How to go to claim Center
Insurance editor to help you answer, more questions can be answered online
no matter how the car touches people, you are responsible. As for the claim settlement, the traffic police department will tell you and tell you the information you need! If you are responsible, the claim settlement process is simpler, and the process of your primary or secondary responsibility is more complicated (mainly the insurance company). Don't be in a hurry. Both sides of the accident should mediate well and have a good grasp of their own favorable evidence
Traffic accidents can be seen everywhere in our lives. Both the responsible person and the victim will cause more or less personal and property losses. It can be said that there is no winner. Then, as a victim, how should the compensation be calculated? I will take you to know more about it
the calculation method of compensation for being hit by a car is as follows:
1. Medical expenses are determined according to the medical expenses, hospitalization expenses and other collection vouchers issued by medical institutions, combined with medical records, diagnosis certificate and other relevant evidence 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 if the victim dies, the compensation obligor shall not only compensate the relevant expenses specified in the first paragraph of this article according to the rescue and treatment situation, but also compensate the funeral expenses, the living expenses of the dependents, the death compensation, and other reasonable expenses such as transportation expenses, accommodation expenses and work delay losses incurred by the victim's relatives for funeral matters the above knowledge is Xiaobian's "how to compensate for being hit by a car?" If you have any legal questions to consult, you can pay attention to non litigation and private letter consultation no litigation, let the law serve everyone better
(1) he / she is injured by an accident e to work ring working hours and in the workplace
(2) being injured by an accident while engaged in preparatory or finishing work related to work in the workplace before and after working hours< (3) being injured by violence or other accidents ring working hours or in the workplace e to the performance of work ties< (4) suffering from occupational diseases
(5) being injured e to work or having an accident while going out for work, and the person's whereabouts are unknown
(6) being injured in a traffic accident or an urban rail transit, passenger ferry or train accident that is not my main responsibility on the way to and from work< (7) other circumstances that should be recognized as instrial injury according to laws and administrative regulations< Article 15 an employee who has one of the following circumstances shall be regarded as an instrial injury:
(1) died of sudden illness ring working hours or post, or died of invalid rescue within 48 hours
(2) those who are injured in the activities of safeguarding national interests and public interests such as emergency rescue and disaster relief
(3) an employee who had previously served in the army and was disabled e to war or ty, has obtained a revolutionary disabled soldier certificate, and relapses after arriving at the employing unit
employees who have the situations mentioned in items (1) and (2) of the preceding paragraph shall enjoy instrial injury insurance benefits in accordance with the relevant provisions of these regulations; If an employee has the situation mentioned in Item (3) of the preceding paragraph, he shall enjoy the instrial injury insurance benefits other than the one-time disability allowance in accordance with the relevant provisions of these regulations< Article 16 an employee who complies with the provisions of articles 14 and 15 of the regulations shall not be deemed as an instrial injury or deemed as an instrial injury under any of the following circumstances:
(1) intentional crime< (2) being drunk or taking drugs< (3) self mutilation or suicide.
Insurance editor to help you answer, more questions can be answered online
it's very simple. One way is to find a site near your residential area that is similar to your damaged part, such as a flower stand, a garage column, or a fence, and then put the car there, put it on the site, report to the insurance company, and say that it will hit the wall or flower stand or column, but the premise is like this
the second way is to find a repair shop that you are familiar with and ask him to help you deal with the accident. They are generally familiar with the claim adjuster of the insurance company, but they must find a repair shop or repair station that you are familiar with
the last way is to report to the insurance company that your car was hit by another car in the residential area and the person who hit you ran away if you are in trouble or can't get the first two. In this way, the insurance company will compensate you for the three hit and run accidents and accompany you by 70%
first of all, your insurance company will tell you to go to the insurance company or himself or the traffic police to deal with it if you know that the other party is fully responsible for the accident
1. If there is an insurance company, the insurance company of the other party will bear the loss of this accident, which has nothing to do with your insurance company, so you don't have to worry about the increase of insurance expenses in the next year. The other party's Insurance Company will send someone to the scene to take photos of you and his car, and then determine your loss. The next thing is to follow the insurance company's proceres. Generally, his insurance company will let you repair the car, and then issue a repair invoice, and settle the claim according to the amount of the invoice. The first thing is to follow the parts loss and repair fee recognized by the insurance company and you
now you mainly pay attention to the following aspects: (1) if the other party has three risks, everything is easy to say 2) If the other party only has compulsory insurance, the loss of your car is more than 2000 yuan. The insurance company doesn't care about the extra loss. You need to negotiate with the other party. Anyway, he wants to pay. Of course, if you don't mind, you can fake the scene and let your insurance company settle the claim (unless you are familiar with your claim adjuster, there will be moral hazard) 3) In the process of repair, if you find other losses, you should inform the insurance company's loss assessor through the owner of the other party in time to investigate and add the lost parts, so as to minimize your losses
2. If you don't have the insurance of the other party, you can entrust the price Certification Center of the local price bureau by the traffic police to make the vehicle loss price appraisal. The traffic police will ask the full responsible party for the loss cost of the accident according to the appraisal report issued by the price bureau. However, this method is troublesome. After all, it takes a long time to go through the procere. If it is successful, it will take about a week, but it is guaranteed, If the other owner does not approve, you can take the price bureau's loss report directly to the court to sue him. The simple way is for you to negotiate and ask him to find a repair shop to guarantee the repair, and then directly give you cash to save time and effort.
1. Because I am fully responsible, should the insurance company bear all the repair costs of the other party and my own car? No matter how much the repair fee is? Or do I have to bear part of the insurance company's total liability within a certain limit
2. Will the premium increase significantly next year? What if I change my insurance company next year? Will this year's accident records be known by the insurance company I change next year
after the full liability is determined, the insurance company needs to determine the loss, and then compensate according to the amount of loss. General compensation is in the scope of compulsory traffic insurance, all by the insurance company. According to the contract,
1. If the third party you buy is not dectible, as long as it does not exceed the amount of the third party you buy, then it will all be borne by the insurance, but if not, even if it does not exceed the amount, because you are fully responsible, you will have to bear part of it
2. The insurance premium will not rise, but there will be no discount, even if it is changed. All records are available and all insurance companies can find them
3. Full responsibility means that the traffic accident is caused by one party's violation of regulations, and it should be responsible for the accident, while the other party is not responsible for the accident. After a traffic accident, the party who is fully responsible for the accident shall compensate the other party< First, after the traffic accident, the insurance reimbursement process:
1. After the accident, report to the police within 48 hours. If there are casualties, call 120 immediately to save lives
2. After reporting a case, the car owner must protect the scene of the accident. The insurance company will send someone to the scene to check whether it is within the scope of the insurance company
3. In general, if the vehicle is not seriously damaged, the surveyors of the insurance company can directly determine the damage on site, and the customers can also drive the vehicle to the repair shop directly. However, if the degree of damage to the vehicle is relatively large, it is necessary to go to the loss assessment center for loss assessment< 4. Submit claim information. According to the insurance contract: the insured should submit the necessary accident documents to the insurance company within 10 days after the public security traffic management department has settled the case
5. After submitting the information, the insurance company will settle the claim at its request<
extended data:
automobile claim: Automobile claim refers to the claim made by the owner of an automobile to an insurance company after a traffic accident. The basic process of claim settlement includes: report, survey and loss determination, sign and review claim documents, adjustment and review, approval, claim settlement and so on
(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)
(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., which shall be filled in by the inspection personnel), and write the filing number according to the order of reporting.