Vehicle insurance program

The different insurance companies will be different in the claims process, but the basic steps are mostly the same claim.

1 to protect the scene of the accident, the rescue of the wounded, quickly

The vehicle after insurance accident happens, should immediately to protect the scene, rescue the wounded and property, to retain the relevant evidence; report to the traffic control department of the public security organ immediately. Call the insurance company reported (vehicle insurance insurance companies report telephone card), 48 hours to carry insurance Dan Zhengben, driving license, driving license, the insured person's identity card to the insurance company official report. Insurance clause insurance company usually be reported within 48 hours after the accident, 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 damage repair

Because of all the insurance accident vehicle repair, must be approved by the insurance company claims, the approved projects and the amount of loss; loss can repair damaged vehicles only after; to third artificial adult body 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, the claim documents include 10 days: traffic accident responsibility confirmation, mediation, judgment and repair invoices, invoices, medical expenses, lost income, medical proof of identity and dependents original policy (copy), copy of ID card copy, driving permit, driver's license (i.e., Li's driver's license) copy submitted to the insurance company, by calculating the reparations; then, the insurance company will inform receive insurance compensation; the receiving compensation, the payee to carry the original insurance policy, the insured person id card or residence of the original, such as commissioned on behalf of the collar, lead the people to carry identity card and be issued "to receive money authorized.

4 special cases of claims

When the vehicle is stolen or robbed, should report to the public security organ, shall notify the claim of the police station or the police team in 24 hours; and then report to the insurance company, the vehicle is stolen or robbed 48 hours 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.

A minor traffic accident insurance claims

When the vehicle loss lesser amounts of insurance after the accident, the owner can drive the car to the insurance company designated repair, there are insurance price right, leave it to the repair shop to help claim. This usually through the following steps for vehicle damage claims

1, inspection certificates, certificates and policy: show card, driver of the vehicle driving license, the insured's ID card, household insurance;

2, bad car inspection, the initial loss of vehicles, vehicle inspection, fill out the bad parts of case registration table, make copies of all documents;

3, a loss, photographic damage, arrange the processing opinion;

4, reporting timing, according to case approval form. After repairs, bring all the documents and repair invoices to repair the car can be, let the repair agent claims.