How long do you go to claim center after car accident

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

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

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

(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

4

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

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

You drive the car not far from the place of the accident, but it is still measured according to the height and trace of the scene, which will not have any impact. However, it is necessary to report the case within the reporting time stipulated by the insurance company. If the report is late, it is possible to dect part of the exemption. In general, the case will be closed in a week or so. In special cases, it will take a longer time. There are also three or two days to receive the compensation. The basic process of claim settlement includes: report, survey and determine the loss, sign and review the claim documents, adjust and review, approve and close the case. General process: automobile insurance claims process: accident - Report - Investigation - loss determination - price evaluation - loss evaluation - compensation payment: accident. 1. Report: the general insurance company requires to report the case within 48 hours 1) After the accident, the customer reports to the claim Department of the insurance company 2) After receiving the report, the back office requires the customer to fill in the business accident registration form immediately (telephone, fax and other reports shall be filled in by the back office on behalf of the customer) 3) According to the insurance certificate or policy number provided by the customer, the office staff immediately check and the of the insurance policy, the of the insurance policy and the attached table. Check the situation of premium charge, and the financial staff shall confirm the signature on the of premium receipt (business and statistics sheet) (special payment shall be attached with agreement or agreement) 4) Confirm that the subject matter of the insurance is paid within the validity period of the insurance or before the accident, require the customer to fill in the inquiry form of accident filing, put the case on file (such as telephone, fax, etc., the inspection personnel shall be responsible for asking the customer to fill in), and write the filing number according to the order of reporting 5) Issue claim documents. After the case is filed, relevant claim documents shall be issued to the insured, and the claim proceres and methods shall be informed (the inspection personnel shall be responsible for reporting the case by telephone, fax, etc.) 6) Inform the inspector to report the loss and the place of accident. The above work will be completed within half a working day[ 3] 2. Survey and loss determination (1) the inspectors shall complete the on-site survey and inspection within 1 working day after receiving the notice from the internal service of the insurance company (for the inspection of the damaged object in other places, the local insurance company can be entrusted to complete it within 3 working days) 2) Require customers to provide relevant documents 3) 3. Sign in and check the claim documents. (1) the in-house staff of the business department and each insurance branch shall check the claim documents submitted by the customer, and return the incomplete documents to the customer after explaining to the customer that they need to be supplemented. For the claims with complete documents, the yellow shall be returned to the insured after signing on the "accident report (claim) in plicate." 2) After sorting out the claim documents and the information kept, they shall be submitted to the claim section of the property insurance department. 4. Adjustment and review (1) after receiving the information from the internal staff, the operator of the claim verification department will check and sign on the handover book if the documents are complete 2) All claims must be settled within 3 working days and submitted to the person in charge of the claims section for review. 5. Examination and approval (1) the claims within the authority of the property insurance department shall be submitted to the manager of the main management department for examination and approval 2) Report the authority of overproction insurance department level by level. 6. Settlement of claims 1) The person in charge of the claim verification Division will number the claim that has completed the approval proceres, and submit the claim receipt and calculation sheet to the financial department for transfer 2) After the compensation is confirmed by the financial department, except for the accompanying receipt and the red sheet of the calculation sheet, the rest will be taken back. Off site claim 1: report to the police. The policyholder can report the case through the hotline service of the insurance company, which is a necessary process for handling the claim settlement of remote vehicle insurance. It is related to whether the owner can enjoy the claim settlement service. The time of reporting the case will also directly affect the speed of the claim settlement time. 2： Survey and loss determination. The key to claim settlement is to check and determine the loss by the staff of the nearest insurance company. 3： Check price and loss. 4： The applicant will submit the claim data to the insurance company network, and the staff will upload the data to the auto insurance claim management system. 5： The claim settlement personnel begin to review, adjust and check the claim after receiving the materials. 6： The policy holder can get the compensation from the nearest branch or get the compensation through transfer. The compensation procere of unilateral accident refers to the unilateral traffic accident that does not involve personal injury (death) or the third party's property loss. For example, collision with external objects, damage to his own vehicle, But there is no damage to the external object or no need to pay compensation) accident handling and insurance claim proceres unilateral accident is the most common type of accident, because it does not involve the third party's damage compensation, only cause damage to the insured vehicle, the accident liability for the insured vehicle is fully responsible, so the accident handling is very simple. 1、 After reporting the accident, keep the scene of the accident and report it to the insurance company immediately. 2. On site treatment. 1. If the loss is small (less than 10000 yuan), the insurance company will send someone to the scene to investigate and issue the investigation report. 2. If the loss is large (more than 10000 yuan), the investigator will report the case to the traffic police department, who will investigate and collect evidence on the scene, And issue the "accident confirmation letter" 3. Fix the loss 1. The owner delivers the vehicle to the damage center and informs the insurance company at the same time. Fix the loss 2. Repair the car in the repair shop 3. The owner takes the car 4. Submit the documents for claim settlement. Collect the claim information and submit the materials to the insurance company for claim settlement. 5. Loss adjustment. The insurance company will adjust the loss after receiving the complete claim documents, And determine the final amount of compensation. 6、 The financial staff of the compensation insurance company will transfer the compensation to the bank account designated by the owner according to the amount adjusted by the compensation staff. Claim procere 1. Report 1. After the accident, keep the scene of the accident and report to the insurance company immediately; 2. If the third party's loss is road facilities or the third party's loss is vehicles, report to the traffic police department; 2、 On site treatment - 1. The insurance company's personnel arrive at the scene and issue the "investigation report". 