To call the insurance company first, the specific process is as follows.
Claims process:
Report. Once the insurance, the first time to the insured insurance company phone report, most insurance companies have now opened a 24-hour service hotline. In this part of the report, you can through the customer hotline or agent, to understand the next step of what needs to be done to prepare for the claim. A word of caution here is that if it is through the customer service hotline, it is best to ask for the job number of the operator who gives the advice, so as to avoid disputes arising from following his advice but not being recognized by the insurance company afterwards.
Cooperate with the insurance company to investigate the case. Generally speaking, after reporting the accident, the insurance company may send someone to the scene to conduct a survey. At this time to protect the scene, waiting for the insurance company's survey personnel to come to the investigation and evidence, and truthfully answer the survey personnel to ask the relevant questions; if the insurance company does not send people to the scene, you can and they agreed to send the car to a designated place. If you don't send someone to settle the claim, you can file a complaint.
Swiftly handle the relevant formalities with the traffic control and other departments. Such as accident certificate, compensation mediation, disability appraisal, etc., and keep the relevant documents properly.
Arranging vehicle maintenance matters. In general, insurance companies will recommend some repair shops after the loss is determined, and it is best to do some investigation and understanding of the technology and services of these repair shops before making a decision. Note: Don't easily believe that the repair shop claiming to be the "designated repair shop of so-and-so insurance company" can get discounts and other promises. As a matter of fact, in the past, after the insurance company appointed a repair shop, there were often disputes between customers about the quality of repairs and the manufacturer, and then the insurance company was complained after losing money. Therefore, in recent years, insurance companies rarely specify the practice of repair manufacturers, no matter where you repair, insurance is generally only in accordance with the price of its loss is the price of compensation. Need to remind is that if the main loss of the current insurance accident is the vehicle repair costs, it is recommended and repair shop consultation, entrusted to handle the claim matters, and it is best not to let the car when the first advance repair costs, that is, when the claim is successful, let the insurance company will be claimed directly to the repair shop, which at least can save a lot of time.
If the accident caused the third party personal injury. In the traffic department to host mediation, please pay attention to the following matters:
1, your liability should be in line with the "road traffic accident liability determination" ruled by the responsibility for the traffic accident.
2, according to the relevant laws, the items of compensation include: medical expenses, lost wages, hospital meal allowance, nursing care, living allowance for the disabled, disability appliances, funeral expenses, death compensation, living expenses for the dependent population, transportation, accommodation and direct damage to property, and the standard of compensation for each item has been clearly stipulated by the state. You have the right to refuse to bear the extra items or the extra part of each item, and the insurance company will not be liable for the extra cost that exceeds the compensation standard of the state. Finally, you should also be reminded that most car insurance claim disputes are caused by the third party personal compensation issues, the main reason is that the car owner does not understand the state compensation standards, the compensation amount exceeds the legal compensation standards; or the car owner wants to quickly close the case, and accepts the other party's requirements that are not in line with the law against their will. And when claiming from the insurance company afterwards, these excess compensation standards will be refused by the insurance company, thus causing claim disputes. However, if you want to shorten the processing time of the traffic accident and avoid a long and costly litigation process. It's not a bad idea to make some modest compromises, and although you won't get insurance coverage for the compromised portion of the accident, you'll still save yourself a lot of time and energy.
When the accident is the responsibility of the other party, you should directly find the at-fault person to compensate. If he is not willing to pay, you can go to court, and then bring the certificate of acceptance of the People's Court, and ask your insurance company to pay first.
If the vehicle is stolen, you should handle the stolen vehicle sealing procedures: as soon as possible with the public security organs in the place of occurrence of the certificate to the vehicle management office to get the sealing form, with the form to the public security organs to deal with the relevant formalities, sent to the vehicle management office to seal the sealing. If you are still unaccounted for for 3 months, you can go directly to the insurance company to make a claim.