Do you want to go to the claim center early
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 verified2. 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 evidenceTake ping an automobile insurance as an example: the claim settlement process can not be operated by other agents, and it needs to be handled by the applicant himself
vehicle insurance fast claim process
1. Call 95511 to report the accident
call 95511-9 to report the accident immediately after the accident, and the claim officer will arrange assistance according to the accident situation
2. Accident investigation
confirm accident insurance liability, loss situation and cost, and recommend loss repair scheme
3. Confirm the loss repair plan and select the repair method of the damaged property, including the selection of vehicle repair plant, etc; In line with the fast claim conditions, customers can go through the fast claim channel, which is completed in 4 steps
4. After the claim information is reviewed, the case is closed. Ping An through bank transfer, the compensation payment to complete the claim. Car owners who meet certain conditions can enjoy immediate payment of compensation
Ping'an has opened a fast compensation channel for car owners who meet the following conditions:
1. Pure car damage accident
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3. The accident responsibility is clear, and the claim materials are effective and safe
4. The invoice and claim settlement materials agreed to be collected and submitted by Ping'an express compensation Co., Ltd
remember to adopt
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
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:1
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
The insurance company's quick claim center will arrange personnel to be on ty at the weekend. The specific ty time can be inquired by calling the local quick claim center
rapid claim settlement process of vehicle insurance:
1. Call 95511 to report the accident
call 95511-9 immediately after the accident, and the claim officer will arrange assistance according to your accident situation
2. Accident investigation
the surveyor will provide you with 7x24 hours on-site accident investigation service, confirm the accident insurance liability, loss situation and cost, and recommend the loss repair scheme
3. Confirm the loss repair plan
select the repair method of damaged property, including the selection of vehicle repair plant, etc; In line with the fast claim conditions, customers can go through the fast claim channel, which is completed in 4 steps
4, repair
for vehicle maintenance, it is recommended to choose the repair shop recommended by Ping'an first, which is high quality, convenient and guaranteed
5. Submit claim information
for cases with claims less than 10000 yuan, pure vehicle damage, and no claim settlement by the repair shop, you can enjoy the service of on-site collection of claim information, and other car owners can submit the information to the counter of claim online shop for review
6. After receiving the claim information and reviewing, the case is closed. Ping An will pay you the compensation through bank transfer to complete the claim settlement. Car owners who meet certain conditions can enjoy compensation
extended data
Several Provisions on rapid handling of traffic accidents and rapid settlement of insurance claims:
I. the traffic accidents mentioned in these Provisions refer to the traffic accidents that do not cause casualties on the roads of the administrative areas of the city
accidents outside the road that do not cause casualties shall be handled according to this regulation
(2) in case of any of the following circumstances, the party concerned shall report to the police for handling:1. The motor vehicle has no license plate, no motor vehicle insurance mark or commercial third party liability insurance certificate, and no inspection mark
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3. Motor vehicle drivers drink alcohol or take psychotropic drugs or narcotic drugs controlled by the state
4, collision with buildings, public facilities or other facilities
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6. The party concerned is unable to move the vehicle by himself after the traffic accident
(3) in case of traffic accidents other than those specified in Article 3, either party shall fill in the "confirmation card of the accident facts of the parties involved in the motor vehicle traffic accident" (hereinafter referred to as the "confirmation card", see Annex 1 for the specific style), and move the vehicle to a place that does not hinder the traffic after confirmation and signature by all parties, Negotiate or call the police, and wait for the traffic police to deal with itTraffic accident fast compensation center, do not go to work on Saturday, in addition to (legal holidays, weekend off, Saturday work), traffic accident fast compensation center work from Monday to Saturday