A, Foshan minor accident treatment process
1. Protect the site from damage, and call the traffic police and insurance company for handling. You need to report the license plate number, the owner's name, the policy number, the driver's name, the other party's license plate number and other information to get the registration number.
2. The insurance company will send people to the scene to take photos and collect evidence (insurance companies sometimes go to the claims center instead of the scene).
3. Both parties will drive the accident vehicle to the traffic police express center (the traffic police are not on the scene for minor accidents), fill in the express confirmation, and submit the driving license and driver's license.
4. The traffic police accept the investigation and confirm the responsibility for the accident.
5. The claim center preliminarily estimates the accident loss, prepays the maintenance fee (deposit) according to the respective responsibilities of both parties, and keeps the receipt.
6. Vehicle maintenance, and take back the vehicle after maintenance.
7. Take the insurance policy to the insurance company's claim center and ask for a loss statement.
8. Go to the counter of the repair shop of the traffic police claims center to submit the loss list and receive the maintenance invoice (the prepaid deposit will be refunded more and replenished less).
9. Go to the report acceptance counter, submit the maintenance invoice and obtain the accident responsibility confirmation.
10 accident liability confirmation, copy of owner's ID card, owner's bank account number, loss list and maintenance invoice must be submitted to the insurance company's claim center.
1 1. The insurance company will transfer the compensation to the owner's account within ten working days.
Second, what should I pay attention to in minor traffic accidents?
Although some minor accidents are minor, the parties concerned should judge carefully according to the situation on the spot and be cautious when making claims. If someone is injured in the accident, or there is a "problem" vehicle, such as incomplete vehicle procedures, drivers drinking alcohol while driving or taking state-controlled narcotic drugs or psychotropic drugs, the parties concerned have disputes over the responsibility of the accident, and it is best to call the police immediately to ensure the rights and interests of both parties. Moreover, unilateral accidents are not suitable for "claims", and it is still necessary to follow the conventional claims procedure. If there is a unilateral accident, don't walk away by yourself and get in touch with the insurance company as soon as possible.
In the "private settlement", there are also a few people who lack integrity. Although they signed the agreement, they refused to admit it afterwards. If one party fails to cooperate, deliberately refuses to handle or delays the handling of compensation, the obligee may bring a lawsuit through the people's court. If you are worried about the other party's denial or evasion, you can use the exchange of valid documents and other methods to limit it.
At the same time, some lawless elements "touch porcelain" when the vehicle turns or changes lanes, and use the psychology of the owner to "settle" to defraud compensation. If the driver suspects that he has met someone who "touched porcelain", he should also call the police immediately. In addition, in the process of "reconciliation", if any party disagrees with the agreement and cannot reach a unified opinion, it should protect the scene or take photos and notify the traffic police for handling.
I believe that after reading Bian Xiao's detailed description of the handling process of Foshan minor accident, you should have a certain understanding of this issue. Besides answering this question, Bian Xiao also expounded what should be paid attention to in minor traffic accidents. That's all. If you have other related questions, please consult Pacific Auto Network!
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