Does claim center need to report insurance in advance

1.

Take 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

< H2 > extended information:

Ping'an has opened a fast compensation channel for car owners who meet the following conditions:

1. Pure car damage accident

2

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

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

How to buy insurance, which is better, hand in hand to teach you to avoid these "pits" of insurance

3.

This kind of thing is divided into two categories, one is caused by itself, the other is caused by the third party

the first; If the loss is caused by itself, you don't need to call the police. You just need to call the insurance company. The insurance company will designate a repair shop or place to repair, and you will go to the place designated by the insurance company to repair. Basically, you don't need to pay in advance, because the designated shop will have relevant insurance company personnel, who will settle the claim and repair at the first time, You need to bring your ID and vehicle with you. Then the claim will be settled in one day, and you just need to wait for the vehicle repair to be completed

the second; If the car owner and others (the third party) have an accident, you need to pay attention here. You can pay in advance or negotiate to go to your own designated repair shop. There are two types

1. If the third party and the car owner are willing to go to the repair shop selected by the car owner for repair, there is no need to pay any cash to the third party on the spot

2. If the third party asks the owner to repair the vehicle in the repair shop selected by the owner, that is to say, if the third party does not agree to repair the vehicle with the owner in the repair shop selected by the owner, the third party will definitely ask the owner to pay a part of the cost, which is also called deposit or deposit, because they may worry that they will not find the owner or admit it, But you have to remember to pay the invoice or receipt, and don't pay too much. The cost of repair is almost the same, because if you pay too much, the third party won't admit it, and you will suffer a loss

but remember to call the police or the insurance company of your vehicle in the first time, because the insurance company will have a relevant system in more than 24 hours, and if it is out of date, it is the owner who will suffer

extended information:

often many car owners are at a loss after an accident, and they will deal with things according to the opinions of the insurance company or the traffic police, but they still need to pay attention to many things, especially the following points

in case of an accident with others, the owner must pay the repair cost to the third party or the repair shop chosen by the third party after the repair of the third party's vehicle. However, the insurance claim can only be made after obtaining the repair invoice and maintenance certificate of the third party. If the third party does not provide the relevant information to the owner or cannot find the third party afterwards, the third party shall pay the repair cost to the third party, During this period, the insurance company will not compensate for the repair expenses incurred by the third party. We must pay attention to this kind of expenses

there is another way, if the third party is willing to repair the vehicle with the owner in the repair shop designated by the owner, it will be relatively simple. If the third party is not willing to repair the vehicle in the repair shop designated by the owner, it will certainly advance money, so it is necessary to ask for the invoice or the bill for repairing the vehicle, so as to guard against the third party's later denial and asking for the invoice and receipt, It is a kind of insurance to guard against the third party's denial afterwards

reference: vehicle insurance claim procere_ Network

vehicle insurance claim procere_ Network

4. The insured knows or should know the occurrence of the insured accident. 3. I'll tell you that you can't claim for more than two years. Some insurance companies misunderstand the claim period. 1. The claim time limit of property insurance is generally two years. The two-year rule is to make a little less claim. It should be understood early. If the difference is not too big, there is no time limit requirement, which proves that you have exercised your right to claim. As for what materials you submitted and did not claim within 2 years, it is deemed that you have given up your right to claim. 2. When you're in danger. I've reported it to the insurance company. I suggest that we should bear some losses. We can sue them. At that time, the "wage bank statement" should be used to calculate the cost of work delay...

5. You have to call the company

6. may not. It depends on what kind of insurance you are, auto insurance, property insurance or life insurance. No matter what kind of insurance, you should first call the insurance company to "report". The main insurance companies are China Life Insurance 95519, Ping An 95511, Pacific Insurance 95500, Xinhua insurance 95567, PICC 95518 and Taikang life insurance 95522
when you report, you should first find out your policy, prepare your policy number and ID number, then transfer to the labor service. After the report, there are salesmen coming to help you with the claim, tell you the information required for claim, minor accidents generally proceres are very simple, the claims are generally very fast, and 1000 or less basically can get money within three days.
I hope I can help you

7. photograph. Just wait to go.

8. It depends on the arrangement of the insurance company. If you are asked to go to the claim center, you can go! Should be everything has a result! Just let you handle the procere!