2. The traffic police department arrives at the scene and issue the "accident confirmation letter" to remind: generally, if the insurance company requests to report a case to the traffic police when reporting to the insurance company, the insurance company's personnel do not need to go to the scene to deal with it! 3、 Third party repair 1. If the third party is not a motor vehicle, it is better to require the insurance company's personnel to directly reach a loss assessment price recognized by the three parties (the third party, the insurance company, and the owner) ring the on-site treatment. If the loss can not be assessed on the spot, it is better to ask the insurance company's personnel to directly reach a loss assessment price recognized by the three parties (the third party, the insurance company, and the owner), The insurance company is required to give a price warning: if the insurance company allows the third party to promise the amount of claim without permission, the insurance company has the right to overturn the promise. If there is a gap between the re approved price and the requirements of the third party, the difference will be borne by the owner. 2, It should be divided into the following two situations: first, if the third party agrees to go to the repair shop selected by the owner for repair with the owner, then there is no need to pay any cash to the third party on the spot! Second, if a third party requests to go to a repair shop of his own choice for repair, that is to say, the third party will go to a different repair shop with the owner for vehicle repair, then the third party may require the owner to pay part of the repair cost, or deposit or deposit, at the scene of the accident (because he is worried that he will not find the owner afterwards or the owner will not admit it afterwards). Remember: 1, Be sure to make a receipt; 2、 It's more appropriate to pay half of the repair cost (because it may also happen that the third party doesn't recognize the account afterwards). Reminder 1: after the third party's vehicle is repaired, the owner must first pay the repair cost to the third party or the repair shop of his choice, and then get the repair invoice and repair details of the third party before making an insurance claim, If the third party doesn't provide relevant information or can't find the third party afterwards, the insurance company can't pay for the maintenance expenses of the third party. 2. Although it is mentioned above that the third party is required to make a receipt when paying at the scene, although this kind of receipt can't be used as the basis for compensation, this kind of receipt can at least avoid the situation that the third party doesn't acknowledge the account afterwards. Because after the third party repairs, the owner has to pay the repair fee to the third party or the repair shop chosen by the third party. Without this receipt, if the third party doesn't accept the payment, how much should the owner pay after the third party repairs the vehicle? 4、 Vehicle damage repair 1. Send the damaged vehicle to the damage center and inform the insurance company at the same time to determine the damage; 2. Repair the car in the repair shop; 3. The owner picked up the car. 5、 Submit documents for claim settlement: collect claim information and submit it to the insurance company for claim settlement. 6. Loss adjustment. The insurance company will make adjustment after receiving complete claim documents to finally determine the final amount of compensation. 7、 Compensation: the financial personnel of the insurance company will transfer the compensation to the designated account of the owner according to the amount calculated by the claim settlement personnel. Multi party accident multi party accident (casualties) refers to double or multi-party traffic accidents involving casualties. For example 1: pedestrian collision, pedestrian injury, this kind of accident involves casualties, so it is more complex to deal with. Accident handling and insurance claim proceres 1. After reporting the accident, the vehicles of all parties in the accident should stop in place, keep the scene of the accident, and immediately report to the insurance company and the traffic police department; Reminder: if there are casualties, they should be sent to the hospital immediately, unless the accident area is desolate or there is no car passing by, try not to move the accident car. Because if the injured are sent to the hospital by accident vehicle, the responsibility of the accident can not be identified. 2、 The traffic police department shall investigate and collect evidence at the scene, and temporarily detain the accident vehicle, the driver's license and the driving license of the accident vehicle. Under normal circumstances, the accident insurance company investigators handled by the traffic police do not need to go to the scene for investigation. 3、 The traffic police department should make the responsibility judgment according to the situation of the accident and serve the responsibility confirmation letter to all parties concerned; If the parties concerned are not satisfied with the determination of the accident liability, they should file a reconsideration to the traffic police department or a lawsuit to the people's court within 15 days after receiving the letter of determination of the accident liability. 4. Treatment of the injured. 1. The injury diagnosis doctor should check the injured, issue the medical record and diagnosis certificate, and make a decision on whether to be hospitalized. 2. Residents treated the injured. 3. Discharge proceres if the attending doctor thinks that the injured does not need to continue hospitalization, the injured should go through the discharge proceres and issue the discharge certificate, indicating the matters needing attention after discharge, rest time, nursing time and number of nurses. If the attending doctor thinks that the injured person does not need hospitalization, and the injured person refuses to go through the discharge proceres, the compensation obligor shall inform the traffic police department. The compensation obligor may not be responsible for the compensation for the expenses incurred from the date when the attending doctor proves that the injured person can be discharged from the hospital, nor will the insurance company. If the injured person needs to continue treatment after discharge, the doctor will issue the "cost estimation certificate for continuing treatment", and the reasonable expenses can be compensated by the insurance company. 4. Disability assessment after the treatment, the injured can go to the relevant appraisal institutions for disability assessment. If they reach the disability level, they should obtain the certificate of disability level. 5. Medical guarantee and prepaid expenses. When the parties involved in the accident can not afford the medical expenses, they can apply to the insurance company for prepaid medical expenses, With the "medical expense estimation certificate" and the list of paid expenses issued by the doctor, the prepayment of no more than 50% of the required expenses can be obtained. 6. During the treatment of the injured, the medical insurance company will send the medical personnel to the hospital and the traffic police brigade to understand the injury and treatment of the injured, and estimate and supervise the treatment cost. 5、 Vehicle fixed loss repair 1

