How to deal with the loss determination center

1.

Vehicle insurance fast claims, need to provide by the traffic police issued by the accident identification and vehicle damage repair invoice and claim application, as well as the driver's license, driving license, the insured's ID card, insurance policy can be insured

(1) original insurance policy, claim application, property loss list, technical appraisal certificate, accident report, ambulance expense invoice, necessary account books, documents and certificates of relevant departments

(2) other certificates and materials that can be provided by the applicant and the insured to confirm the nature, cause and degree of loss of the insured accident

(3) if the applicant and the insured fail to perform the obligation of providing documents as stipulated in the preceding paragraph, which makes it impossible for the insurer to verify the loss, the insurer shall not be liable for the part that cannot be verified

2. The most basic materials for vehicle insurance claim settlement are: claim application form, repair invoice, insurance loss order, original repair list of repair unit, driver's license and of driver's license

3. If the loss is relatively small and the insurance company has determined the loss at the scene, then the insurance company will come to the scene for investigation, provide complete information, settle the claim quickly, and provide nothing afterwards, and the insurance company will pay the claim directly to the insured within three days

extended data

automobile insurance claims involves a wide range of work, and the situation is relatively complex. In the process of compensation handling, especially in the process of vehicle accident investigation, we must put forward e requirements and adhere to certain principles

First, we should establish the guiding ideology of serving the insured and adhere to the principle of seeking truth from facts, which embodies the economic compensation function of insurance in the whole process of claim settlement. When an automobile insurance accident occurs, the insurer should try his best to avoid expanding the loss, minimize the impact caused by the disaster accident, timely arrange the repair of the accident vehicle, and ensure the basic recovery of the original technical performance of the vehicle, so that it can be put into proction and operation as soon as possible

In order to ensure the continuous proction and operation of transportation proction units (including indivial transportation households) and the stability of people's life, the compensation cases should be handled in time and the compensation should be paid

Second, abide by the contract, keep promise and act in accordance with the law. Therefore, when dealing with compensation cases, the insurer must strengthen the concept of legal system, act in strict accordance with the terms and conditions, pay for the compensation that should be paid, and pay enough according to the compensation standards and regulations; For the loss that does not fall within the scope of insurance liability, we should not make excessive compensation. At the same time, we should explain the truth to the insured. For the part of refusing compensation, we should stress facts and evidence

2. Take photos at the scene, inform the insurance company to report the accident, generate the accident number, take the photo
accident number to the claim center to issue the accident confirmation letter, then drive the car to the 4S store and inform the insurance company to fix the loss

3. You should go out first, take the other party's repair invoice with you (pay attention not to exceed the fixed loss limit), and then go to the insurance company for reimbursement. But now some insurance companies directly determine the loss and transfer the money to your account, regardless of how to repair the car

4. 1. "After the traffic police came to the scene to identify the other party's full responsibility, but they didn't take pictures (in order not to block the road, the other party moved the car)": it doesn't matter if they didn't take pictures or move the car, since the traffic police have identified the other party's full responsibility. The important thing is to get the traffic police's certificate of responsibility for the accident, which is the important evidence when negotiation with the other party fails to sue

2. "I've only bought my car for one year, and I definitely have to repair it at the 4S store. If the other party insists on repairing it at the 4S store and doesn't pay for it, how should I deal with it? It's said on the Internet that I should pay first and then file a civil lawsuit. Is this feasible? "No trouble?":
(1) you should go to a regular 4S store to repair your car. If you have any objection about which 4S store to go to, both parties can negotiate, but there is no reason that you have to go to the other party's designated store
(2) you can repair the car with your own money, and then negotiate with the other party to ask for the repair fee. If the negotiation fails, you can ask the traffic police to mediate. If the mediation fails, you can go to the court to sue, or you can go directly to the court to sue without the mediation of the traffic police
(3) it's troublesome to sue, because it takes at least one or two months, so it's suggested that you negotiate with the other party or ask the traffic police to mediate. If the other party plays tricks and the negotiation fails, the trouble can only be solved by prosecution

3. "We also issued a receipt to him for the 2000 deposit, saying that we would refund more and make up less. Now he is using the excuse that he would not open the confirmation letter if he did not pay back the money. Is it Tenable?"
(1) if it is not tenable, don't worry about him, we will not refund the 2000 deposit. If you give it back, you may not get any money from him
(2) it's his own business whether he fills in the confirmation form or not. If he doesn't open the insurance company, he will have to compensate you

4. "In the face of this kind of rascal, are we sure we have no way?" No, go to the traffic police department as soon as possible to get the responsibility confirmation, and then repair the car with money. If negotiation with the other party and traffic police mediation fail, go to the court in time to sue. When suing, apply to the court for property preservation (now you can also apply for pre litigation preservation, but you should sue within 15 days after preservation), and seal up his car

5, "if I really want to go through legal proceres, can I claim compensation for vehicle depreciation cost, work delay cost, mental loss cost, and what else is reasonable?":
(1) it is difficult to support the vehicle depreciation fee. If the delay fee is an operating vehicle, it may be supported, but it is not likely to be supported by ordinary vehicles
(2) as for compensation for mental loss, if there is no personal injury, it is difficult to support it
(3) in case of personal injury, you can also ask for medical expenses, work delay expenses, nursing expenses, transportation expenses, etc. If it's just the loss of the vehicle, you can also ask for the transportation and accommodation expenses for the repair of the vehicle, as well as the subsidy for work delay.

5. Go to the traffic police to deal with the accident, get the responsibility appraisal certificate, and then go to the insurance company of the other party's vehicle insurance company to ask for damage compensation. No trouble

6. If you're telling the truth, I don't quite understand. It can be understood that the owner of the chicken shed doesn't understand the law, but we don't understand the court's claim for compensation. First of all, the owner of the chicken shed should prove that his son has inherited his father's legacy, so that he can bear the compensation liability within the scope of his inheritance. Secondly, if a lawsuit is brought, it will be decided by the court. It's too much to make trouble every day, resulting in the death of two people. If necessary, the daughter-in-law should report to the police. In addition, if there is a causal relationship between the death of father and son and the coercion of the owner of the chicken shed, the owner of the chicken shed can be sued for compensation.

7. Just go directly to the traffic police team. If you are sure that you passed this section at that time, then it's basically a real scratch. You don't care. If you don't deal with it after being urged for many times, you can be judged as a traffic hit and run, with 12 points dected and a fine of 2000 yuan dected, or your driver's license revoked and your driving prohibited for life.

8. No, if there is an accident on that day, the insurance purchased on that day is not yet effective, and the insurance is generally effective at 0:00
if you conceal the time of the accident and try to get insurance compensation, you will be guilty of insurance fraud< According to Article 198 of the criminal law, those who engage in insurance fraud activities with a relatively large amount of money shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and shall also be fined not less than 10000 yuan but not more than 100000 yuan< If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 20000 yuan but not more than 200000 yuan
if the amount is especially huge or if there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and shall also be fined not less than 20000 yuan but not more than 200000 yuan or be sentenced to confiscation of property
it is recommended to repair the car by yourself. If you want to avoid loss in the future, you should buy insurance as soon as you buy the car