You will drive away from the scene of the accident not far away, but you will still measure it according to the height and traces of the scene, which will not have any impact. However, it is necessary to report the case within the reporting time stipulated by the insurance company. If the report is late, it is possible to deduct part of the exemption fee. The specific procedures are as follows:
Claim process: accident-report-investigation-damage assessment-nuclear price-nuclear loss-nuclear compensation-payment.
Danger: There has been an accident.
Reporting: General insurance companies require reporting within 48 hours after the incident.
Survey: After reporting the case, the insurance company will send surveyors to the site to conduct a preliminary survey to determine whether it belongs to the insurance liability, whether the traces are consistent and whether it is true.
Damage determination: according to the trace and degree of the lost parts, the site will be initially damaged or directly to the repair shop, 4S shop and damage determination center for damage determination.
Nuclear price: Some insurance companies will verify the loss later to see if the actual price of repairing or replacing parts is reasonable.
Nuclear loss: According to the investigation and nuclear price, the comprehensive conclusion of loss is given.
Indemnity: after the above steps, provide relevant documents (driving license, driver's license, claim application, traffic police certificate, etc. ) and buy it at the counter of the insurance company.
The compensation department will review the whole case again. If it is proved to be effective and the accident is true, it belongs to insurance liability and can be closed in the compensation link.
Compensation: After closing the case, you can get compensation from the insurance company.
Extended data:
Matters needing attention
Everyone wants to have a safe trip when driving, but if there is a traffic accident, don't worry too much. At this time, the insurance company that collects our premium every year will bear the responsibility.
The following are the routine steps to apply for claims, and some mistakes in using auto insurance are analyzed.
You may be refused insurance after 48 hours.
The vast majority of vehicles are insured with commercial insurance and compulsory insurance.
However, some car owners don't know how to get the claim after the accident, which items should be paid by the insurance company, or even the claim process. This leads to being very passive when claiming compensation from insurance companies.
After a traffic accident, if it is a minor accident, you can take photos of the scene and disassemble them yourself, and then go to the traffic accident quick compensation center to make claims.
If the accident is serious or the loss is large, the driver should keep the first scene and report to the insured insurance company in time. Under normal circumstances, the insurance company has the right to refuse compensation 48 hours after the accident.
After the staff of the insurance company arrive at the scene, the driver should provide the original insurance policy, the valid ID card of the insured, the driving license of the insured vehicle that has passed the annual inspection and the driver's driving license at the time of the accident. After that, the staff can survey the scene of the accident.
Proof of repayment is required when the loan car is in danger.
All vehicle losses caused by insurance accidents must be assessed by insurance companies before they can be repaired to determine the loss items and amount. Damaged vehicles can only be repaired after the damage assessment is completed.
Compensation for personal or property damage to a third party must also be recognized by the insurance company before the relevant evidence and amount can be settled.
After handling the accident, it is necessary to hand over the accident notice, loss list, invoice, copy of the insured's valid ID card and the insured's bank account (savings account) to the insurance company.
If it is a loan vehicle, a timely repayment certificate issued by the bank must be submitted. If the traffic police department needs to make a ruling, it needs to produce a summary ruling or a formal ruling.
If someone is injured, you need to provide certificates, medical invoices, cases, proof of lost time and other related materials. At that time, the insurance company will remit the indemnity to the account of the insured.
References:
Automobile insurance claim-Baidu Encyclopedia