If the injury is minor and does not constitute disability, the claim can be settled after discharge. If it constitutes a disability, the claim can be settled after the disability level appraisal is made. Some patients still need later treatment. For example, the steel nail can be taken out only one year after fracture surgery, and the later treatment fee can be identified through the appraisal center. After getting the later treatment fee appraisal, the claim can be settled without waiting for a year

we also need to pay special attention to the diagnosis of the injury, so as to avoid the follow-up assessment of disability and compensation e to the doctor's incomplete or even wrong record of the disease. At the same time, if the injured person has paid the medical expenses, he must get the original invoice of medical expenses when he is discharged. If he cannot get the original invoice of medical expenses, he must ask the hospital or the vehicle side to issue a written certificate for the amount of medical expenses paid by the user

extended data:

precautions:

Article 17 of the full text of judicial interpretation of compensation for personal injury: the victim suffered personal injury, the expenses for medical treatment and the income reced e to missed work, including medical expenses, missed work expenses, nursing expenses, transportation expenses, accommodation expenses, hospitalization food subsidies, and necessary nutrition expenses, The person liable for compensation shall make compensation

if the victim is disabled e to injury, the compensation obligors should also compensate for the necessary expenses for increasing living needs and the income loss caused by the loss of working ability, including disability compensation, disability assistive devices, the living expenses of the dependents, as well as the necessary rehabilitation expenses, nursing expenses and follow-up treatment expenses actually incurred e to rehabilitation nursing and continuing treatment

