(1) reported: call report, report to the insurance company to report online, as well as the adjuster to convey.
   (2) after insurance accident happens, shall notify the police or the police team in 24 hours, notify the insurance company in 48 hours.
    (3) the claim period: the insured vehicle repair or self insurance accident closing date, within 3 months from the insurance company claims, or self insurance companies to inform the insured to receive not receive due within 1 years of the indemnity insurance indemnity, considered as a waiver of rights, i.e.. Vehicle against the wall, step, cement injection and tree does not involve to compensation for the accident, can not report to the police and other departments, timely report directly to the insurance company can. Waiting for the insurance company in the near the scene of the accident investigation to people, or take the car, car insurance companies reported.

    What circumstances can claim
1, the car hit the wall (trees, cement pier, railings, wire rod and other objects)
2, another car collided
3, car charge
4, the car windshield fragmentation.
The driver or passenger 5, were injured in the accident
6, the car spontaneous combustion
7, the car lost (or stolen).

   Claims process
1, the insured person must report to the insurance company in a timely manner, and fill out the "motor vehicle insurance claim / claim notice" and the signature. 　　
2, timely inform the insurance company vehicle damage location, in order to surveying on the vehicle. 　　
3, according to the "Regulations of road traffic accident treatment measures" to deal with accidents, compensation for loss of property is required to obtain the corresponding bill, voucher. 　　
4, vehicle repair and after finishing handling the accident, insurance claims data required.
5, to receive indemnity.
   Single is claims for loss
     Usually the loss single repair price refers to the automobile repair required to pay, unless in the automotive repair parts that insurance companies found new fault, need to be hurt, or loss of single repair price as the insurance company needs to give the owner indemnity basis.
   Another danger rescue and claims
    When the car is different at the time of the accident, the owner must timely report, wait for the insurance company claims. The owners not to repair the vehicle or wheeled carts, sometimes Cleverness may overreach itself., due to unauthorized repair vehicles hauling caused car loss, the insurance company usually is not responsible for claims.
When the car is different at the time of the accident, the owner also need the first time taking pictures the scene of accident as claim credentials. If the loss will be difficult to do a good job accidents will be damaged during a predetermined time period, the owner can also through the photos and the actual repair document, the claim to the insurance company.
    Personal accident to leave evidence
    The accident scene fast processing is convenient for both the accident, but the driver did not understand the "fast processing procedures and regulations" accident, think that as long as the responsible Fang Taoqian private on the end, even the police do not notice to the site, results in insurance claims on the very trouble.

Special tips:
1.When the accident occurred, no private
   Like private after the occurrence of a traffic accident, that is afraid of trouble, think to claim is a waste of time, would rather put the time in and the other owners dispute. The result is the time delay claims, often get no compensation at both ends, only to the stomach of grievances of pharynx. So when the accident happened, it is best not to the private, not to swallow insult and humiliation silently.
    2.Small claims not worth
    Even the tiny scratch to the insurance company claims to be. It is a waste of time, but also increase their own compensation rate, because the insurance company annually according to the owners of the loss rate of discount. We take the Pacific Insurance Company for example, Pacifi Corp rule: the insured vehicle out of 3 times, the insurance company will from fourth accidents, each additional insurance accident, the provisions of the franchise based on an increase of 5% franchise, within a year, the highest increase 15% franchise. In view of this, the small loss to claim it is worth. Therefore recommended that owners of the losses are very small need not run around here and there to waste energy.

