Loss of vehicle insurance:
(A) the result of the loss of vehicle insurance, insurers will have to pay compensation:
1. Collision, overturning;
2. Fires, explosions;
3. Objects in the outside world collapsed, falling objects run in the air, moving parallel to the fall;
4. Struck by lightning, storms, tornadoes, floods, tsunamis, subsidence, settlement ice, collapsing cliffs, avalanche, hail, mud-rock flows, landslides;
5. To carry insurance of the vehicle ferry to natural disasters (drivers are limited to providing care).
(B) the occurrence of the accident insurance, the insured on the insurance rescue vehicles, protective measures, the expenses reasonable costs, insurers have to pay compensation. However, the cost of the maximum amount in order to limit the amount of insurance.
Third party liability insurance:
Insurers have been allowed to drive qualified personnel in the use of vehicle insurance in the process of accidents, resulting in a third party suffered personal injuries or property damage directly, should be in accordance with the law by the insured to pay the compensation paid to the insurer in accordance with the provisions of insurance contracts to give Compensation. However, arising from the aftermath of the accident by the insured to deal with.
Nov 6, 2008
Nov 2, 2008
Automobile insurance claims process
First, the basic insurance claims process
The first thing to do after the accident occurred is reported in a timely manner. In addition to a traffic report to the traffic management department, but also insurance companies to report in a timely manner. On the one hand, so that insurance policy holders aware of a traffic accident, on the other hand, can also be consulting on how to deal with insurance companies, on-site protection, insurance companies Ju You will be taught how to ask each other to prove the accident, and so on. Owner claims in the basic processes: (1) to produce insurance documents. (2) to produce driving permit. (3) to produce a driver's license. (4) the insured to produce identity cards. (5) to produce insurance. (6) Chuxian fill out a report form. (7) to fill in details after Chuxian. (8) to fill in a detailed report, drivers and telephone links. (9) Check the appearance of the vehicle, the camera will be damaged. (10) members claim to lead the appearance of the vehicle owners to carry out inspections. (11) According to the report content owners to fill in the photographs of nuclear damage. (12) claims to remind the members on whether the vehicle owner valuables. (13) to deliver maintenance repair stations. (14) claims member task orders issued to determine maintenance and repair time. (15) the owner signed accreditation. (16) vehicle owners will pay in maintenance repair stations.
These are the owners and insurance claims must be done. Facts speak louder than eloquence, the owner must pay attention to doing the preliminary work to avoid trouble after the claims when passive.
This was followed in a timely manner to communicate with insurance companies. The main car insurance companies to actively assist in the completion of the survey vehicle, and the camera will be necessary, such as loss of work. Closed to the traffic control department before the accident to understand how its due responsibility, loss and the number of injured, and other compensation costs, insurance companies and then asked what the situation which can not be able to pay compensation to minimize the loss. At the same time, car owners looking for relief, as well as companies look for a trailer vehicle repair shop, the price on the issue of timely communication with insurance companies to avoid corporate rescue or repair shop and insurance companies offer compensation for the price of a similar amount. The loss will be found without the loss of vehicles, the insurance company should notify in a timely manner, the second survey conducted by the insurance companies will be hurt, the extra amount of the loss would not have to pay the owners of their own. Accident insurance because of damage caused by a third party or damage to property, it should be possible to repair. Repair before the insured with insurance companies to be examined to determine repair, repair methods and repair costs. If the customer self-repair, insurance companies would refuse to even re-approved compensation. After the repair of vehicles, repair costs and pay for get to the car must be repaired before the quality inspection.
Finally, to remind the owners in case of accidents should not happen after the two extremes: (1) in the event of accidents like the post-Sile, which means trouble, and claims to feel is a waste of time, they prefer to waste time and the other owners dispute On. As a result of the delayed settlement of claims, often get no compensation at both ends, only to the grievances of the pharynx, stomach. Therefore, when the accident occurred, it is best not to Sile, but can not submit to humiliation. (2) even if a bit small scratch all claims to insurance companies. This is a waste of time, increased their odds of the rationale, because insurance companies every year according to the owner of the Chuxian discount rate to a certain extent.
Second, automobile insurance claims when the basic common sense
(1) report: phone to make a report, on-line report to the insurance companies report claims, as well as members to convey a report.