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when you drive the car not far from the scene, it is still measured according to the height and trace of the scene, which will not have any impact. However, it is necessary to report the case within the reporting time stipulated by the insurance company. If the report is late, it is possible to dect part of the exemption. In general, the case will be closed in a week or so. In special cases, it will take a longer time. There are also three or two days to receive the compensation. The basic process of claim settlement includes: report, survey and determine the loss, sign and review the claim documents, adjust and review, approve and close the case. General process: automobile insurance claims process: accident - Report - Investigation - loss determination - price evaluation - loss evaluation - compensation payment: accident. 1. Report: the general insurance company requires to report the case within 48 hours 1) After the accident, the customer reports to the claim Department of the insurance company 2) After receiving the report, the back office requires the customer to fill in the business accident registration form immediately (telephone, fax and other reports shall be filled in by the back office on behalf of the customer) 3) According to the insurance certificate or policy number provided by the customer, the office staff immediately check and the of the insurance policy, the of the insurance policy and the attached table. Check the situation of premium charge, and the financial staff shall confirm the signature on the of premium receipt (business and statistics sheet) (special payment shall be attached with agreement or agreement) 4) Confirm that the subject matter of the insurance is paid within the validity period of the insurance or before the accident, require the customer to fill in the inquiry form of accident filing, put the case on file (such as telephone, fax, etc., the inspection personnel shall be responsible for asking the customer to fill in), and write the filing number according to the order of reporting 5) Issue claim documents. After the case is filed, relevant claim documents shall be issued to the insured, and the claim proceres and methods shall be informed (the inspection personnel shall be responsible for reporting the case by telephone, fax, etc.) 6) Inform the inspector to report the loss and the place of accident. The above work will be completed within half a working day[ 3] 2. Survey and loss determination (1) the inspectors shall complete the on-site survey and inspection within 1 working day after receiving the notice from the internal service of the insurance company (for the inspection of the damaged object in other places, the local insurance company can be entrusted to complete it within 3 working days) 2) Require customers to provide relevant documents 3) 3. Sign in and check the claim documents. (1) the in-house staff of the business department and each insurance branch shall check the claim documents submitted by the customer, and return the incomplete documents to the customer after explaining to the customer that they need to be supplemented. For the claims with complete documents, the yellow shall be returned to the insured after signing on the "accident report (claim) in plicate." 2) After sorting out the claim documents and the information kept, they shall be submitted to the claim section of the property insurance department. 4. Adjustment and review (1) after receiving the information from the internal staff, the operator of the claim verification department will check and sign on the handover book if the documents are complete 2) All claims must be settled within 3 working days and submitted to the person in charge of the claims section for review. 5. Examination and approval (1) the claims within the authority of the property insurance department shall be submitted to the manager of the main management department for examination and approval 2) Report the authority of overproction insurance department level by level. 6. Settlement of claims 1) The person in charge of the claim verification Division will number the claim that has completed the approval proceres, and submit the claim receipt and calculation sheet to the financial department for transfer 2) After the compensation is confirmed by the financial department, except for the accompanying receipt and the red sheet of the calculation sheet, the rest will be taken back. Off site claim 1: report to the police. The policyholder can report the case through the hotline service of the insurance company, which is a necessary process for handling the claim settlement of remote vehicle insurance. It is related to whether the owner can enjoy the claim settlement service. The time of reporting the case will also directly affect the speed of the claim settlement time. 2： Survey and loss determination. The key to claim settlement is to check and determine the loss by the staff of the nearest insurance company. 3： Check price and loss. 4： The applicant will submit the claim data to the insurance company network, and the staff will upload the data to the auto insurance claim management system. 5： The claim settlement personnel begin to review, adjust and check the claim after receiving the materials. 6： The policy holder can get the compensation from the nearest branch or get the compensation through transfer. The compensation procere of unilateral accident refers to the unilateral traffic accident that does not involve personal injury (death) or the third party's property loss. For example, collision with external objects, damage to his own vehicle, But there is no damage to the external object or no need to pay compensation) accident handling and insurance claim proceres unilateral accident is the most common type of accident, because it does not involve the third party's damage compensation, only cause damage to the insured vehicle, the accident liability for the insured vehicle is fully responsible, so the accident handling is very simple. 1、 After reporting the accident, keep the scene of the accident and report it to the insurance company immediately. 2. On site treatment. 1. If the loss is small (less than 10000 yuan), the insurance company will send someone to the scene to investigate and issue the investigation report. 2. If the loss is large (more than 10000 yuan), the investigator will report the case to the traffic police department, who will investigate and collect evidence on the scene, And issue the "accident confirmation letter" 3. Fix the loss 1. The owner delivers the vehicle to the damage center and informs the insurance company at the same time. Fix the loss 2. Repair the car in the repair shop 3. The owner takes the car 4. Submit the documents for claim settlement. Collect the claim information and submit the materials to the insurance company for claim settlement. 5. Loss adjustment. The insurance company will adjust the loss after receiving the complete claim documents, And determine the final amount of compensation. 6、 The financial staff of the compensation insurance company will transfer the compensation to the bank account designated by the owner according to the amount adjusted by the compensation staff. Claim procere 1. Report 1. After the accident, keep the scene of the accident and report to the insurance company immediately; 2. If the third party's loss is road facilities or the third party's loss is vehicles, report to the traffic police department; 2、 On site treatment - 1. The insurance company's personnel arrive at the scene and issue the "investigation report". 