After the traffic accident claims

Insurance claims difficult easy, this is the current status of Chinese vehicle insurance industry in. Creates this kind of phenomenon, one hand is because between the insurance company and the owners interests, but also because many owners lack the necessary knowledge of vehicle claims, so the difficulties caused by the claim. The difficulties, both may be the understanding of insurance clause is not comprehensive, may also be in after the accident processing caused by improper means. The insured is not seriously consider only left a hidden danger, and after the accident treatment caused China Insurance Company is really suffered heavy losses. The amount of compensation shall specify the amount of compensation, the repair quality, vehicle repair factory after the loss, compensation period, different insurance companies have different standards and working flow, familiar with these, you can select a company as a reference for you, also can make you do know the score in any.
    As the insured to the insurance claim, should first understand the insurance claim conditions. The accident vehicles must have the following four conditions:
(1) belonging to the insured vehicle loss;
(2) belong to the scope of insurance liability losses;
(3) does not belong to the exclusions;
(4) belonging to the reasonable expenses necessary.
    After insurance accident happens, in addition to report to the public security traffic police department, should also report in 48 hours to the insurance company according to "motor vehicle insurance clause" provisions, such as send report, should be stated accidents after truthfully, and provide insurance and insurance fee receipt, as required in the claim notice; Buddha not send report, may the first call to report, accident treatment, and then to the insurance company to supplement the incident, and fill out the notice.
In accordance with the provisions of clauses, insurance car is damaged because of occurrence within the scope of insurance liability accident, or by third party property damage, should adhere to the "repair" principle, but before the repair must be approved by the insurance company insurance inspection, determine the repair project, mode, cost. Send repair after the repair, keep good repair invoices. To provide the necessary materials to insurance company claim for compensation.

Third party liability accident compensation, insurance companies will not take any additional compensation to victims of the third. Vehicle insurance, third of property from the residual part after the loss, shall be borne by the insurer and the insured value consensus, and returned to the insured, at the same time in the claim deductions. Vehicle insurance according to compensation for the loss or partial loss a loss equal to the amount of insurance all insurance liability, as the vehicle damage insurance termination. But the insurance vehicle in the insurance period, no matter what happens once or several times the insurance liability within the scope of the loss or expense, as long as each compensation does not reach the amount of insurance, the insurance liability is still valid. The insured vehicle repair or self insurance accident closing date, 3 months not to claim compensation from the insurance company for insurance companies, or notify the insured to receive not receive due within 1 years of the indemnity insurance indemnity, considered as a waiver of rights, i.e.. After the accident, be sure to promptly report, can not settle, otherwise the insurance company will not admit this settle behavior.

 The traffic accident claims order

   The first order of business should follow the compensation after the mandatory insurance, the compensation in insurance liability limit. More than some of the limits of liability, if you have covered three commercial liability insurance, insurance company claims in accordance with the commercial liability insurance contract content exceeds three, commercial three liability insurance part borne by individuals; if you are not insured commercial three liability insurance, the remaining part accident responsibility range from your personal commitment.

  The compensation scope of compulsory insurance (applicable to February 1, 2008 after the traffic accident)

  Limitation of liability 122000

   The motor vehicle in the road traffic accidentHave a responsibilityCompensation limits: limit for death and disability compensation: 110000 yuanCompensation for medical expenses; limit: 10000 yuan; property damage compensation limit: 2000 yuan.

   A motorized vehicle on the road in the traffic accidentNo responsibilityCompensation limits: limit for death and disability compensation: 11000 yuan; limit compensation for medical expenses: 1000 yuan; property damage compensation limit: 100 yuan
 
   Limit of liability: refers to the maximum limit of liability insurance, the insurer undertakes the liability to pay the insurance money. Cross strong insurance clause in the limits of liability refers to the insured motor vehicle traffic accidents, the maximum amount of compensation insurance for all the victims when insurance accident casualties, medical expenses and property losses are borne.
    Limit for death and disability compensation: refers to the insured motor vehicle traffic accidents, the maximum amount of compensation for death and disability insurance shall bear the cost of all victims each insurance accident. Death and disability costs include funeral expenses, death compensation, relatives of the victims for the funeral expenses of the transportation costs, disability compensation, disability AIDS fees, nursing fees, fees, transportation fees, rehabilitation is dependent for living expenses, accommodation costs, delay costs, mental damage to the insured in accordance with the court judgment or mediation take comfort gold.
    Medical treatment charge compensation limit: refers to the insured motor vehicle traffic accidents, the maximum amount of compensation insurer liable for medical expenses each insured all the victims of the. Medical expenses, including medical expenses, medical fees, hospitalization fee, hospital food subsidies, necessary, reasonable follow-up treatment costs, plastic surgery, nutritional costs.
    Property damage compensation limits: refers to the insured motor vehicle traffic accidents, the maximum amount of compensation for loss of property insurer undertakes all the victims when insurance accident.

