The whole process of going to claim 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.

1、 Quick claim process
for minor accidents of both parties meeting the following three conditions at the same time, they can go to the quick claim center to handle accident claims
1. The accident did not cause casualties
2. The accident vehicle can still run normally
3. The loss of both parties' vehicles is less than 5000 yuan. The fast claim center is where all the insurance companies are and can provide one-stop service
owners of both sides can directly go to the nearest "fast claim center" to handle traffic accident handling, vehicle insurance claims and repair matters in one stop, or entrust other people to handle them, but they need to bring their driver's license, driving license and other information< Second, the claim process (on-site processing)
1. In case of an accident, it needs to be handled within 24 hours
2. Take photos, turn on the danger light, get off the car after ensuring safety, and take more than 4 photos with mobile phone. The scene photography should reflect the whole picture of the accident, road direction, vehicle driving state, vehicle number plate and vehicle loss, and it is better to clearly reflect the responsibility of the accident
3. In exchange of certificates, the owners check the driver's license, driver's license and insurance, exchange driver's license or attached pages of driver's license, leave each other's names and telephone numbers, and agree on the time and place of the express claim center Within 24 hours of the accident, both parties go to the quick claim center at the same time.)< Step 1: fill in the form (print the agreement sheet), fill in the form, and draw out the agreement sheet "agreement on self negotiation of the parties in minor traffic accidents". Both parties should take the ID card, driving license, original and plicate of the driver's license, original of the insurance contract and photos of the scene, Go to the front desk of the quick claim processing point to fill in the relevant information
Step 2: print the accident confirmation letter "motor vehicle insurance accident quick claim case handling sheet". After the police determine the responsibility, both parties can print the accident responsibility confirmation letter at the front desk and sign it
Step 3: the insurance company shall determine the loss and repair the accident, and go to the designated window of the insurance company for loss determination and claim settlement with the Accident Liability Certificate (each insurance company on site has a specially assigned person to accept)
Step 4: set the loss and seal. After the insurance company checks the car, the staff sign and seal the car inspection form
Step 5: the traffic police seal, the two parties to the traffic police designated area to show their certificates and photos, respectively state the process of the accident, the traffic police confirm the authenticity of the accident after the seal
5. Apply for claim settlement, the agreement on handling minor traffic accidents through negotiation by the parties themselves, the quick claim handling form for motor vehicle insurance accidents, copies of ID cards, driving licenses, original and plicate copies of driving licenses, and copies of insurance contracts of both parties, and apply for claim settlement
both parties shall negotiate the responsibility by themselves. If the responsibility is not clear, a contact form shall be issued in the quick claim center and the case shall be handled by the traffic police brigade in the place where the accident occurred
3. Special notes:
1. Traffic police need to seal
2. The fast claim center needs to pay the contract of compulsory insurance and commercial insurance. It is recommended to put both in the car
3. The fast claim center accepts the insured vehicles in Shaanxi Province
4. Within 24 hours after the accident
5. In case of traffic accident, you must consult the insurance company you underwrite
6. Check in advance whether the driver's license is within the validity period, whether the compulsory insurance is handled, and whether the car has been approved

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3.

Contact the insurance

1. According to Article 76 of the road traffic safety law of the people's Republic of China, the liability for compensation shall be negotiated by itself or under the guidance of the insurance company's personnel who investigate and determine the loss

If there is no insurance claim, it can be negotiated and performed under the principle of equality and voluntariness

(1) after reporting the case to the insurance company, go to the nearest traffic accident quick claim center or the place designated by the insurance company for accident loss investigation, loss determination and claim settlement

(2) obtain the confirmation letter of traffic accident loss issued by the investigators after the accident loss survey

(3) fill in the insurance claim form according to the regulations, and according to the agreement with the insurance company, go to the quick claim center to handle the insurance claim with the relevant materials

extended data:

1. It is not suitable to evacuate from the scene in five cases of traffic accidents

2. Vehicles carrying explosives, flammable and explosive chemicals, toxic, radioactive, corrosive, infectious disease pathogens and other dangerous goods

3. The motor vehicle has no license plate, no inspection mark, no insurance mark, or the motor vehicle driver has no valid driving license

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5. The driver had drinking, taking psychotropic drugs or narcotic drugs controlled by the state and other immovable situations

The parties concerned should protect the scene and immediately report to the police:

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2. The parties have disputes about the facts or causes

3. The motor vehicle has no license plate, no inspection mark and no insurance mark

4. Vehicles carrying explosives, inflammable and explosive chemicals, toxic, radioactive, corrosive, infectious disease sources and other dangerous goods

4.

automobile accident claims process, after the accident, the first report to the insurance company, the insurance company staff according to different accidents, treatment methods are not the same:

simple accident: the surveyor sent by the insurance company to take photos and directly determine the damage

there was no traffic accident injury between the two parties: it was handled by the fast claim center

the rapid processing center is responsible for determining the amount of loss without issuing the traffic police accident confirmation; The amount of loss shall be determined on the spot according to the standard, and the loss shall be investigated and determined once. The price issued by quick claim center has been recognized by many insurance companies

extended data

it should be noted that if the compulsory insurance and commercial insurance are underwritten by two insurance companies respectively, the original of the traffic accident should be submitted to the insurance company of the compulsory insurance, and the of the special insurance seal should be stamped. It must be provided before it is submitted to cover commercial insurance. The company filed a claim

5. Leverage token essentially corresponds to perpetual contract, which can also be understood as spot transaction for convenience.