enforcement agencies to determine the responsibility of insurance company reported before dialing the telephone report; if is unilateral accident, should be timely call telephone. All reports must be in48Hours, otherwise we will not accept." Anbang insurance Guangdong Branch claims manager told reporters. While48Hours of report is the industry standard, Mr. Yang after a few genius report has clearly exceeds the time limit, so the car loss only by themselves. Because according to the provisions of relevant laws and regulations as well as the insurance terms, the owner shall promptly report to the insurance company, the accident investigation. If the owner did not promptly report, the claim is unable to provide supporting documents, leading to the insurance company cannot determine the insurance liabilities, this situation will not go to the insurance company for compensation.

 

Experts suggest that []

In the report, should pay attention to the correct description of his accident after and losses. When to buy insurance, to choose experience, responsible professionals or professional bodies, rather than where cheap where to buy, that will make you very passive, the risk will not know what course to take."Professional experience is accumulated out of hundreds of thousands of claims, proper guidance, reduce the expression of error. Right not cheap, must suffer wrong. The insurance company telephone consultation will be recording, it is not just to supervise the operator is polite, because the recording can be used as the evidence of decline."

Raiders2: car damage smaller preferred to underwriting to repair

 

With the loss, the owner may choose in the local repair in a report, or return to Guangzhou after the repair."In general, a slight loss, does not affect the choice to repair can be insured safety case. But if the vehicle losses lead to the vehicle cannot exercise or body security situation is not good, we recommend that customers in the local repair."PICC Guangdong Branch claims responsible person said, if it is determined that the need for repair in the local, the loss of the branch is responsible for the loss."We suggest that, if the need in the field repair priorities we recommend repair shop for maintenance, repair units generally recommended strength, good reputation, familiar with the insurance claims process, the convenience of customers for the claim."

Experts suggest that []

1If you want to in the accident the local repair, pay attention to repair in the insurance company to confirm the loss items and prices, to obtain insurance company loss report. Because if the actual repair costs more than the insurance company that loss, so this part of costs borne by the owners themselves. Therefore, when the field repair, due to the unfamiliar, the best choice of insurance company recommended repair point. If the back cover, can be more inclined to choose their own repair point.

2If the insurance company to investigate personnel not to the site, they secretly dismantling of vehicle accidents, causing losses can not be confirmed, the insurance company is not responsible for compensation.

3In the absence of such insurance companies approved repair plan and price situation, self repair, the post requires the owner to his own pocket.

[over]

1Do you want to choose4SShop repair?

Since referred to repair the topic, whether must choose4SShop for repair also has been a focus of debate. We mostly think owners:4SStore normal, strength, use is genuine parts, repair more confidence. And that the insurance company: not all repair are in4SStore, because4SRepair shop and higher cost."The insurance company claims, is nothing more than reduce the cost. In some repair, the relentless pressure low repair price. These prices are in accordance with the empirical data of industry to perform, including: material costs, labor costs. Some of the guests have to go4SThe shop to repair, and4SMan hour cost store can be said to be far higher than the industry average, which is one of the reasons for low-cost insurance company. Besides the cost of materials,4SShop is all original accessories, the price definitely less than vice plant parts of your."For many years engaged in the insurance services, Mr. Hu said, the owners want good repair quality, the insurance company to reduce costs, this is a sharp contradiction, contradiction is reflected in the price on the claims will be damaged. He suggested that, for some simple repair, can not choose4SShop to carry on, and find some trusted repair factory can, and if the repair costs are divided,"Try patiently claim with the insurance company of the Claims Officer patient communication, call every day is not the answer, but communication endless justified."

 

Raiders3: the slight accident owners live camera can obtain claims

 

Chose after several days after the report, Mr. Yang is the fear of a report to a survey members to the site survey, also will be damaged, repair, will delay their journey home. In fact, during the Spring Festival, many in the field has the slight accident owners have such concerns, so there are quite a few owners would choose private, bear all losses. According to insurance company staff introduced, usually there are some people in the urban areas, had a little accident at work time, results for fear of delay time and do not report to the police. In surveying, many insurance companies will provide some convenience to the customers.