2. The traffic police department arrives at the scene and issue the "accident confirmation letter" to remind: generally, if the insurance company requests to report a case to the traffic police when reporting to the insurance company, the insurance company's personnel do not need to go to the scene to deal with it! 3、 Third party repair 1. If the third party is not a motor vehicle, it is better to require the insurance company's personnel to directly reach a loss assessment price recognized by the three parties (the third party, the insurance company, and the owner) ring the on-site treatment. If the loss can not be assessed on the spot, it is better to ask the insurance company's personnel to directly reach a loss assessment price recognized by the three parties (the third party, the insurance company, and the owner), The insurance company is required to give a price warning: if the insurance company allows the third party to promise the amount of claim without permission, the insurance company has the right to overturn the promise. If there is a gap between the re approved price and the requirements of the third party, the difference will be borne by the owner. 2, It should be divided into the following two situations: first, if the third party agrees to go to the repair shop selected by the owner for repair with the owner, then there is no need to pay any cash to the third party on the spot! Second, if a third party requests to go to a repair shop of his own choice for repair, that is to say, the third party will go to a different repair shop with the owner for vehicle repair, then the third party may require the owner to pay part of the repair cost, or deposit or deposit, at the scene of the accident (because he is worried that he will not find the owner afterwards or the owner will not admit it afterwards). Remember: 1, Be sure to make a receipt; 2、 It's more appropriate to pay half of the repair cost (because it may also happen that the third party doesn't recognize the account afterwards). Reminder 1: after the third party's vehicle is repaired, the owner must first pay the repair cost to the third party or the repair shop of his choice, and then get the repair invoice and repair details of the third party before making an insurance claim, If the third party doesn't provide relevant information or can't find the third party afterwards, the insurance company can't pay for the maintenance expenses of the third party. 2. Although it is mentioned above that the third party is required to make a receipt when paying at the scene, although this kind of receipt can't be used as the basis for compensation, this kind of receipt can at least avoid the situation that the third party doesn't acknowledge the account afterwards. Because after the third party repairs, the owner has to pay the repair fee to the third party or the repair shop chosen by the third party. Without this receipt, if the third party doesn't accept the payment, how much should the owner pay after the third party repairs the vehicle? 4、 Vehicle damage repair 1. Send the damaged vehicle to the damage center and inform the insurance company at the same time to determine the damage; 2. Repair the car in the repair shop; 3. The owner picked up the car. 5、 Submit documents for claim settlement: collect claim information and submit it to the insurance company for claim settlement. 6. Loss adjustment. The insurance company will make adjustment after receiving complete claim documents to finally determine the final amount of compensation. 7、 Compensation: the financial personnel of the insurance company will transfer the compensation to the designated account of the owner according to the amount calculated by the claim settlement personnel. Multi party accident multi party accident (casualties) refers to double or multi-party traffic accidents involving casualties. For example 1: pedestrian collision, pedestrian injury, this kind of accident involves casualties, so it is more complex to deal with. Accident handling and insurance claim proceres 1. After reporting the accident, the vehicles of all parties in the accident should stop in place, keep the scene of the accident, and immediately report to the insurance company and the traffic police department; Reminder: if there are casualties, they should be sent to the hospital immediately, unless the accident area is desolate or there is no car passing by, try not to move the accident car. Because if the injured are sent to the hospital by accident vehicle, the responsibility of the accident can not be identified. 2、 The traffic police department shall investigate and collect evidence at the scene, and temporarily detain the accident vehicle, the driver's license and the driving license of the accident vehicle. Under normal circumstances, the accident insurance company investigators handled by the traffic police do not need to go to the scene for investigation. 3、 The traffic police department should make the responsibility judgment according to the situation of the accident and serve the responsibility confirmation letter to all parties concerned; If the parties concerned are not satisfied with the determination of the accident liability, they should file a reconsideration to the traffic police department or a lawsuit to the people's court within 15 days after receiving the letter of determination of the accident liability. 4. Treatment of the injured. 1. The injury diagnosis doctor should check the injured, issue the medical record and diagnosis certificate, and make a decision on whether to be hospitalized. 2. Residents treated the injured. 3. Discharge proceres if the attending doctor thinks that the injured does not need to continue hospitalization, the injured should go through the discharge proceres and issue the discharge certificate, indicating the matters needing attention after discharge, rest time, nursing time and number of nurses. If the attending doctor thinks that the injured person does not need hospitalization, and the injured person refuses to go through the discharge proceres, the compensation obligor shall inform the traffic police department. The compensation obligor may not be responsible for the compensation for the expenses incurred from the date when the attending doctor proves that the injured person can be discharged from the hospital, nor will the insurance company. If the injured person needs to continue treatment after discharge, the doctor will issue the "cost estimation certificate for continuing treatment", and the reasonable expenses can be compensated by the insurance company. 4. Disability assessment after the treatment, the injured can go to the relevant appraisal institutions for disability assessment. If they reach the disability level, they should obtain the certificate of disability level. 5. Medical guarantee and prepaid expenses. When the parties involved in the accident can not afford the medical expenses, they can apply to the insurance company for prepaid medical expenses, With the "medical expense estimation certificate" and the list of paid expenses issued by the doctor, the prepayment of no more than 50% of the required expenses can be obtained. 6. During the treatment of the injured, the medical insurance company will send the medical personnel to the hospital and the traffic police brigade to learn about the injury and treatment of the injured, so as to provide reference for the treatment of the injured

