How Do I Choose the Best Accident Insurance?

For the majority of car owner friends, knowing more about traffic accident claims is also a recognition of their own interests. Although everyone does not want traffic accidents to occur, at least they must have a good knowledge of claims settlement. Car insurance generally does not protect people, so the car is mainly reasonably matched with traffic personal accident insurance, and the protection is prepared. The handling method should be proper when a traffic accident occurs, and the loss of energy and financial resources is minimized!

Traffic accident insurance compensation procedures

1. Report to the insurance company. Usually after a traffic accident occurs, the vehicle must not only report to the local traffic management department, but also to the insurance company within 48 hours after the accident.

2. Site investigation and inspection of the accident. After receiving the case report, the insurance company shall immediately arrange for the company's claims officer or the commissioned valuation agency, technical appraisal agency, overseas agent to investigate the accident process at the scene of the accident, understand the losses involved, consult and initially collect the nature and cause of the accident Evidence and information related to the loss situation, confirm whether the accident is an insurance liability, and if necessary, entrust a specialized technical appraisal department or scientific research institution to provide professional technical support.

Third, the fixed loss valuation. After the relevant personnel of the insurance company surveys and inspects the scene of a traffic accident, it should evaluate the losses caused by the accident. If the insured thinks there is a problem with the insurance company's fixed loss valuation, the insured can also raise an objection to the insurance company and at the same time entrust the relevant agency to value the loss. When the insurance company and the insured agree on a loss estimate, they proceed to the next step.

4. Submit claim materials. Although rights are granted, if they do not know how to assert, they are likely to be in vain. Therefore, after the loss is determined, the insured can claim from the insurance company. Generally, when the insured claims from the insurance company,

How to claim a crash

In a crash, due to different responsibilities, the procedure for claiming varies. But it is better to protect the scene immediately, report the case to the local public security traffic management department and notify the insurance company within 48 hours. Collaborate with insurance companies and related personnel (third parties) to clean up and determine damages one by one. When you file a claim with an insurance company, you should provide the original insurance policy, accident certificate, accident liability confirmation, accident mediation, judgment, loss list, and related expense documents. The insurance company is responsible for compensation according to the proportion of the insured's liability in the accident. The claims procedure is explained below using only full responsibility as an example:

How to claim a stolen car

If your car is unfortunately stolen or robbed, you should report it to the local public security department within 24 hours, and notify the insurance company within 48 hours, and make a statement in a newspaper designated by the insurer. Go to the department of public security organs that specializes in handling such accidents for the record.

When claiming from an insurance company, you must provide the original insurance policy, the motor vehicle driving license, the original purchase invoice, the vehicle purchase surcharge certificate, and the car key. Close formalities. Here, I remind you that it is best not to put the motor vehicle driving license, the original purchase invoice, and the vehicle purchase surcharge certificate on the car. Once they are lost, you must not only issue more complicated certificates, but also add a certain amount for each missing item. Deductible, the lack of car keys also increases the deductible rate, which not only reduces the amount of compensation, but also brings a lot of trouble when receiving compensation.

The speed of closing the burglary is relatively slow. Because the clause stipulated that the entire insurance vehicle was stolen and stolen, the criminal investigation department of the public security department at or above the county level confirmed that the whereabouts of the vehicle had not been found for three months before the insurance company was responsible for compensation.

How to claim for spontaneous combustion

When your car's electrical equipment, wiring, fuel supply system malfunctions or the cargo itself catches fire, you need to check whether you have insured the vehicle's spontaneous combustion insurance. If you have insured this insurance, its claim procedure is the same as the vehicle collision. You only need to provide another fire identification certificate from the local public security fire department.

What to do when the car is out of danger

If your car is out of danger in the field, you must also protect the scene, immediately report to the local public security traffic management department and the insurance company at the local agency, and notify your insurance company within 48 hours, stating your policy, time and place of insurance. , Reasons and processes. Underwriting companies generally require local companies to conduct surveys on their behalf. At this time, you must pay attention to let the local company take pictures according to the prescribed procedures, issue a survey report on behalf of the agent, and ask when and how to transfer it to the insurance company. After returning to Beijing, go to the insurance company to fill out the insurance notice and make a claim.

What to do if a third party refuses to compensate

If your car collides or overturns due to the responsibility of a third party, the public security traffic management department needs to confirm the responsibility first. You must then claim from a third party. If the third party does not pay, you should sue to the people's court. After the case is filed by the people's court, if the insurance company requests compensation in writing, the insurance company's case registration certificate should be provided to the insurance company. You must also sign a transfer of rights to transfer part or all of your right to recover to a third party to the insurance company, and actively assist the insurance company to recover from the third party. If you waive a claim against a third party and claim directly from the insurance company, the insurance company will not accept it. ^[2]