1. In this case, the decision is made by the other party’s insurance company and has nothing to do with your own insurance company.
Second, if the other party is fully responsible, you do not need to apply for insurance or advance funds, you can directly use the other party's insurance.
1 After a general accident occurs, first call the police to the traffic police. If the other party is fully responsible, the other party will report the accident to the insurance company. If one party is fully responsible, the other party will also report the accident. Both parties are required to report the accident to their own insurance companies. .
2. If you only need compulsory traffic insurance compensation, that is, the compensation standard is within 2,000 yuan, after the traffic police issues a certificate of accident liability. The two parties can negotiate and go to the nearest quick claim center to handle it;
3. If the amount of loss is too large, wait for the insurance company's claim adjuster to arrive at the scene to take photos and verify it, then drive the car to a 4S shop or a regular repair shop, and find it yourself Places that are trustworthy;
4. After arriving there, disassemble and inspect the vehicle in the presence of the insurance company’s loss assessor, verify the price of the parts that need to be repaired, and submit the report to the company after it is approved. They fix it directly. The other party can advance the payment first, and after the repair, you can get the invoice and contact the insurance company for reimbursement. The other party can also negotiate with the insurance company and transfer the compensation directly to the 4S store.
3. According to Article 15, Item 4 of the Supreme Court’s Interpretation of Several Issues Applicable Law in the Trial of Traffic Accident Damage Compensation Cases, non-commercial vehicles cannot be used due to traffic accidents, and the reasonable use of alternative means of transportation is Expenses should be compensated. Compensation is generally based on the number of days it takes to repair the car and is based on the taxi standard. Go through the basic process of accident claims. 1. Both parties determine the specific responsibilities, and the traffic police will issue a traffic accident liability determination letter. This determination letter will be used to determine the liability of both parties for compensation during litigation and claims settlement, so this is key evidence. 2. After the person concerned recovers from his injuries, go to the judicial appraisal institute to find a forensic doctor to determine whether there is a degree of disability. The physical appraisal needs to wait at least four months after the incident, and the mental appraisal needs to wait at least six months. Before the appraisal, you need to go to the traffic police team to issue a power of attorney for judicial appraisal. After the appraisal is completed, go to the traffic police team to open the appraisal report in triplicate. 3. When making compensation, it is necessary to see whether the injured person has a disability level. Those with levels below ten will only be compensated for basic medical expenses, property damage expenses, lost wages, etc. Those with level ten and above can claim disability subsidies from the other party. The specific amount calculation will differ depending on whether you have a non-agricultural household registration. 4. After the evidence and materials are complete, you can proceed with the lawsuit and claim settlement.