(2) insurance after the accident should be notified within 24 hours or police vice squad, 48 hours notice of insurance companies.
(3) claims cycle: from the insured vehicle repair or Accident insurance to deal with closing date, 3 months, does not apply to insurance claims made, or from insurance companies to inform the insured to receive insurance payments from the date of 1 year does not To draw their compensation, that is, as a waiver of rights and interests. Vehicle wall, level, cement injection, and other trees and no other compensation to the accident, they can not report to the traffic police and other departments in a timely manner directly to the insurance companies will be able to report. In the waiting near the scene of the accident insurance company survey bearer, starting or insurance companies to report vehicle.
The first thing to do after the accident occurred is reported in a timely manner. In addition to a traffic report to the traffic management department, but also insurance companies to report in a timely manner. On the one hand, so that insurance policy holders aware of a traffic accident, on the other hand, can also be consulting on how to deal with insurance companies, on-site protection, insurance companies Ju You will be taught how to ask each other to prove the accident, and so on. Owner claims in the basic processes: (1) to produce insurance documents. (2) to produce driving permit. (3) to produce a driver's license. (4) the insured to produce identity cards. (5) to produce insurance. (6) Chuxian fill out a report form. (7) to fill in details after Chuxian. (8) to fill in a detailed report, drivers and telephone links. (9) Check the appearance of the vehicle, the camera will be damaged. (10) members claim to lead the appearance of the vehicle owners to carry out inspections. (11) According to the report content owners to fill in the photographs of nuclear damage. (12) claims to remind the members on whether the vehicle owner valuables. (13) to deliver maintenance repair stations. (14) claims member task orders issued to determine maintenance and repair time. (15) the owner signed accreditation. (16) vehicle owners will pay in maintenance repair stations.
These are the owners and insurance claims must be done. Facts speak louder than eloquence, the owner must pay attention to doing the preliminary work to avoid trouble after the claims when passive.
This was followed in a timely manner to communicate with insurance companies. The main car insurance companies to actively assist in the completion of the survey vehicle, and the camera will be necessary, such as loss of work. Closed to the traffic control department before the accident to understand how its due responsibility, loss and the number of injured, and other compensation costs, insurance companies and then asked what the situation which can not be able to pay compensation to minimize the loss. At the same time, car owners looking for relief, as well as companies look for a trailer vehicle repair shop, the price on the issue of timely communication with insurance companies to avoid corporate rescue or repair shop and insurance companies offer compensation for the price of a similar amount. The loss will be found without the loss of vehicles, the insurance company should notify in a timely manner, the second survey conducted by the insurance companies will be hurt, the extra amount of the loss would not have to pay the owners of their own. Accident insurance because of damage caused by a third party or damage to property, it should be possible to repair. Repair before the insured with insurance companies to be examined to determine repair, repair methods and repair costs. If the customer self-repair, insurance companies would refuse to even re-approved compensation. After the repair of vehicles, repair costs and pay for get to the car must be repaired before the quality inspection.
Finally, to remind the owners in case of accidents should not happen after the two extremes: (1) in the event of accidents like the post-Sile, which means trouble, and claims to feel is a waste of time, they prefer to waste time and the other owners dispute On. As a result of the delayed settlement of claims, often get no compensation at both ends, only to the grievances of the pharynx, stomach. Therefore, when the accident occurred, it is best not to Sile, but can not submit to humiliation. (2) even if a bit small scratch all claims to insurance companies. This is a waste of time, increased their odds of the rationale, because insurance companies every year according to the owner of the Chuxian discount rate to a certain extent.
Second, automobile insurance claims when the basic common sense
(1) report: phone to make a report, on-line report to the insurance companies report claims, as well as members to convey a report.
(2) insurance after the accident should be notified within 24 hours or police vice squad, 48 hours notice of insurance companies.
(3) claims cycle: from the insured vehicle repair or Accident insurance to deal with closing date, 3 months, does not apply to insurance claims made, or from insurance companies to inform the insured to receive insurance payments from the date of 1 year does not To draw their compensation, that is, as a waiver of rights and interests. Vehicle wall, level, cement injection, and other trees and no other compensation to the accident, they can not report to the traffic police and other departments in a timely manner directly to the insurance companies will be able to report. In the waiting near the scene of the accident insurance company survey bearer, starting or insurance companies to report vehicle.
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