Common insurance exclusions disputes and misunderstanding terms of full interpretation

   A,The personnel on the car accident insurance must vote

   Events: Mr. Tian drove to Shanxi, had an accident on the road, Mr Tian was badly injured, but the insurance company refused to claim. Mr. Tian is very angry, because the compulsory insurance, commercial insurance he have buy, no one can.
    The expert reminds: insurance two main risks - car insurance and third party liability insurance, are not covered by the driver itself, car owners should pay attention to the insured person accident injury insurance or passenger liability insurance. The car personnel liability insurance: the insurance period, the insured or the valid drivers are accident insurance of motor vehicles in use, resulting in the car casualties, can obtain compensate.

    Two, third party liability insurance does not guarantee the family
    Event: the summer lady drive faster than her own door, his son flew over to meet hear sound car, she accidentally hit the son. She thought, their cars on the third party liability insurance, should be able to get compensation. So she went to the insurance company for compensation, but was rejected.
    The expert reminds: the third party liability insurance in the "third", usually because the insured motor vehicle accident suffered a casualty or property loss of the other person. Do not include the insurer, the insured, the car accident drivers and their family members, the insured person's family members.

   Three, must timely report
   Events: Mr. Wang in the home a lane car accidentally hit a wage earners, the man does not matter, just grazed, Mr. Wang gave the man 300 yuan private men's shoulders, the slight fracture, resulting in a medical expenses. A few days later the family to find the owner claims, the owners think the report to the insurance company, the insurance company refused to claim.
    The expert reminds: according to insurance contract, after the accident, should report to the public security traffic management department in a timely manner, and to report in 48 hours to the insurance company. Because did not promptly report to the responsibility of the insurance company or the loss of accident insurance can not be identified, the insurance company shall have the right to refuse the damages.

   Four, awarded to the engine inlet
    Events: Miss Wang to open a Shanghai Volkswagen Passat, out in a rain day, because on the road a lot of water, automobile engine inlet Miss Wang forced ignition, resulting in "failure", only the replacement of the engine cylinder head will spend 30000 yuan. But the insurance company refused to pay.
    The expert reminds: heavy rain causes damage to the vehicle, if heavy rain flooded and the body, leading to cushion, circuit loss, interior parts, vehicle, can offer car caustic danger for claims.
But the vehicle damage insurance provisions, resulting in the engine inlet of engine damage belongs to the liability exemption. Insurance companies think that this type of car damage belongs to the owner to increase car insurance probabilistic behavior, not the claims. So when the owners found underground garage water and submerged car chassis, which can not be lucky to start the car, the insurance company shall promptly dial service hotline, they will ask professionals will auto safety.
    In the rainstorm pilosity area, proposal owner insured loss of engine special additional risks or wading insurance, the vehicles in the water road Wade driving and start in the water, causes the engine inlet of engine damage, compensation and reasonable cost and vehicle to rescue, protection measures of expenditure.

   Five, pay attention to the agreed area pilfer rush to deal with an emergency
    Events: Xiao Zhao one night to send his girlfriend home, delivered parked downstairs at a girlfriend's house, the result after an hour downstairs found the car was stolen. How to deal with the insurance company?
The expert reminds: if the agreement driving and parking areas and stolen in the region, it is necessary to increase the odds of 10%, if the insured fails to provide the "motor vehicle driving permit", "motor vehicle registration certificate", vehicle origin certificate of vehicle purchase tax payment certificates, etc., each lacks a franchise, increased 1%. The specified drive people buy insurance, accident insurance for non designated driver, increase the franchise 5%. Temporary license plate of vehicle theft and robbery without compensation.
    Of course, here refers to the vehicle at the time of the accident loss value, and deduct the depreciation. In addition, if the car is stolen in the normal parking lot, the owner must be put in a claim to the parking lot after, can claim to the insurance company. Parking payment, balance of insurance company to pay the price. If the parking lot is not lost, the insurance company to pay the policy responsibility. For example, a car is bought 300000 yuan, in the parking lot loss value of 250000 yuan, if the parking lot for the owners of 200000 yuan, the insurance company will compensate the owner the difference 50000 yuan. That is, the insurance company to pay reparations will have "the right of subrogation", can also have recourse to the parking lot.

