You will drive the car not far away from the scene of the incident, but still can be based on the height of the scene, traces of these measurements, there will be no effect. However, the insurance company to report the case within the specified time, if the report is late, it may be deducted part of the exemption. Generally about a week to close the case, special circumstances will also have a longer time, there are three or two days to receive the compensation claims work the basic process includes: reporting, investigation and damage determination, signing and reviewing the claim documents, adjusting the review, approval, payout of the case and other steps. The general process of auto insurance claims process insurance - report - investigation - damage determination - price - loss - compensation - payment insurance: accident. 1. report: general insurance companies require that the incident be reported within 48 hours. (1) after the accident, the customer to the insurance company's claims department to report the case; (2) the internal affairs department receives the report, the customer will be required to immediately fill out the "business insurance registration form" (telephone, fax and other reports by the internal affairs department on behalf of the fill); (3) the internal affairs department according to the customer to provide the certificate of insurance or the insurance policy number to immediately consult the copy of the policy and transcripts as well as photocopies of policies, copies of the policy and schedules. Check the premium charges and confirmed by the financial staff in the premium receipt (business and statistical union) on the copy of the signature (special payment must be attached to the agreement or agreement); (4) to confirm that the subject matter of the insurance within the validity of the insurance period or special payment before the insurance, the customer is required to fill out the "insurance filing inquiries" to be filed (such as telephone, fax, etc. reported by the inspector is responsible for requiring the customer to fill out the form), and in accordance with the order of the reported case Preparation of the case number; (5) the issuance of claims documents. After filing the case to the insured person to issue the relevant claim documents, and inform the claim procedures and methods (telephone, fax and other reports, by the inspector is responsible for); (6) notify the inspector to report the loss and the location of the insurance. The above work is completed within half a working day. [3] 2. Survey and determination of damage (1) inspectors in the insurance company after receiving the notice of the internal affairs staff to complete on-site survey and inspection within one working day (damaged subject matter in the field of inspection, can be entrusted to the local insurance company to complete within three working days); (2) require the customer to provide the relevant documents; (3) guide the customer to fill in the relevant claim documents.3. Signing and reviewing the claim documents (1) the business department, the insurance branch companies The internal affairs personnel will review the claim documents submitted by the customers, and return the incomplete documents to the customers after explaining to them that they need to make up for the documents, and sign and accept the "Insurance Report (Claims)" (in duplicate) on the complete documents, and then return the yellow union to the insured; (2) the claim documents and the information stored will be organized and handed over to the Claims Section of the Property and Casualty Department.4. Review of the settlement ( 1) The Claims Section is under the supervision of the insurance department. (1)The person in charge of the Claims Section receives the information handed over by the in-house staff and examines it, and signs on the handover book if the documents are complete; (2)All claims must be settled within 3 working days and handed over to the person in charge of the Claims Section for review.5. Approval(1)Claims within the authority of the General Insurance Department are handed over to the manager in charge of claims for approval; (2)Claims beyond the authority of the General Insurance Department are reported to the authorities of the Ministry of General Insurance at each level.6. Claims Settlement? (1) The operator of the Claims Section will number the claims that have completed the approval procedures, and submit the receipts and calculations of claims to the finance for payment; (2) after the confirmation of the payment of claims by the finance, the rest of the claims will be retrieved except for the receipts and calculations of claims in the red color. Off-site Claims I: Reporting. The insured can report the case through the insurance company hotline service, which is for foreign car insurance claims must go through the process, related to whether the owner can enjoy the claims service, report the time sooner or later, but also will directly affect the claims time faster or slower. Second: survey, loss determination. Accident occurred near the insurance company outlets staff to carry out surveys and loss determination, which is the key to claims. Three: price and loss verification. The policyholder submits the claim information to the insurance company branch, and the staff uploads the information into the auto insurance claim management system. V: Claims adjusters start reviewing, adjusting and underwriting the claims from the time they receive the materials. VI: The insured can go to the nearest branch to collect the compensation or get the compensation by transferring the money Single-party accidents Single-party accidents refer to single-party traffic accidents that do not involve injuries (deaths) or damage to third-party property (example: collision with an external object, damage to one's own vehicle but no damage to the external object or no need to pay compensation). The most common type of accident is unilateral accident, because it does not involve the third party's compensation for damages, only cause damage to the insured vehicle, the responsibility for the accident for the insured vehicle is fully responsible for, so the accident is very simple to deal with. First, report the accident, keep the accident scene, and immediately report the accident to the insured insurance company. 