Automobile insurance standard claims process in 5 steps

 

   Step one: Report

 

   If the insurance accident insurance after the road vehicles, the traffic administrative department shall immediately occurred to the accident report, and call the insurance company telephone.

   If the non road vehicle insurance (such as small) insurance accident shall report to the public security administration, and in a timely manner (within 48 hours) report to the insurance company.

   If the injury involving human insurance accident insurance car, should be timely to rescue the injured, seriously injured report to the medical departments, and timely report to the insurance companies and consulting to the medical department of the nuclear damage.

   If the car accident insurance car, should be reported immediately to the local public security department (except force majeure factors do not report to the insurance company), at the same time, also should cooperate with the insurance company claims personnel record and on-site survey; to the newspaper to announce the audit department to stop; to road maintenance procedures; the public security organ reconnaissance; three months stolen vehicle recovery, the insurance company to pay for the repair cost caused by theft and robbery, three months after the car did not get back to the insurance company for rights assignment; submit the claim to the insurance company for claims procedures.

    

    TIPS1: all report must be within 48 h of the accident, otherwise the insurance company may refuse to claim.

    TIPS2: report a case to the security service to the insurance company personnel to conduct the follow-up claims steps consulting, record the important report number and related personnel.

 

 

   Step two: rescue, investigation and estimation

 

   Rescue:

   1, the occurrence of the insured and non insured need rescue on the highway, link, or elevated road cross river tunnel bridge, by the traffic police department responsible for rescue. Insurance accident with rescue invoice to insurance company claim for compensation, the insurance company bear some of the costs of. Non insurance accident rescue expenses paid for their own.

   The road outside 2, highway, link, or elevated road cross river tunnel bridge and non road accident insurance if you need to rescue, in a report to the insurance company, the insurance company will recommend rescue units to rescue service or insurance company after consultation by you my contact rescue unit for you, the insurance company shall be paid according to different conditions.

 

   The survey, loss:

   In order to be able to get to the accident as soon as possible, the insurance company has on-line damage points throughout the country, will be the first time rushed to the scene to conduct investigation, loss.

   1, site surveying: the insurance company will send professionals to quickly rushed to the scene to conduct investigation processing. The insured shall, jointly with the insurer inspection, determine the project, and cost of the repairs.

   2, don't need site surveying: the insurance accident vehicle towed away from the scene of the accident near repair plant. If the repair is the insurance company's remote damage points, can be directly on the accident vehicle damage. No, professional school can contact the insurance company to charge.

   3, if the insurance company did not send a loss in a limited amount of time to survey the damage, loss, the insured may negotiate with the insurance company, loss assessment institution for the stagnation point of insurance, insurance institutions to assess the loss should be recognized, but the insurance company on the authenticity of traffic accidents inspection, investigation right.

   4, the parties to the insurance company property loss evaluation is not recognized, before the vehicle is not repair can apply for assessment agencies for property loss and damage; the institutions to assess is not approved, may apply to the assessment agencies on a mechanism for re approved; the insurance company's loss or assessment agencies re approved shall not approval, may apply for arbitration or bring a lawsuit to the people's court according to law.

 

   TIPS1: loss insurance company personnel without loss of the vehicles can not repair itself, otherwise, the insurance company shall have the right to refuse compensation.

 

 

   Step three: repair

 

   Insured can select the accident car pulled to the insurance company designated repair shop (recommended), the garage can park your vehicle repair as soon as possible. At the same time repair factory can also help you to jointly handle the claim problems.

   Also can choose to drag their familiar accident car repair shop for repair.

 

TIPS1: the car accident according to project and the loss amount of damage repair, if the project and cost changes, should consult with the insurance company in advance.

TIPS2: now that there are a few unscrupulous repair factory customer repair vehicle forged two accidents for claims for their own interests. Please be vigilant, advises clients to those qualities better or insurance company recommended repair units for car accident repair.

