Auto Insurance Claims Process
I. Reporting a Case
1. After an accident, the customer will report the case to the insurance company's claims department
2. After the report is received by the housekeeping staff, the customer is asked to fill in the "Business Accident Registration Form" (the report is made by phone or fax on behalf of the housekeeping staff)
3. According to the insurance voucher or policy number provided by the customer, the housekeeping staff will check the copy of the policy and make a copy of the policy, the copy of the policy and the schedule immediately. No. Immediately access to the policy copy and copy and copy the policy, the policy copy and schedules
Access to the premium charges and the financial staff to confirm the signature on the copy of the premium receipts (business and statistics) (special payment must be accompanied by a letter of agreement or agreement)
4, to confirm that the subject matter of the insurance policy in the insurance validity of the term or the insurance before the special payment, the customer is required to fill out the "insurance case inquires about the form"
4, to be filed (such as telephone and fax reports to be filled on behalf of the case) To be filed (such as telephone, fax and other reports, the inspector is responsible for asking customers to fill out), and in the order of the report to prepare the case number
5, the issuance of claims documents. After filing the case to the insured issued 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, report the loss and the location of the insurance
Two, survey and damage determination
1, the inspector in the insurance company to receive notification of the internal affairs of the completion of on-site surveys and inspections within one working day (damage) Subject matter in the field of inspection, can be entrusted to the local insurance company to complete within three working days)
2, request the customer to provide the relevant documents
3, to guide the customer to fill out the relevant claim documents
Three, signing and reviewing the claim documents
1, the business department, the insurance branch of the housekeeping staff to audit the customer to submit claims for damages claim documents, the formalities are not complete to the If the formalities are not complete, they will explain to the customer the documents that need to be submitted and return them to the customer. If the documents are complete, the customer should sign and accept the insurance report (claim) in duplicate and return the yellow copy to the insured person
2. After organizing the claim documents and the information on hand, they will be handed over to the Property and Casualty Department's Claims Section
Fourth, adjusting and reviewing
1. The Claims Section will examine the information handed over by the staff and the documents will be handed over to the customer in the handover book if the formalities are complete. (2)All claims must be settled within 3 working days and submitted to the person in charge of the Claims Section for review
V. Approval
1. Claims within the purview of the Property and Casualty Department are submitted to the manager in charge of claims for approval
2. Claims exceeding the purview of the Property and Casualty Department are submitted to the manager in charge of claims for approval
VI. The number of claims that have completed the approval process, the receipt and calculation of claims to the financial transfer
2, the financial confirmation of the payment of claims, in addition to the receipt and calculation of claims in red, the rest of the retrieval
Expanded Information:
Car insurance refuses to cover
1, hit their own family members will not be compensated
In the insurance terms and conditions of the insured or driver's family members do not belong to "The third party" is the category. Therefore, if the vehicle hit the family members, commercial third party insurance terms and conditions for exemption. Similarly, vehicles touch each other, if they belong to the same unit owned, can not be mutual three, according to the provisions of the provisions of the non-compensation, can not be compensated through the third-party liability insurance
2, lamps or mirrors broken alone does not pay for
The exemption is designed to deal with the development of some of the repair shop fraudulent behavior, because of this exemption a lot of owners even if it is unintentional cuts and dabs will also be
3, put the full responsibility of the perpetrator to let go without compensation
If the owner of a collision with another vehicle, and the responsibility of the other party, not because of the rush is too much trouble or any other reason to give up to the other side of the right to compensation, the owner of the third party once given up the right to recover, but also give up to the insurance company to ask for compensation right.
4, deep water forced ignition caused by engine damage does not pay
Vehicles traveling to the depths of the water, the engine stalled, the driver forced ignition caused by engine damage, vehicle damage insurance is exempt from the scope of the loss is due to the driver's improper operation
5, the vehicle repaired during the damage caused by the loss of indemnity
If the vehicle in the Repair period occurred during any collision, theft and other losses, the insurance company will refuse to pay, because the repair shop has the responsibility to properly maintain the maintenance of the vehicle
6, towing a car without compulsory insurance accident does not pay
If the owner of the car driving towing a car without compulsory insurance or by the lack of compulsory insurance towing a car without third-party liability insurance vehicle on the road, and other vehicles collided and is responsible for The commercial third party insurance will not make any compensation for this
7, private equipment does not pay
Many car owners will buy their own car after the installation of audio, radio, refrigerator, tail or luggage racks, etc., once an accident caused by the loss of private equipment, the insurance company will not be compensated for this, the owner of the car needs to add their own equipment to a separate insurance
8, the car was damaged by the items do not pay
If the vehicle was in the compartment or the roof of the car loaded with items hit the damage caused by the insurance company is not responsible for compensation
9, not after the loss of direct repair does not pay
If the vehicle is insured, the owner of the vehicle needs to go to the insurance company to determine the damage before repairing the car, or the insurance company may not be able to determine the amount of loss and refused to pay
10, vehicle parts stolen does not pay
If the vehicle is only parts such as tires, audio equipment, etc. was stolen, the owner can only be at their own risk of loss, driving under the influence of alcohol, driving without a license, license, license is not inspected, or internship on the highway in the event of an accident and other circumstances, the insurance company may also refuse to pay
11, the vehicle is not annual inspection of no compensation
According to the insurance contract, insurance only takes effect for qualified vehicles. The insurance is only valid for qualified vehicles, and vehicles that have not been inspected can only be considered as unqualified vehicles
Baidu Encyclopedia - Car Insurance Claims Process
Baidu Encyclopedia - Car Insurance Claims