When the accident happens, go to the rapid processing center

1.

As long as there is no dispute on the determination of the accident liability between the two parties, for example, if one party obviously recognizes full responsibility for rear end collision, it is possible to move the car

aside without calling the police and sign a quick processing agreement directly, so as to deal with and compensate quickly

minor road traffic accidents refer to the traffic accidents between motor vehicles that do not involve casualties but only cause minor property losses. Slight property loss refers to the slight road traffic accident that causes the loss of single vehicle with compulsory traffic insurance less than 2000 yuan and commercial insurance less than 10000 yuan, and the vehicle can move by itself

one party of the traffic accident is unwilling to deal with the case, and the delay does not affect the handling of the case. The traffic management department of the public security organ shall make the confirmation letter of road traffic accident within 10 days from the date of on-site investigation. In the event of a fatal accident, the traffic management department of the public security organ should summon all parties to the scene, conct public investigation and obtain evidence before making the confirmation letter of road traffic accident. If the party concerned is not present, the traffic management department of the public security organ shall make a record

if the other party does not cooperate in handling the traffic accident, you can find the traffic police who is responsible for the traffic accident to handle it. First, you can issue a traffic accident confirmation letter, mail it to the party who caused the accident, and then go to the court to sue. After winning the lawsuit, you can apply to the court for enforcement. If negotiation is possible, if negotiation fails, a civil action shall be brought in time within the limitation of action (one year)

2.

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

3.

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

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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

4.

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

5.

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

6. sure. Traffic accidents that do not involve casualties, property losses of motor vehicles of all parties are less than 2000 yuan, and motor vehicles of all parties are insured with compulsory traffic insurance in the city are allowed to be handled through negotiation by themselves. According to the relevant person of the municipal traffic and patrol police detachment, in case of a road traffic accident that meets the conditions of self negotiation, the parties concerned shall, after checking the verification documents and insurance certificates with each other, evacuate from the accident scene quickly, fill in the agreement or written record materials and relevant evidence at the accident scene, and go to the "processing center" to handle the claim proceres within 24 hours. If the parties have any objection to the fact or responsibility of the traffic accident, they shall immediately report to the police, and the traffic police on ty shall arrive at the scene to deal with the matter quickly according to the summary procere, and then the parties shall jointly agree to go to the "processing center" to handle the claim proceres at the same time. If the parties have any objection to the verification of the property loss of the insurance company, and no agreement has been reached through consultation, they may apply to the "processing center" for the assessment agency to assess the loss. Thank you for reading!

7. You can go, but you can only go for the record at night. You have to wait for the day when you really deal with things, because only the staff on ty are in at night, so you don't have to wait by yourself

8.

The function of the service center for quick settlement of traffic accident claims: on-site handling, responsibility identification and punishment of violation

if the insurance company refuses to pay e to suspected drunk driving, drug driving, unlicensed driving, escape and other reasons, it can go to the traffic accident insurance claim center to settle the claim, but the premise is that it needs to take photos to save the evidence of the accident, or it needs to report to the police after the accident, and the traffic police department will issue the accident liability confirmation letter

the traffic management department of the public security organ should cooperate with the "insurance rapid claims Joint Service Center" to handle the cases with traffic accident liability disputes

extended information:

Article 23 of the insurance law of the people's Republic of China: after receiving the claim for compensation or payment of insurance benefits from the insured or the beneficiary, the insurer shall make timely verification; If the circumstances are complicated, the approval shall be made within 30 days, unless otherwise agreed in the contract

the access service station of the traffic accident quick handling and quick claim service center is an organic combination of mobile Internet technology, traffic management and insurance services, which is committed to solving the problems of untimely handling of road traffic accidents, long claim settlement cycle and great difficulty, protecting the legitimate rights and interests of the people, allowing citizens to run less errands and more data, Realize the "one-stop" service of the whole process of road traffic accident treatment

9. Insurance companies will settle their claims only if they have evidence to prove that they have paid in advance. However, some project insurance companies may not recognize them. Under the following circumstances, the insurance company is not responsible for the compensation amount that should be borne by the insured himself:
1
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3. The insured chooses to handle the traffic accident through self negotiation according to relevant laws and regulations, but cannot prove the cause of the accident
4. The number of designated drivers in insurance increases when non designated drivers use the insured motor vehicle
5. The number of insured accidents is increased when the driving area is agreed upon ring insurance, and the insured accidents occur outside the agreed driving area
6. Increase e to multiple insurance claims ring the insurance period
finally, in the event of a car accident, the insurance claim settlement process is as follows:
1. After a traffic accident occurs, the driver shall immediately report to the traffic accident handling organ and the insurance company that underwrites the vehicle
2. After receiving the report, the insurance company quickly dispatched its claim settlement personnel to investigate the accident. For damaged vehicles and property, the amount of loss shall be determined according to regulations
3. Rescue treatment. If someone is injured, call 120 and send to the hospital for treatment
4. After the amount of property loss is determined, after the injured person is cured and discharged from the hospital, or after the traffic police department investigates the relevant situation of the dead person in the accident, the traffic police department shall mediate between the two parties in accordance with laws and regulations, and the responsible party shall fulfill the obligation of compensation respectively before closing the case
5. Submit a claim. After the mediation, the insured shall submit the accident claim materials to the insurance company in time.

10. The alarm doesn't need to be cancelled. It doesn't matter

however, if you have called the insurance company to report the insurance, you need to call to eliminate the record, otherwise it may affect the next year's insurance benefits. Although there is no actual claim, there is an accident record in their record. If you don't eliminate it, there will be trouble in the future, and you need to spend more time The insurance company's regulations are different. Some insurance companies will not affect their claims if they don't settle them. Some insurance companies can't. It's suggested that they call to cancel the insurance report.)

I suffered this loss in Pacific motor insurance. After the accident, I called the insurance company to report the insurance. Later, I chatted privately, but I didn't cancel the insurance report record. The next year, I bought 100% insurance for me (originally 85%). The insurance company asked me to explain the situation in writing. I was too troublesome, so I changed the insurance company directly.