 

 

   Step four: the claim documents

 

   Bicycle accident claims of required materials:

   1, copy of insurance; vehicle license is valid, deputy card (note the examination date); driver's license is valid, deputy card (pay attention to verify the date); the driver physical examination certificate (A, B according to need).

   2, the insurance company vehicle damage insurance; accident vehicle repair list and invoice.

   3, belonging to the road traffic accident, the insured shall provide issued by the public security traffic management departments or institutions such as courts of the certificate of the accident, the relevant legal documents (award, award, mediation, court verdict etc.); not processed belongs to non road traffic accident or traffic management departments of the accident, should be provide the relevant proof of accidents, such as a certificate issued by the police station, the security department, residential property management departments of the accident, and the police sealed to the local.

   4, personal bank card or business account.

   5, the insurance company documents collection point to fill out a claim form. (enterprise vehicle claims need a good seal, to claim the book on the sealed the insurer)

 

   Collision accident claims of required materials:

   1, the claim of books (enterprise vehicle claims to claim application on the sealed the insurer, insurance) Notice (insurance, the insurance company surveyor will give)

   2, copy of insurance. The vehicle license is valid, deputy card (note the examination date); driver's license is valid, deputy card (pay attention to verify the date); the driver physical examination certificate (A, B according to need).

   3, the insurance company vehicle damage insurance; repair list and invoice. (such as two cars have losses, for the two car repair list and invoice, usually a large party take responsibility repair list and the original invoice, the other party with repair factory seal repair list and invoice copy).

   4, belonging to the road traffic accident, the insured shall provide issued by the public security traffic management departments or institutions such as courts of the certificate of the accident, the relevant legal documents (award, award, mediation, court verdict etc.); not processed belongs to non road traffic accident or traffic management departments of the accident, should be provide the relevant proof of accidents, such as a certificate issued by the police station, the security department, residential property management departments of the accident, and the police sealed to the local.

   5, causing casualties, in accordance with the provisions of the "road traffic accident treatment measures", the reasonable expenses insurance company can be responsible for compensation for medical expenses: (limit Medicare drug range), delay costs, costs of Nursing (nursing staff up to more than two people), medical transportation fee, hospital food subsidies, disability living allowance, disability equipment costs, funeral expenses, death compensation, was dependent for living expenses, the casualties lineal relatives and legal representative to participate in mediation and handling of traffic accident lost wages, transportation and accommodation fee. For the above fees, must provide proof of the corresponding.

   6, such as related to delay costs, required to provide proof of wages caused by injured; the disabled, the need to provide identification etc.. But it is important to note, these costs are not the sum of the exceed limit of indemnity.

   7, personal bank card or business account.

 

   TIPS1 claims data: if there is any doubt in the delivery to the insurance company before the case collection point to call the insurance company claims staff.

 

 

   Step five: review and indemnity

 

   Case review:

   All documents provided by the insured's complete, the insurance company shall promptly verify the relevant documents, investigate and verify the relevant evidence and data authority for approval.

   1, not super powers business. Review documents complete, correct, within the time limit for compensation; if the review found in the data and provide the insured does not match or exceed the insurance company, and the insured shall be paid jointly investigate and verify.

   2, the super authority business. The traffic accident compensation amount exceeds a certain limit, the local insurance companies shall report to the insurance company, the higher the insurance company according to the specific situation of processing

 

   Indemnity claim:

   The insurance company usually in the case after the treatment, will be the first time to call the private car customers receive indemnity (enterprise customers usually a bank account transfer), as long as the good relevant certificate (such as identity cards, insurance, claim receipt) to the policy of insurance company's financial department to receive.

 

   TIPS1: part of the insurance company to the private car customer claims can take the bank account transfer mode. Proposals in the consultation to submit claims material when you, if you can provide the approval of insurance the insured or the beneficiary bank card number to claim the book. Such cases after the treatment, the insurance company directly to the indemnity into your account, so you can go to the trouble.