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reader anonymous: my friend Miss Zhang ran into an old lady at an intersection. After the accident, she called the police and sent her to the hospital before the police arrived. At the same time, she called her colleagues and asked them to come to help deal with the accident and drive the car back. As a result, they didn't understand what Miss Zhang meant and drove the car back when they arrived at the scene of the accident. The next day, when Miss Zhang reported to the insurance company about the claim of the third party liability insurance, the insurance company said that she would not pay compensation. Excuse me: how can miss Zhang get compensation from the insurance company? Lawyer Wang's reply: if Miss Zhang's car has a traffic accident in the process of using, which causes the third party to be injured, the insurance company shall bear the civil liability for compensation to the third party in accordance with the "measures for handling road traffic accidents" and the provisions of the insurance contract. However, the insurance company has the right to refuse compensation for the accident and escape of the insured vehicle according to the motor vehicle insurance terms. Although Miss Zhang left the scene of the accident, she did not deliberately escape. However, after the incident, she should go to the public security department immediately to report the incident, explain the course of the accident and ask for handling. In addition, Miss Zhang needs to bring the vehicle insurance policy and driver's license to the insurance company to report the accident in writing, fill in the report registration form, and get the certificate and notice of accident. Because her car was moved away from the scene before the traffic police arrived, when the police determine the responsibility for the accident, they will determine that she is fully responsible, that is, she will bear 100% of the losses that meet the requirements, and she will bear all the medical expenses of the injured and the repair expenses of the car, and then she can settle the claim to the insurance company according to the vehicle insurance contract. According to the provisions of the motor vehicle insurance terms, the dectible rate of the insurance company is 20% when it is fully responsible. Therefore, your friend can not get full compensation. The specific compensation formula is: the amount of compensation of the insurance company = the amount of compensation that should be paid x (1-dectible rate). Your friend can wait for insurance company to handle insurance claim by accident notice, accident certificate, vehicle repair order, vehicle repair invoice, diagnosis certificate of the injured, receipt of rescue and treatment and other expenses, traffic accident confirmation letter, mediation letter of traffic accident damage compensation and salary certificate of the injured. Wang Bulin, lawyer of Guangzhou Jinpeng law firm