   Six, after the accident to stop using, wait for the loss
    Events: Mr. Liang in the car on the way to work into the flower of the middle of the road, causing serious damage to the vehicle, after the accident, he immediately to the insurance company to report a case, then will the car off the road to restore the traffic. Afterwards, the insurance company staff survey the scene, found the vehicle chassis Leung is damaged, and the damage, Liang in chassis oil case to start the car, but also lead to serious engine damage, therefore, the insurance company that, engine loss is "losses", not in the scope of insurance claims, insurance company is only responsible for chassis impairment losses.
The expert reminds: the insurance provisions, when the car after the accident, the driver without the necessary repairs will continue to use the car, so the car losses, the insurance company does not claim.
    Usually in the car after the collision, the owner to drive to repair plant, failed to take account of vehicle performance has been due to the collision and damage, easy to cause the car two times be or get out of danger, accident loss when the insurance company is only responsible for claims the car before danger, accident loss is caused by an owner fails to perform obligations on automobile driving safety, according to insurance clauses, insurance companies and does not make the claim.
    Therefore the accident should be the first time to call the rescue call or alarm in time, and contact the insurance company, wait for the trailer, or in the vehicle can promote the case, to push the car to the side of the road, waiting for the insurance company to survey the scene. Some customers think that as long as the vehicle collision, whether or not the site can receive compensation from the insurance company, this idea is wrong. The accident happens in the vehicle must protect the site, and not to leave the scene and then report to the insurance company, as the vehicle to leave the scene that insurance companies unable to survey the scene, will cause some difficulties in the settlement of claims.

   Seven, breakage of glass can not be ignored
    Events: Ms. Guo bought a new car in the yard, windows broken and a group of children football, Ms. Guo wondered, his car and the car caustic danger why insurance companies in this case not claims?
    The expert reminds: some insurance users accustomed to thinking of broken glass alone belongs to the vehicle damage insurance scope, claim compensation from the insurance company broken additional risks separately in the failed to cover glass, and the insurance company in this case is not compensation. Risk consumers should pay attention to break the glass of the stone. In the insured car caustic danger and please don't forget, broken glass alone added that the categories of insurance.

   Eight, what is the "non deductible"?
   Events: drive now novice more and more, in order to avoid losses, many of the people in the vehicle insurance as far as possible to buy the whole, including an additional risk is called "non deductible". But wait until it comes out of the accident, people find themselves have pockets. A "non deductible", while another is "absolutely franchise", this clause seems a little lets the human feel at a loss.
   The expert reminds: in fact there are two concepts need to be clear about, one is the absolute deductible, a franchise. Now the domestic vehicle insurance clauses, the prevailing is deductible franchise is 1000 yuan, compared with 10%, whichever is higher. That is to say, in the two range of loss, the insured need to burden. "Non deductible" accurate term is "irrespective of percentage of special risks", simply say "non deductible" is not comprehensive. For example, a car accident, the loss is 20000 yuan, according to 10% franchise, the owners need to pay 2000 yuan, if you buy this insurance, his own part of the burden is not according to the franchise to calculate, but as long as the burden is absolutely free 1000 yuan compensation can be. This is to reduce the cost of insurance, more important is to increase the owner's responsibility, strengthen their sense of security.

