Many owners or the insured person in danger vehicles own did not know what to do, because do not know the procedure of claims, don't know how to prepare what material, often from the insurance company for many times, here the insurance experts remind the majority of drivers to pay attention to: the insurance vehicle insurance liability within the scope of the accident, shall be submitted to the insurance company the claim, claim according to certain procedures and provide credentials to the insurance company.

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.The reasonable expenses necessary to.

After insurance accident happens, in addition to report to the public security traffic police department, also should be the "motor vehicle insurance clause" specified in the48Hours to the insurance company to report, such as send report, you should state the accident process accurately, and provide insurance and insurance fee receipt, fill out the "escape notice required".

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 in the restoration of the former is subject to loss insurance company 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.

Note: the insured vehicle repair or self insurance accident closing date,3Months not to claim compensation from the insurance company for insurance companies, or notify the insured to receive insurance indemnity from the date of1Do not receive the deserved reparations years, namely, considered as a waiver of rights. After the accident, must timely report, can not settle, otherwise the insurance company would not recognize you this settle behavior.