Auto insurance claims process mainly includes:

1. Report the accident

Please call the insurance company to report an insurance accident. The staff of the insurance company will arrange corresponding personnel to go to the scene of the accident to survey and determine the damage for you, tell you the documents needed for claim settlement, and give corresponding claim settlement guidance.

2. Field investigation

After receiving the call, the insurance company will arrange the survey and damage assessment personnel to arrive at the scene of the accident in time, investigate and deal with the accident, and negotiate the loss amount and maintenance method with the victim. At the same time, collect preliminary evidence materials related to claims, and remind everyone to save the documents needed for claims. If the main injury is treated in the hospital, the claims adjuster will go to the hospital to communicate with you.

3. Submit a claim.

After preparing the documents required for claim settlement, you can apply for claim settlement at the counter of the local insurance company. For users who do not have local claims outlets or are inconvenient to handle at the counter, some companies support mailing claims application materials to insurance companies.

4. Claim review

After receiving the claim materials, the insurance company conducts claim investigation and review.

5. Claim decision

After the approval, the insurance company will make a claim decision in time. If you decide to pay, you will send a notice of payment and pay the insurance money by bank transfer or cash. If you decide not to pay, a rejection notice will be sent and the corresponding application materials will be returned.

2. Documents required for auto insurance claims

1. Show insurance documents;

2. Show your driver's license;

3. Show your driver's license; 4. Show the identity card of the insured;

5. show the insurance policy;

6. Fill in the accident report form;

Extended information:

In China, auto insurance policyholders used to be mainly units and enterprises. However, with the increase in the number of vehicles owned by individuals, the proportion of bicycle owners among the insured will gradually increase.

The characteristics of these insured persons are passive purchase of insurance. Due to the limitation of culture, knowledge and accomplishment, they know little about insurance, traffic accident handling and vehicle maintenance. On the other hand, driven by interests, there are great obstacles for surveyors and adjusters in the process of claim settlement and communication with them.

Before buying a car, you must have corresponding insurance protection. Therefore, when a car collides or is damaged, there will be a special insurance company to pay for the driver's accident. After the driver makes a request, the insurance company will not give money immediately. It will take a long time to make sure that it was an accident.

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