Claim process:
Report the case. Once out of danger, call the insured insurance company as soon as possible to report the case. Now most insurance companies have opened a 24-hour service hotline. In the process of reporting the case, you can know what preparations need to be made for the next claim through the customer hotline or agent. I would like to remind you that if you use the customer service hotline, you'd better ask the operator's job number clearly, so as not to follow his suggestion, but it won't be recognized by the insurance company afterwards, causing controversy.
Cooperate with the insurance company to investigate. Generally speaking, after reporting the case, the insurance company may send someone to the scene for investigation. At this time, protect the site, wait for the surveyor of the insurance company to come to investigate and collect evidence, and truthfully answer the relevant questions raised by the surveyor; If the insurance company doesn't send someone to the scene, you can arrange with them to send the car to the designated place. If you don't send someone to settle the claim, you can complain.
Quickly go to the traffic control and other departments to go through the relevant procedures. Such as accident confirmation, compensation mediation, disability identification, etc. , and properly keep the relevant documents.
Arrange vehicle maintenance. General insurance companies will recommend some repair shops after determining the damage. It is best to do some research and understanding on the technology and services of these repair shops in advance before making a decision. Note: Don't easily believe that the repair shop claims to be an "insurance company designated repair shop" and can get preferential treatment and other commitments. In fact, after the insurance company designated the repair shop, customers often found the insurance company because of the dispute between the maintenance quality and the manufacturer. The insurance company lost money and was complained. Therefore, in recent years, insurance companies rarely designate maintenance manufacturers. No matter where you repair it, insurance generally only pays according to its fixed loss price. Need to be reminded that if the main loss of the insurance accident is vehicle maintenance fee, it is suggested to negotiate with the repair shop and entrust it to handle the claim, and it is best not to advance the maintenance fee when picking up the car, that is, after the claim is successful, let the insurance company directly transfer the claim to the repair shop, which can at least save a lot of time.
If the accident causes personal injury or death to a third party. Please pay attention to the following matters when the traffic department presides over mediation:
1, your liability for compensation should be consistent with the liability for traffic accidents ruled by Road traffic accident responsibility confirmation.
2. According to the relevant laws and regulations, the compensation items include: medical expenses, lost time, hospital food subsidies, nursing expenses, living allowances for the disabled, disabled appliances expenses, funeral expenses, death compensation, living expenses of the dependent population, transportation expenses, accommodation expenses, direct property losses, etc. The state has clearly defined the compensation standards for each item. You have the right to refuse to undertake extra items or extra parts of each item, and insurance companies that exceed the national compensation standards will not be liable for compensation. Finally, I would like to remind you that most auto insurance claims disputes are caused by personal compensation from third parties. The main reason is that the owner does not understand the national compensation standard, and the compensation amount exceeds the legal compensation standard; Or the owner wants to close the case quickly and accept that the other party does not meet the requirements of the law against his will. When claiming compensation from the insurance company afterwards, some of these legal compensation standards will be refused by the insurance company, which will lead to claims disputes. However, if you want to shorten the handling time of traffic accidents and avoid falling into protracted and costly litigation procedures. At this time, it is wise for you to make some compromises moderately. Although you can't get insurance compensation after compromise, it still saves you a lot of time and energy.
When the other party is fully responsible for the accident, you should directly seek compensation from the perpetrator. If they are unwilling to pay compensation, you can bring a lawsuit to the court, and then bring the acceptance certificate of the people's court to ask the insurance company you insured to pay in advance.
If the vehicle is stolen, it is necessary to go through the formalities of sealing the stolen vehicle: as soon as possible, take the certificate from the public security organ in the place where the case occurred to the vehicle management office to collect the file sealing form, and after going through the relevant formalities at the public security organ, send it to the vehicle management office for sealing and signing. If there is still no whereabouts after 3 months, claim directly from the insurance company.