Report to the claims center
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
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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
accident number to the claim center to issue the accident confirmation letter, then drive the car to the 4S store and inform the insurance company to fix the loss
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
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
Insurance editor to help you answer, more questions can be answered online
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
2. Use fast water
a single vehicle accident should be reported to the insurance company within 48 hours. I'll ask your policy number and license number. Some insurance company personnel will rush to the scene to check and take photos in person, some will let you go to the repair shop the next day and tell him the name and address of the repair shop, and he will deal with it the next day (if the repair shop you contacted is not approved by him, he will let you go to the designated repair shop or 4S shop)
you should say hello to the repair shop in advance, saying that you don't care about anything. The repair shop will come forward and talk to the insurance company. You just drive away after the car is repaired. If you say that, you don't have to pay in advance. The repair shop will take care of the rest. It's hard to earn money. You're a novice, and you don't understand it any more
reporting a case to the police is the key. You should pay attention to that it's not just a simple appearance. The marks on your car mean the damage location and degree of the hit object, the force and reaction force - you know!
Whether it is necessary to give an alarm or not depends on the actual situation. If it is a minor scratch, and it is a unilateral accident, if you are fully responsible, you can only report it to the insurance company. If the situation is complicated, you need to call the police. Usually, car accidents are mainly divided into traffic accidents caused by casualties and vehicle losses and vehicle theft and other aspects
for compulsory traffic insurance, when reporting a case to the local traffic police department, the responsibility of the accident should be identified and adjusted with the assistance of the traffic police
it should be noted that if there is a dispute after the accident, the insurance company can not settle the claim. Because if there is a dispute, it is impossible to identify whether the insured car owner is responsible or not. After negotiation and reconciliation, let the insurance company identify the accident, so that the efficiency of accident handling will be much faster
extended information
claims skills
If a car wants to get claims, it is necessary to keep the invoice well. The price approved by the loss assessor of the insurance company can basically pay for your maintenance expenses. No matter where you go to repair, there will be invoices in the maintenance plants above class II, which are used as reimbursement by the insurance company. In addition, we should prepare complete claim information and pay attention to the claim period. If we do not apply for a claim within three months, the insurance company will think that the owner will give up the claim automatically
precautions
(1) don't be private in the event of an accident
like to be private after a traffic accident, that is to say, I'm afraid of trouble. I think it's a waste of time to settle a claim. I prefer to waste this time arguing with the other car owner. As a result, the time for settling the claim is delayed, and compensation is often not available at both ends, so the bitter water can only be swallowed. Therefore, when there is a traffic accident, it's better not to be private, let alone swallow one's anger
(2) small loss claims are not worth
even a little scratch has to go to the insurance company to claim. This not only wastes time, but also increases the claim rate, because the insurance company has a certain discount according to the accident rate of car owners every year. Let's take the Pacific Insurance Company as an example. The Pacific Insurance company stipulates that after the insured vehicle has been out of danger for three times, the insurance company will increase the dectible by 5% on the basis of the dectible stipulated in the clause for each additional accident from the fourth accident, and the maximum increase of the dectible within one year will be 15%. From this point of view, it is not worth paying for that small loss. Therefore, it is suggested that car owners do not need to waste energy when they have a small loss