2, on-site processing 1, small losses (10,000 yuan or less), the insurance company will send someone to the scene to investigate, and issue a "survey report" 2, large losses (10,000 yuan or more), such as the surveyor that need to be reported to the traffic police to deal with the traffic police will report the case to the traffic police department to the scene of the traffic police department to investigate and collect evidence, and issue the "certificate of determination of the accident" 3, damage repair 1, damage repair 1, damage repair 1, damage repair 1, damage repair 1, the accident only caused by third party damages for the insured vehicle is the responsibility of the insured vehicle, so the accident is very simple. Third, damage repair 1, the owner of the vehicle will be sent to the loss determination center and notify the insurance company at the same time, loss determination 2, the repair shop to repair the car 3, the owner of the car four, submit documents to claim claims: collection of claim information and materials to the insurance company for claims procedures five, the loss of the accounting insurance company receives a complete set of claim documents for the calculation, and to determine the amount of the final payout. The financial staff of the insurance company will transfer the compensation to the bank account designated by the car owner according to the amount calculated by the adjuster. Claims Procedure I. Report the accident 1. After the accident, keep the scene of the accident and report the accident to the insured company of the vehicle immediately; 2. If the third-party loss is the road facilities or the third-party loss is the vehicle, you need to report the accident to the Traffic Police Department; 2. On-site processing-1. Insurance company personnel arrive at the scene and issue a Survey Report 2. Traffic Police Department arrives at the scene and issues an Accident Determination Certificate on-site Reminder: In general If the insurance company requires a report to the traffic police when reporting the accident to the insurance company, the insurance company personnel do not need to arrive at the scene to deal with! Third, the third party repair 1, if the third party non-motorized vehicles, it is best to ask the insurance company personnel at the scene to deal with, directly to reach a tripartite (the third party, the insurance company, the owner of the car) recognized as a price of the nuclear loss, if the loss can not be approved on the spot, then in the approval of the loss of the third party or the process of requesting that the insurance company to give the price of the nuclear loss reminder: if the insurance company does not allow, to promise themselves! The third party's commitment to the amount of the claim, this commitment to the insurance company is entitled to overrule the re-approval of the price and the third party's request for a gap, the gap will be borne by the owner of the car 2, if the third party is a motor vehicle, it is divided into the following two cases: First, if the third party agreed to go to the owner of the car owner to select the repair shop for repair, you do not have to pay the third party on the spot in any cash! Second, if the third party request to go to their own selected repair shop for repair, that is to say, the third party will go with the owner of a different repair shop for vehicle repairs, then the third party may require the owner of the accident scene to pay a part of the repair costs, or deposit or deposit, (because of the fear of the owner can not be found after the incident or after the incident the owner of the car does not recognize the account), bear in mind that: a, the scene of the money out of pocket, be sure to set up receipts; two, pay half The repair cost is more appropriate (because there may be a third party does not recognize the situation) Reminder 1: third-party vehicle repairs are completed, the owner must be delivered to the third-party repair costs or its choice of repair shop, and then get the third-party repair invoices and repair details to make insurance claims, if the third party does not provide relevant information or can not be found after the third-party, the third-party repair costs The insurance company is not able to pay the reminder of 2: Although it is mentioned above in the scene of the money, to the third party to set up a receipt, although this receipt can not be used as a basis for compensation, but this receipt can at least avoid the third party did not recognize the situation. Because the third party repairs are completed, the owner shall be delivered to the third party repair costs or the third party to choose the repair shop, if there is no receipt, the third party in case of non-recognition of the case, the owner should be in the third party vehicle repairs are completed, how much money to pay? Fourth, the vehicle damage repair 1, the damaged vehicle will be sent to the damage center and notify the insurance company at the same time, damage; 2, the repair shop to repair the car; 3, the owner of the car. Fifth, submit documents for claim settlement: collect the claim information to the insurance company for claim formalities Sixth, loss adjustment insurance company receives a complete set of claim documents after the calculation, in order to finalize the final amount of compensation. Payment:The insurance company's financial staff will transfer the compensation to the car owner's designated account according to the amount calculated by the adjuster. Multi-Party CrashMulti-Party Crash (with injuries and fatalities) refers to a double or multi-party traffic accident involving injuries and fatalities. Example 1: collision of pedestrians, pedestrians injured in this type of accident because it involves casualties, so it is more complicated to deal with the accident handling and insurance claim procedures a. Report the accident after the accident, the accident parties vehicles should be parked in place, keep the accident scene, and immediately report the case to the insurance company and the traffic police department; reminder: if there are casualties, it should be immediately sent to the hospital, unless the incident lot is relatively deserted or no cars passing by, try not to move the accident car. If the accident occurs, try not to move the accident car. Because if the accident car will be sent to the hospital, will cause the accident responsibility can not be identified. Second, the scene to deal with the traffic police department to the scene to investigate and collect evidence, and suspend the accident vehicle, the driver "driver's license" and the accident vehicle "license". Under normal circumstances, the traffic police handle the accident insurance company surveyors do not need to go to the scene to investigate. Third, the responsibility of the traffic police department according to the accident to make a judgment of responsibility, and to the parties involved in the delivery of the "Certificate of Responsibility"; such as the parties involved in the accident responsibility of the determination is not satisfied, should be received within fifteen days of the "Certificate of Responsibility" to the traffic police department to file a reconsideration or to the People's Court to file a lawsuit. 