How to go to Ping An Auto Insurance Loss Determination Process?

After an insurance accident happens to a vehicle, it is necessary to immediately protect the scene, rescue the wounded and property, keep relevant evidence, immediately report the case to the traffic management department of the public security organ, and call the insurance company to report the case, and bring the original insurance policy, driver's license, driving license, insured's ID card and other materials to the insurance company to formally report the case within 48 hours. Different insurance companies will have different claims procedures, but the basic steps of claims are basically the same. The basic processes include: reporting, investigating and determining losses, signing and reviewing claim documents, adjusting and reviewing, approving and closing claims. It should be pointed out that:

1, report the case quickly.

The auto insurance clause usually stipulates that the accident should be reported to the insurance company within 48 hours, otherwise the insurance company has the right to refuse compensation. If someone else is entrusted to report the case, the informant shall also carry his ID card and the power of attorney issued by the insured.

2. Fixed damage repair

Before the insurance company repairs all the losses of the vehicle caused by the insurance accident, it must carry out damage assessment (damage assessment can be carried out in the repair shop or 4S shop designated by the insurance company, or in the factory and shop qualified for damage assessment, but all three parties must be present), so as to verify the loss items and amount; Damaged vehicles can only be repaired after the damage is determined; Compensation for personal or property damage to a third party must also be recognized by the insurance company, and the relevant evidence and amount can be used to settle the claim.

3. Because the insured is the fully responsible party, the insurance company will pay all the compensation to the fully responsible insured, and the non-responsible party will not pay. The non-responsible party shall communicate with the other party in time after the completion of the loss determination, ask for the vehicle maintenance fee and hand over the copy of the invoice and the claim settlement certificate to the fully responsible party for claim settlement.

Tips: The above explanations are for reference only. For details, please refer to the actual claims process of the insurance company.

Reply time: 2021-10-19. Please refer to the latest business changes announced by Ping An Bank in official website.

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