nursing fee refers to the cost that the victim's ability of action and self-care has decreased to a certain extent e to health and other reasons after the road accident, and needs to be accompanied and nursed by his family or other relatives, and compensated by the person responsible for the accident according to certain standards. If you really need nursing after discharge, you can still calculate the nursing fee. The nursing period and the degree of nursing dependence can only be determined by the forensic appraisal institution. The period of nursing care should be calculated until the client recovers the ability of self-care. If the patient cannot take care of himself completely after discharge and still needs to continue nursing, the medical institution must issue a medical order certificate or diagnosis certificate to determine the nursing time and number of nurses. For those who still need nursing dependence after more than 3 months, they should apply to the appraisal institution to determine whether the client needs nursing. If the person concerned is unable to recover the ability of self-care e to disability, a reasonable nursing period may be determined according to his age, health status and other factors, but the longest period shall not exceed 20 years. The nursing level should be determined according to the degree of nursing dependence and the preparation of assistive devices for the disabled. Legal basis: Interpretation of the Supreme People's Court on Several Issues concerning the application of law in the trial of cases of compensation for personal injury Article 21 nursing expenses shall be determined according to the income of nursing staff, the number of nursing staff and the period of nursing. If the nursing staff have income, it shall be calculated according to the provisions of delay fee; If nursing staff have no income or employ nursing workers, it shall be calculated according to the labor remuneration standard of local nursing workers engaged in the same level of nursing. In principle, the number of nursing staff is one, but if the medical institution or appraisal institution has a clear opinion, the number of nursing staff can be determined by reference. The period of care should be calculated until the victim recovers the ability of self-care. If the victim is unable to recover the ability of self-care e to disability, a reasonable period of care may be determined according to his age, health status and other factors, but the longest period shall not exceed 20 years. The level of care should be determined according to the degree of nursing dependence and the preparation of assistive devices for the disabled