1. Traffic Accident Insurance Claim Procedure
1. "Self-reporting" handling procedures and related procedures: When a traffic accident occurs on the road and no personal casualties are caused, both parties must agree on the facts and If the cause is not disputed, follow the following steps:
(1) Evacuate the accident scene and quickly restore traffic;
(2) The responsible party will notify the insurance company to assess the loss;< /p>
(3) Both parties write down the accident;
(4) Both parties to the accident bring their driver’s license, driving license, insurance company’s loss assessment form and their copies, and go together together The accident brigade of the traffic police branch will handle it;
(5) After the traffic police department verifies the accident, the party responsible for the accident will compensate for the losses.
2. Procedures and related procedures for the traffic police to quickly handle traffic accidents: If a traffic accident occurs on the road and the parties concerned dispute the facts and causes of the traffic accident, the following steps shall be followed:
(1) Call the police quickly, and after the traffic police conduct an on-site investigation, they will make an accident determination on the spot, evacuate the accident scene, and resume traffic;
(2) The responsible party will notify the insurance company to make a vehicle damage assessment;
p>
(3) Both parties *** go to the accident brigade of the traffic police branch together, provide the originals and copies of their driver’s license, driving license, and loss report, and write down the incident;
( 4) The non-responsible party leaves, and the traffic police department will punish the responsible party for the illegal facts that caused the accident in accordance with the "Road Traffic Safety Law";
(5) The traffic police department issues a valid certificate to the responsible party, and the responsible party Find the insurance company to settle the claim based on this voucher.
II. Materials required for motor vehicle insurance claims
(1) Claim materials required for vehicle damage and property damage cases
1. Motor vehicles Insurance claim application form;
2. Original insurance policy;
3. Compensation receipt;
4. Travel license, copy of driving license (for taxis and Special vehicles also require a copy of the driving license or operating license);
5. Issued by the accident handling department: (different accidents require different certificates) □ Traffic accident liability determination and mediation letter □ Simple accident Handling letter □ Public security department certificate □ Fire department certificate □ Meteorological department certificate □ Self-agreement letter □ Other certificates;
6. Loss estimate sheet;
7. Repair list;
8. Vehicle repair invoice;
9. When vehicle rescue is involved, you must also provide: A detailed list of towing or crane costs B towing or crane bill;
10 Property involved For losses, it is also necessary to provide: A. Property damage assessment sheet B. List of property losses (proof of the overall cost of equipment and extent of loss or project budget, etc.) C. Relevant expense documents for purchasing and repairing damaged property.
(2) Claim materials involving personal injury cases
1. Motor vehicle insurance claim application and compensation receipt;
2. Original insurance policy, driving license Certificate and a copy of the driving license (taxi and special vehicles also require a copy of the driving license or operating license);
3. Issued by the accident handling department: (different accidents require different certificates) □ Traffic Accident responsibility determination and mediation letter □ Simple accident handling letter □ Public security department certificate □ Fire department certificate □ Meteorological department certificate □ Other certificates;
4. Diagnosis certificate from hospitals above the county level;
5. Voucher for reimbursement of medical expenses (must be accompanied by a detailed list of prescriptions or treatments and medications);
6. Voucher for payment of compensation to a third party (must be signed by the accident handling department);
p>
7. When it comes to lost work pay, you must provide proof of lost work for injured, disabled or deceased persons (issued by the hospital) and proof of income loss (tax proof must be submitted if the income exceeds the tax amount);
8. When it comes to nursing fees, you must provide proof that the injured person needs care (issued by the hospital) and proof of the caregiver's income (if your income exceeds the tax amount, you must submit a tax certificate);
9. For compensation for disability subsidies, you must provide a forensic doctor Disability appraisal certificate;
10. Death certificate (medical death certificate, household registration cancellation certificate, cremation certificate) is required for death compensation;
11. Household registration is required for child support. Proof of the victim’s family situation, a copy of the household register, and proof of loss of working ability issued by the police station;
12. If transportation expenses are involved, a transportation expense reimbursement voucher must be provided;
13. Accommodation expenses are involved A voucher for reimbursement of accommodation expenses must be provided;
14. If the case passes the court, the court's judgment or mediation letter and execution certificate must also be provided.
(3) Claim materials required to handle cases involving vehicle theft and robbery
1. Motor vehicle insurance claim application form;
2. Original insurance policy, Premium invoice, insurance card;
3. Compensation receipt;
4. Driving license, copy of driving license;
5. Motor vehicle driving license (original) ) (if lost, you must go to the vehicle management office to apply for a shift certificate);
6. Original car purchase invoice;
7. Vehicle purchase surcharge payment voucher and receipt (original) or Vehicle purchase tax payment certificate and vehicle purchase tax payment receipt (original);
8. Motor vehicle registration certificate (original);
9. Full set of car keys;
p>
10. Newspaper with statement;
11. Vehicle suspension and abnormal movement procedures;
12. Equity transfer letter.
(4) Materials to be submitted when receiving compensation
1. When the insured person collects compensation in person, he must provide the insured’s identity certificate and a copy;
2. If you are collecting money for another person authorized by the insured, you must bring the "Authorization Letter for Claiming Compensation" and the identity certificate and copy of the person receiving compensation.