 Other common terms and Disclaimer
    1 when the car into the factory repair or testing during the accident, the insurance company does not make the claim. Usually this kind of accident to repair plant operational errors, by the repair factory completely for the accident loss. Besides, the insurance company has a repair shop liability insurance, to properly handle this type of accident claim. Even if the owner to claim to be dissatisfied with, should also be and repair factory consultation, has nothing to do with the insurance company.
    2 insurance companies caused by the driver drunk driving or racing accident is absolutely not lose. Because of drunk driving and drag racing is a violation of traffic regulations, the insurance company does not make the claim be perfectly logical and reasonable. At the same time, insurance companies will be included in the exemption clause in the accident, but also to remind the majority of drivers must abide by traffic regulations, pay attention to traffic safety.
    3 when the owner of the car to escape in the accident, the insurance company is not the car accident loss compensation charge shall bear the. Because the owner escapes in violation of traffic accident treatment procedures, in an attempt to avoid should accident liability, insurance companies have every reason to not make claims. In fact, the exemption clause is that the owner of the car must be to assist the traffic police accident proof, easy to safeguard the legitimate rights and interests of the owners claim.
    4 some of the owners because the job is busy, failed to timely continued premium, if the car out of the "auto vacuum period", the insurance company is incapable of action. The termination of the original insurance contract after all, insurance companies can not assume responsibility for the settlement of claims, so owners should be timely renewal of insurance claims, to safeguard rights and interests from losses.
     5 insurance contract is specified in the individual wheel damage belongs to insurance company franchise, individual wheel damage including tires and wheels damage, so in daily vehicle accident in which both tire and wheel damage does not belong to the scope of insurance liability. But when the automobile collision accidents caused by tire burst, then give the insurance company claims, but the tire cost is still not do payment. That summer tires do not charge too much, thermal expansion and contraction of the role will cause the tire pressure increase, fast moving may even lead to accident caused by burst.
    6 insurance companies for the owners of private accident compensation is not paid by the. Due to the lack of insurance documents, insurance companies to fully understand the process and the owner liability accident, not an objective basis for claims, no settlement be perfectly logical and reasonable. The moral risk and insurance companies to avoid claims, avoid owner fictional accident, and obtain illegal interests through claim. Insurance experts recommend owners would rather spend more time and energy for the insurance company accident surveying, convenient maintenance and owners of the legitimate claim rights.
    7 usually pilfer claims are limited to the scope of the entire car stolen, not for some auto parts or accessories stolen status to claim. Because the insurance company needs to avoid moral hazard, to avoid some of the owners deliberately hide some parts, then parts stolen from, by pilfer claim but improper profit.
    8 if the car is stolen during the robbery, the body left traces, though the car has not been stolen, but for the body because of theft and damage, such as the door is pried phenomenon, also do not belong to the scope of pilfer claims.
    9 persons in the vehicle insurance claims scope limited to car collision accident, causing the car personnel dodge but not injured in the accident, because the brakes or personnel off the accident injury is not caused by a car accident, the vehicle officers liability insurance is not as claims of.
    10 additional risks disclaimer.
    Because the car damage insurance claims range has a lot of except responsibility, such as car caustic danger of car fire loss can assume responsibility for the settlement of claims, but incapable of action on the car spontaneous combustion phenomenon, another car damage insurance claims object is limited to the liability insurance accident loss inside the car, but the car personnel due to the collision accidents and injuries are difficult to claim.
    When the owner needs to cover additional categories, such as car spontaneous combustion risk or the car personnel liability insurance, to improve insurance coverage, make up for the lack of vehicle loss insurance claims, many additional insurance is for the exemption clause, Che Sunxian and the establishment of the.
    If the owners feel that the car often pass by the construction site, may be stones fall smashed car glass, can insure the breakage of glass, accident damage will be passed on to the insurance company or the owners feel; often go out, but driving technology is not pass, sometimes with other vehicles have small grazing, might as well the body scratch risks to avoid the accident loss. Insurance experts remind said, although the claim of additional insurance can compensate for the limitations of three party insurance and car caustic danger, but they are also provided with a disclaimer, the owner should also fully understand these exceptions, avoid claims disputes.
     When we get an insurance policy, the first thing is to contract carefully read, understand their behavior and what the limits, lest accident cannot claim, too late to regret.
How do the vehicle after be or get out of danger
(a) the need to protect the scene of the accident and report to the insurance company for the first time;
(two) assistance to the insurance company for surveying, photographic and loss of the accident vehicle;
(three) prepare all the necessary documents in a timely manner, to the insurance company for compensation;
(four) the insurance company as soon as possible after the closing, collect the reparations.

The claim documents
    The insured claims, should be provided to confirm the property of insurance accident, reason, loss and other related evidence and information to the insurance company. The following materials:
(a) insurance policy, insurance vehicle permit and at the time of the accident the driver license.
(two) list of losses, costs related documents.
(three) belongs to the road traffic accident, the insured shall provide a certificate 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.).
(four) is non road traffic accident or traffic management departments of public security is not processed accident, shall provide relevant proof of accident while customers to line report should inform the reporter's name, telephone; out of vehicle type, number, the insurance policy (certificate); out of time, place, accident.