For example, Pacific Insurance, Ping An insurance have launched a priority handling mechanism implements the different cases. Guangdong Branch of the Pacific Insurance claims department responsible person told the reporter, if is the slight accident cases, they can guide the client to take site and damaged parts, back to the local or remote Pacific insurance loss to reduce customer loss, delay too much time in different places. And there are the claims officer told reporters, during the Spring Festival in danger more, but in general the accident occurred on the highway, the insurance company is also more difficult to conduct on-site survey damage, will choose to let customers photographed the scene to the fixed point next to highway surveying,"No more than the general2000A small accident yuan, can be the scene photos back to Guangzhou to damage, repair, not delay too long." The company also said, the informant also can consult the site survey time with them, such as the slight accident, if it is an emergency must leave, can also carry out complex geological prospecting and the insurance company agreed to the second day to the scene. And if it is a serious accident, the insurance company usually need to field mapping.

Experts suggest that []

1The insurance company whether the site survey, therefore, require owners to negotiate with the insurance company. For minor accidents, to save the scene photos, and as far as possible to the insurance company to state clearly your situation. To reach an agreement with the insurance company, can not wait for the site survey case drive away, otherwise, the insurance company can reject.

2Claim the expert also reminds, in addition to the size of the effect of accident, insurance companies are present survey also and owners of qualifications,"If the owners claim number more, the insurance company may be required to conduct on-site survey."

Raiders4When claims: complete information is the key

After the accident, the most important thing is to claim, the owner can save or make up his loss. But after doing report, damage, a series of work, the claim will formally started. "The data is ready, claim key", this is a reporter in the interview to hear the most expert tips, less which items may make the claim cannot be.

And in the local insurance claims procedure, then back to the insured, the owners need to provide the insurance company: motor vehicle insurance claim application; proof of related accidents, such as traffic accident; accident vehicle damage single; vehicle repair and rescue fee invoice invoice; driver's license; the accident vehicle driving license; insured ID. If the accident involving casualties, there is also a need to provide insurance: accident, mediation, economic compensation vouchers; casualty identity, to prove the diagnosis, medical expenses, medical expenses effectively receipts and the corresponding list of expenses(Or prescription)That delays, reduce, proof of income, proof of nursing.

Material submitted, materials complete cases in accordance with the size of the loss amount can be1Working days to15Working days for payment.

Experts suggest that []

1According to the compensation project is different, need to provide the following information may also be different, in order to prevent the omission, should have more communication with the insurance company customer service staff, confirm the specific to submit information, rather more not less. If you don't understand, just ask. For example, asked the policeman: oSir, I am a novice, I don't have the experience, is to me are not all the formalities to my data?

Ask: Hello, I'm not repair factory experience of claim, my money is paid, Is it right? All claim handling information to me? Is it right? By these data can apply for the claim?

2In particular, for another loss of car owners, should also keep the corresponding Luqiao fees, to prove that the vehicle had to the scene evidence.

Focus: fireworks fire auto claims the highest 70%

The Spring Festival fireworks, the car was hurt. These two days, the insurance company has received vehicle injured by fireworks report, some were fireworks directly wounded, some were fireworks in the residue after crushing air explosion. The insurance company is to compensate, how to compensate, not only many owners confused, insurance companies that are not the same.

At present, in the insurance program, are not specific for motor vehicle insurance, auto insurance project of fireworks, the owner can only deductible and breakage of glass for vehicle damage claims by car caustic danger, regardless of.

"The actual claims to two cases." A customer service staff of PICC said, if the vehicle is fireworks direct injuries, burns, the insurance company is not compensation, the owner can only find fireworks third party claim.

Alternatively, if the fireworks in the sky after the explosion, the remaining residue(Such as cardboard or mud etc.)Fall down and hurt the vehicle, the insurance company is to carry out compensation, but the precondition is that the owners must buy the vehicle damage insurance. At the same time, with this kind of claim30%Absolute 免赔率. That is to say, the insured vehicle place within the insurance loss, the third party should be responsible for compensation, did not find the third party, the insurance company shall make compensation for the losses, but in accordance with the provisions of the scope of compensation in the deductible franchise, insurance companies can only claim70%.

In addition, if the vehicle glass is damaged, either directly or by injured by falling object, Che Sunxian cannot be compensated for, must have the breakage of glass can therefore compensation at.

