The car mainly grasps the correct claims process.
Mr. Zhang is a novice. Because the road was slippery in the dark, he accidentally bumped into the rear of the car when reversing, which caused the rear of the car to be damaged. Mr. Zhang's correct claim procedure should be:
1. Report the case: After the accident, Mr. Zhang immediately called 1 10 and Ping An Insurance Auto Insurance 955 12 service hotline to report the case.
2. Investigation: 15 minutes later, the traffic police and Ping An Insurance Auto Insurance Claims Commissioner arrived at the scene for investigation, and the traffic police issued a traffic accident certificate. The claim Commissioner thought that the accident loss was below 1 10,000 yuan and issued a survey report.
3. Fixed loss: After 20 minutes, Mr. Zhang will send the vehicle to the fixed loss center designated by Ping An Insurance, and the vehicle will be repaired by the garage at the expense of 800 yuan. That night, Mr. Zhang repaired the vehicle and took it home.
4. Filing claims: On the second day, under the guidance of the Claims Commissioner, Mr. Zhang collected claims data and filed claims with the insurance company.
Review of compensation cases: Ping An Auto Insurance will review the compensation documents received from Mr. Zhang, and finally confirm the compensation of 1 100 yuan.
Claim: The next afternoon, Mr. Zhang received a text message reminding that the insurance company's claim had been credited to his account.
Distinguish between risks and claims materials.
The claim Commissioner introduced to Mr. Zhang that after different traffic accidents, the required claim materials are different. After the car owner is insured, he should understand the claims materials of Ping An Insurance, speed up the claims process and minimize the losses.
1. One-sided accident or two-sided accident, no casualties: this kind of accident claims process is relatively simple, which is the case with Mr. Zhang. The owner only needs to submit the claim application, driver's license and driving license (original and photocopy), traffic accident certificate, traffic accident compensation conciliation statement, court judgment (if there is any lawsuit), repair invoice, original documents of rescue fee and related expenses, compensation receipt and ID card to Ping An Auto Insurance.
2. Unilateral or bilateral accidents involving personal injury: In addition to the above materials, such accidents also need to submit additional diagnosis certificates, medical records, original medical invoices and lists, traffic accident disability identification or traffic accident death certificates, household registration certificates, certificates of dependents and family relationships, and wages of injured persons and nursing staff. Among them, if the accident involves personal injury, both parties need to submit a copy of the insured's business license or an ID card (broken) form.
3. Theft rescue case: the owner must submit the claim application, the original insurance policy, the case form of motor vehicle theft (breakage), the original driving license, the original vehicle registration certificate, the original surcharge voucher (breakage), the original car purchase invoice (breakage), the whole set of car keys (matching the original car) (breakage) and the case form of the county-level criminal investigation department.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.