When a car accident happens:
First, you should call the auto insurance company to report the situation. Due to more than two days, the general auto insurance company does not pay compensation. Save the situation on the spot, and the auto insurance company will send someone back for review.
second, solve it on the spot. If the damage is minor, the auto insurance company will send people to the spot for on-the-spot investigation and produce the Survey Report; The damage is great. If the on-site surveyor feels that it must be reported to the traffic police team to solve it, he will report it to the traffic control department, which will investigate the evidence on the spot and produce the Accident Confirmation.
third, the vehicle will be damaged and repaired. The car buyer will take the car to the vehicle loss management center specified by the auto insurance company or the car buyer himself, and then the car loss will be determined by the auto insurance company. After the vehicle is damaged, it will be maintained by the garage, and after the vehicle is repaired, the car buyer can take the car himself.
fourth, after the car buyer takes the car by himself, he must collect the raw materials for the claim, and then submit them to the auto insurance company to apply for settlement.
5. Then the auto insurance company will adjust the damage. After receiving the complete claim declaration documents given by the car buyer himself, the auto insurance company should calculate the maintenance cost of the car and make clear the amount of the claim after calculation.
VI. After the traffic accident is closed, the beneficiary of commercial insurance compensation or his/her client shall submit the claim declaration documents including road traffic accident responsibility confirmation and maintenance tax bill, medical expense tax bill, medical history, confirmation of missed work, photocopies of identity documents, vehicle driving license and driver's license to the auto insurance company within 1 days, and the auto insurance company will calculate the compensation;
the auto insurance company will announce the receipt of commercial insurance compensation; When receiving the compensation, the payee should bring the original insurance policy, beneficiary's ID card or the original household registration book. If it is authorized to entrust others to take it, the payee should also bring the ID card and the Letter of Authorization for Receiving Compensation presented by the beneficiary. The maximum effective period of compensation is 2 years from the date of reporting the safety accident.
Several types of situations in which auto insurance companies refuse to insure:
1. No compensation for hitting one's own people
If a car hits one's own people, it is required to be exempted from liability in the commercial service three-party insurance clause. Similarly, if cars collide with each other in the middle, if they belong to the same enterprise, they can't compensate each other, and they can't get compensation according to the provisions, and they can't get compensation according to the third party liability insurance.
2. Headlights or rearview mirrors are damaged independently, so you can't pay for it
Because of this disclaimer, many car buyers even? Even if it is accidentally rubbed, it will not be paid. However, this disclaimer is not used in all car damage insurance clauses, and some auto insurance companies apply clauses to claim compensation, but not all, so customers should ask before buying insurance.
3. No compensation if the perpetrator who takes full responsibility is released
If the buyer collides with another car and the obligation lies with the other party, the right to pay compensation to the other party cannot be abandoned because of the inconvenience of being in a hurry or other reasons. Once the car buyer gives up the right to claim compensation from a third party, he also gives up the right to pay compensation to the auto insurance company.
4. No compensation will be paid for the damage of the automobile engine caused by forced ignition in the deepest part of water
The damage of the automobile engine caused by forced ignition by the driver after the car is driven to the deepest part of water, and the vehicle loss insurance belongs to the category of exemption from liability, because the damage is caused by the unreasonable actual operation of the driver. However, in order to give more adequate guarantee to car buyers, auto insurance companies have developed and designed automobile engine loss insurance, and if car buyers buy this additional insurance, they can pay compensation.
5. No compensation will be paid for the damage caused during the vehicle repair period
If all the damage such as collision and theft happens to the car during the consignment period, the auto insurance company will refuse to insure it, because the garage has the obligation to properly store and repair the car.
6. No compensation for dragging a car without strong insurance
If the car buyer drags a car without strong insurance or is dragged by a car without strong insurance on the road, and it collides with other cars and bears full responsibility, it is not easy for the commercial service three-party insurance to pay all compensation for this matter.
7. The machinery and equipment modified without authorization will not be compensated
Many car buyers will modify their own speakers, radio stations, refrigerators, car tails or roof racks after buying a car. Once a safety accident occurs and the machinery and equipment modified without authorization is damaged, the auto insurance company will not pay for it. Car buyers must buy insurance for their modified machinery and equipment independently.
8. No compensation if the car is damaged by objects in the car
If the car is damaged by objects carried in the car or on the ceiling, the auto insurance company will not pay compensation.
9. No compensation if the vehicle has not been repaired immediately
If the car insurance claims, the car buyer must go to the auto insurance company to repair the car first, so as not to let the auto insurance company refuse to pay because it is impossible to specify the amount of damage.
1. No compensation for stolen car parts
If only car parts, such as tires and professional audio equipment, are stolen, the buyer will have to bear the damage. In addition, the auto insurance company can also refuse compensation for drunk driving, driving without a license, vehicle driving license and driver's license that have not been examined annually, or places where safety accidents occur at high speed during the probation period.
11. No compensation for cars that have not been examined annually
According to the insurance contract, commercial insurance only takes effect for cars that meet the standards, and cars that have not been examined annually are only considered as cars that fail to pass the customs. It can be seen that the annual review of the car on time is very important for the car to go on the road and its commercial insurance.