With the PICC position different, Ping An insurance customer service staff said, vehicle both injured by fireworks or injured, theory can be carried out on the first car caustic danger range, deductible franchise is30%. But how much damage, but also after the survey members to field investigation after claims department examination in order to have a clear view. At the same time, glass is damaged and must also have the breakage of glass to compensation.

Although insurance companies is different, but the owners in the face of firecrackers fried the car after the accident, should be the first time to report, make claims personnel to the scene to decide. At the same time, car mainly as far as possible to find the third party evidence, such as residential security, video surveillance, to prove that the vehicle is injured by fireworks and firecrackers.

Insurance experts remind owners, the best car park in the underground parking lot, if stopped at the cell surface, try not to stop in the surrounding grass, trash or flammable and explosive objects. In addition, driving on the road, if encountered in front of people set off firecrackers and fireworks, the best waiting at a safe distance, so as to avoid the car accidentally injured, cause a series of problems.

To remind: four conditions can not be ignored

[private]

500Yuan can be considered private

Mr. Yang in vehicles scratch after the accident, because it is his responsibility, and vehicle damage is not serious, for fear of trouble on the selection and other private. In fact, many owners for some small accident will choose private, while insurance companies have to remind the owners do not private, but it is not absolutely can not private.

The partial professionals and senior owner also suggest, part of the small accident can be considered private, in general500Limited element within the accident. The so-called private, refers to both their own accident compensation issues, do not report to the insurance company. This view seems to be insured, insurance does not claim, is not cost-effective. But in fact, because of the emergence of the premium has been with the vehicle on a yearly frequency linked, if appear many times, then second years of insurance premium will rise. In Guangdong standards as an example, a year out of more than3Second, the rate will be floating in the benchmark rate. Moreover, times and each time the accident danger is not the size of the hook, even if the accident only claim to the insurance company1Yuan, will be recorded as1Time out. But if one year loss in5More than once, it may be second years the insured to the insurance company.

"Of course, this is not to suggest that everybody go private, more is to remind you to drive safely, to avoid the occurrence of traffic accidents." Insurance experts said, but if it is a serious accident, not private, without traffic police and the insurance company of the accident was solved in private, then the vehicle repair costs will not be able to obtain insurance. But if the claim amount in the accident is smaller, the owner can solve themselves, because the insurance period without claims records, the renewal can enjoy preferential premium.

[] mechanical fault

The insurance company no matter

The car broke down halfway out of the fault,, this situation does not within the insurance coverage , should not go to the insurance company. However, this does not mean that the insurance company will also not help what busy. Understand according to the reporter, insurance company part of the inner customers, have launched the road rescue service, generally for the insured the car damage insurance customer vehicle fault, it can be sent rescue workers to repair or contact the Towing Co for the trailer, trailer fee of course is to do something.

[cost]

The vehicle can obtain compensation claim

The vehicle after a traffic accident and could not move, need to use the cart road rescue, this part of the trailer fees within the car damage insurance coverage. "In terms of insurance, there is compensation for reasonable rescue expenses, such as vehicle after the accident can not be moved, so need to trailers; vehicle rollover occurred in the accident, it also need the trailer. These are all reasonable rescue, so there is a certain compensation, limit within the automobile physical damage insurance compensation." Insurance experts told reporters, in Guangzhou City, the general car trailer fees in250Element in the300Yuan between, if on the highway, then ordinary Towing Co is unable to enter the trailer, must by the traffic police arrangements trailer to exit from the freeway, this part of the cost difference is relatively large. The claims, the need to provide proof of the corresponding charges.

Vehicle theft []

Not fully compensated

Drive out of town, will also increase the risk of robbery. Once the vehicle is stolen, the first time to report to the public security criminal investigation departments and insurance companies claim. Insurance is used as a compensation for the loss occurred, the whole car theft is not entitled to full compensation, the following provisions in this regard: the whole car loss, franchise for20%If there is complete; car loss, the insured fails to provide the "motor vehicle driving permit", "motor vehicle registration certificate", vehicle origin certificate, proof of vehicle purchase tax payment(Vehicle purchase surcharge payment certificate)Or tax exemption certificate, each lacks a franchise, increase1%The specified drive; insurance, accident insurance for non designated driver using the insured motor vehicle, increase the franchise5%When insured; contract running area, accident insurance in terms of travel outside the region, increase the franchise10%.