The vehicle after insurance accident happens, should immediately to protect the scene, rescue the wounded and property. Try to avoid further loss (loss of expanded insurance does not compensate), try to avoid in the claim with the insurance company unnecessary disputes. Therefore, processing procedure in the accident occurred after a brief understanding of vehicle insurance, it is necessary to. In addition, the claim, different insurance companies have different, but its basic steps are roughly the same. The details are as follows:

1  Protect the scene of the accident, the rescue of the wounded, quickly.

AImmediately, protect the scene, rescue the wounded and property, to retain the relevant evidence (a camera or mobile phone with camera function, as far as possible takes a picture of the scene of the accident. The photo should be clear to take the number of motor vehicle license.) ;

B, report to the traffic control department of the public security organ immediately. Accidents such as injuries, the traffic police on the scene, slight injury can be processed in accordance with the summary procedure, and requirements in the accident report marked wounded name; major accidents should deal with the accident according to the general procedure, the responsibility of certificate issued by a traffic accident;

CThe phone, immediately report to the insurance company (vehicle insurance insurance companies report telephone card);

D, the insured (or motor vehicle driver), in48Hours to carry identity documents, insurance certificate, driving license, driving license to the insurance company official report, fill in the written report form and instructions after the accident.

Insurance clauses are usually specified in any 48 Hours submitted to the insurance company, otherwise the insurance company shall have the right to refuse compensation. If you trust others to report to the police, the informant shall also carry identity cards and issued by the insured to the report of attorney.

2  The accident vehicleDamage, repair and treating the injured

AFor vehicles, insurance accident loss caused by the repair before, must be approved by the insurance company claims, the approved projects and the amount of loss (accident occurred in the field, but the insurance company commissioned by the accident loss insurance company). After the scheduled loss, can repair damaged vehicles;

BThird, give artificial adult injury, must be medical is completed, to the insurance claim. The insured (or driver) in the medical treatment period, need to advance the medical expenses or by the traffic police certificates, require the insurance company to pay the medical expenses limit;

CThird, give artificial adult personal injury or property damage to pay damages, will the insurance company approved compensation project and relevant evidence, the amount of claim before.

3  Submit the claim documents, collect the insurance indemnity

The insured or their agent in after the accident,10The claim documents including days: original policy ( Copy ) , traffic accident responsibility confirmation, mediation, judgment and repair invoices, invoices, medical expenses, lost income, medical care, prove that was raised (support) the identity, number and copy of ID card, driving license, the driver's license copy copy submitted to the insurance company, calculation of indemnity the insurance company; then, the insurance company will notify the receive insurance compensation; the receiving compensation, payee must bring the original insurance policy, the insured person id card or residence of the original, such as commission on behalf of the collar, lead the people to carry identity cards and issued by the insured to receive reparations "authorization".

4  The special case of claims

AWhen the vehicle is stolen, or robbed, should be in24Hours to the public security organs.

B, report to the insurance company. The vehicle is stolen or Bei Qiang48Hours to carry personal information to the insurance company to fill in "motor vehicle insurance claim notice", to check. Within three months, the vehicle can't be found, can bring the following documents: issued by the public security organ theft proof, the original insurance policy, the insured vehicle driving license, the driver's driving license, is the original, id the insurer to Id original human and vehicle keys to insurance company claim for compensation.

5Tire, body, natural aging, dangerous car explosion and vehicle wading driving engine damage caused, the vehicle damage, the insurance company is not for.

6At present, the vehicle insurance is divided into third compulsory insurance and commercial insurance two. For the third mandatory insurance, the insurance company can only assume insurance vehicle outside of the third people (including vehicles or personnel, property losses, not including the driver or passenger or goods) loss, and limit.

Responsible for motor vehicle, disability, death compensation limit11Million yuan, medical expenses limit1Million yuan, property loss limit0.2Million yuan.

For vehicles without responsibility, disability, death compensation limit1.1Million yuan, medical expenses limit0.1Million yuan, property loss limit0.01Million yuan.

The limitation of liability at2008Years2Month1Road traffic accident zero hour, according to the new liability limit before execution; not for claims, according to the original provisions..

For motor vehicle insurance commercial insurance, calculate the compensation amount according to the risks insured don't insurance.

Miao law