4, treatment of injuries, 1, diagnosis of injuries, doctors on the injured to examine, issue a "medical records" and "proof of diagnosis," and make a decision on whether to hospitalization. 2, hospitalization. Hospitalization doctor will treat the injured person. 3. If the attending doctor thinks that the injured person does not need to be hospitalized, the injured person should go through the discharge procedure and issue a Certificate of Discharge, stating the precautions to be taken after discharge, the time for recuperation, the time for nursing care, and the number of people to take care of the injured person. If the attending doctor thinks that the injured person does not need to be hospitalized, and the injured person refuses to go through the discharge procedure, the indemnified person shall notify the traffic police department, and the indemnified person shall not be responsible for the compensation of the expenses from the date when the attending doctor certifies that the injured person can be discharged from the hospital, and the insurance company will not pay for the compensation either. If the injured person is discharged from the hospital and needs to continue treatment, the doctor will issue a "certificate of continued treatment cost estimation", and the insurance company will pay for the reasonable costs.4. Disability evaluation After the treatment, the injured person can go to the relevant appraisal organization for disability evaluation, such as reaching the level of disability, and should obtain the "certificate of disability level".5. Medical guarantee and prepaid expenses When the parties at fault are unable to bear the medical expenses, the parties can make an application for prepaid medical expenses to the insurance company. When the parties involved in the accident cannot afford the medical expenses, they can apply to the insurance company for prepayment of medical expenses, with the "Certificate of Estimation of Medical Expenses" issued by the doctor and the list of paid expenses, they can get the prepayment of not more than 50% of the required expenses.6. Medical underwriting insurance company will send the medical underwriters to the hospitals and the Traffic Police Brigade to learn about the injuries of the injured person and the treatment situation during the treatment, and estimate and supervise the treatment expenses. V. Vehicle damage repair 1, the vehicle will be sent to the loss determination center, while notifying the insurance company to determine the damage in time; 2, the repair shop to repair the car; 3, the owner of the car to pick up the car. Sixth, compensation mediation 1, the injured treatment is over, the accident parties can go to the traffic police brigade to apply for compensation mediation procedures, you can also go to court to file a lawsuit. The court and the traffic police brigade will be based on the documents provided by the parties to the accident according to the relevant compensation standards and regulations for compensation mediation, the parties can be dissatisfied with the higher people's court lawsuit. 2, involving insurance compensation for the accident, to the court, the insurance company as the second defendant or the third party (Xiamen island court only allows the insurance company as a third party, can be a defendant outside of Xiamen island). VII. Submit documents to make a claim to pay the relevant costs, collect the information required to make a claim to the insurance company for the claim procedures VIII. Loss adjustments insurance company receives a complete set of documents for the claim, the beginning of the adjustments to determine the amount of the final payout. IX. Payment - The insurance company's financial staff will transfer the final payment to the car owner's designated account according to the amount calculated by the adjuster. Parking Accident Parked and Struck refers to an accident in which a vehicle is left unattended while parked and is struck by an unknown object causing damage to the vehicle. Example: The vehicle is damaged by a third party vehicle while parked in a parking lot, but the third party vehicle cannot be found. Note: The insurance company is only responsible for 70% of the compensation in this type of case! Accident Handling Methods and Insurance Claim Procedures I. Report the Accident After the accident, keep the scene of the accident and report the accident to the insurance company immediately. Second, the scene of the insurance company personnel arrived at the scene for investigation, and issued a "survey report", while according to the requirements of the surveyor to the police station or traffic police department to issue a "proof of the accident", can not issue a proof of the accident insurance companies will not be admitted to pay. Vehicle damage repair 1, the vehicle will be sent to the loss determination center and at the same time notify the insurance company, loss determination; 2, the repair shop to repair the car; 3, the owner of the car. Fourth, the submission of documents for claim settlement: collect claim information to the insurance company and handle the claim formalities five, the loss adjuster insurance company received a complete set of claim documents began to adjust, in order to determine the final amount of compensation six, the payment of the insurance company's financial staff in accordance with the amount of adjusters adjusted to the owner of the designated account transfer all the benefits of the whole car stolen car theft refers to the theft of the entire vehicle, was stolen, robbed.
Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"