The insurance claim of the insured vehicle purchased by loan after the traffic accident is still the same as that of the ordinary insurance claim, except that the amount of the insurance claim is paid to me, and the proof of the loan bank is required.

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 a reasonable income from 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 for a certificate from the loan bank to pay the insurance claim amount to himself.

3. It is necessary to prove that the commercial lender has paid the monthly loan repayment on time, and the bank agrees to pay the insurance claim amount directly to the insured.

After receiving this certificate, the insurance company will directly pay all insurance claims to the insured.

Generally speaking, after a traffic accident, the items of damages mainly include: medical expenses, lost time, hospital food subsidies, nursing expenses, disability compensation, disability equipment expenses, funeral expenses, death compensation, living expenses of dependents, transportation expenses, accommodation expenses, spiritual comfort and direct property losses.

Divide the responsibilities according to the traffic accident responsibility confirmation issued by the traffic police, and then pay in proportion to the responsibilities.

First, the insurance company makes compensation within the insurance limit, and the insufficient part is compensated by the owner or responsible person according to the proportion of responsibility.

legal ground

Article 46 of the Procedures for Handling Road Traffic Accidents

The traffic administrative department of the public security organ shall determine the responsibility of the parties according to the role played by their actions in road traffic accidents and the severity of their faults.

(a) if a road traffic accident is caused by the fault of one party, it shall bear full responsibility;

(2) If a road traffic accident occurs due to the fault of two or more parties, they shall bear primary responsibility, equal responsibility and secondary responsibility respectively according to the role their actions played in the accident and the severity of the fault;

(3) The parties are not at fault for causing road traffic accidents. If it is a traffic accident, neither party is responsible. If one party intentionally causes a road traffic accident, the other party is not responsible. Provincial public security organs may formulate specific rules or standards for the determination of responsibility for road traffic accidents in accordance with relevant laws and regulations.