After the traffic accident, the insurance claim of the insured vehicle purchased by loan is still the same as that of ordinary insurance claim, except that the amount of insurance claim is paid to me and the loan bank needs to issue a certificate. 1. After the vehicle is purchased by loan, the bank will go through the loan mortgage formalities for the vehicle, and make it clear in the insurance contract that the first beneficiary of the insurance is the commercial bank that handles the loan. In this way, banks can ensure the reasonable income of bank loans after vehicle accidents. 2. When the vehicle is insured, the insurance company will pay the insurance claim amount to the first beneficiary according to the insurance contract. Therefore, after paying the insurance loss, the insured needs to apply to the loan bank for proof and pay the insurance claim amount to himself. 3. It is necessary to prove that the commercial lender has paid the monthly loan on time, and the bank agrees to pay the insurance claim directly to the insured. After receiving this certificate, the insurance company will directly pay all the insurance claims to the insured.
Legal basis:
Article 76 of the Road Traffic Safety Law of the People's Republic of China * * * If a motor vehicle accident causes personal injury or property loss, the insurance company shall make compensation within the liability limit of compulsory motor vehicle third party liability insurance; The insufficient part shall be liable for compensation in accordance with the following provisions: (1) In case of a traffic accident between motor vehicles, the party at fault shall be liable for compensation; If both parties are at fault, they shall share the responsibility according to their respective fault proportions. (two) motor vehicles and non-motor vehicle drivers and pedestrians have traffic accidents, and the non-motor vehicle drivers and pedestrians are not at fault, and the motor vehicle party shall be liable for compensation; If there is evidence that non-motor vehicle drivers and pedestrians are at fault, the liability for compensation of the motor vehicle party shall be appropriately reduced according to the degree of fault; If the motor vehicle party is not at fault, it shall be liable for compensation not exceeding 10%. The loss of traffic accidents is caused by non-motor vehicle drivers and pedestrians deliberately colliding with motor vehicles, and the motor vehicle party is not liable for compensation.
How to deal with the loan after the car bought with the loan has a traffic accident?
When a bank issues a personal car loan, it will require the beneficiary on the insurance policy to be the lending bank. For larger claims, insurance companies need to seek the opinions of lending banks. If the loan bank demands compensation, the insurance company will pay the money to the loan bank, and the loan bank will directly repay the lender's loan principal and interest.
Car is mainly to actively assist insurance companies to complete vehicle survey, photography, damage assessment and other necessary work. Before closing the case, you should know how much responsibility you should bear in the accident, how much you lost, and how much the compensation fee for the injured person is, and then ask the insurance company what can and can't be compensated to minimize the loss.
At the same time, when looking for a rescue company trailer and repair shop to repair the car, the owner should communicate with the insurance company on the price issue in time to avoid a big difference between the quotation of the rescue company or repair shop and the compensation price of the insurance company.
Extended data
For the loss of the vehicle that was not found during the damage assessment, the insurance company should be informed in time, and the insurance company will conduct a second survey to determine the damage, so that the owner does not have to pay for this extra loss. Because the insured accident is damaged or the property of a third party is damaged, it should be repaired as much as possible.
Before repair, the insured shall check with the insurance company to determine the repair items, repair methods and repair costs. If the customer repairs by himself, the insurance company will re-approve or even refuse to pay compensation. After the vehicle is repaired, it is necessary to check the repair quality before paying the repair fee and going through the formalities of picking up the car.