The traffic accident court ruled that the owner of the car was 8 thousand and the insurance company was more than 80 thousand. However, the insurance company refused to pay the drug fee that the owner

The traffic accident court ruled that the owner of the car was 8 thousand and the insurance company was more than 80 thousand. However, the insurance company refused to pay the drug fee that the owner could not insure afterwards. Is this reasonable? Go to your presiding judge to deal with this matter. If you go, it will be quick. If you don't go, nobody will give it to you. But at most, it will be within three months from the date when the traffic accident is handled and closed. Its specific contents are as follows:

The first step is to ask traffic accident compensation:

After a traffic accident, the scene should be properly protected and reported to the insurance company in time. Road accidents should also be reported to the traffic department for handling. For non-road traffic accidents (such as vehicles hitting trees or walls due to driving), the safety committee shall issue certification materials.

The second step is traffic accident identification:

1. After receiving the report, the insurance company will send people to the site for investigation or to the traffic department to understand the accident situation, and at the same time, the vehicle will be damaged, the reasonable cost will be estimated, and the owner will be informed to go to the repair shop designated by the insurance company to deal with the accident vehicle. If the owner requests self-study, he shall go through the self-study procedures. If the maintenance cost exceeds the fixed loss cost, the owner shall pay the excess cost by himself.

2. Claims for third party liability shall also be determined by the insurance company according to law and paid according to the insured amount. An insurance company may refuse to pay the amount of compensation negotiated privately between the insured and a third party.

The third step is compensation: total loss.

1. If the insured amount is equal to or lower than the actual value at the time of the accident after the total loss of the insured vehicle, compensation shall be made according to the insured amount.

2. After the total loss of the insured vehicle, if the insured amount is higher than the actual value at the time of the accident, compensation shall be made according to the actual value at the time of the accident.

The fourth step is the partial loss of traffic accidents.

1. If the insured vehicle suffers partial losses, the insured amount reaches the actual value at the time of underwriting. No matter whether the insured amount is lower than the actual value of the accident, part of the loss shall be compensated according to the actual repair cost; If the insured amount of the insured vehicle is lower than the actual insured value, the repair fee shall be compensated according to the proportion between the insured amount and the actual insured value.

2. The maximum compensation limit for the loss of the insured vehicle is the insured amount.

3. When the total loss compensation or partial loss compensation of the insured vehicle is equal to the total insured amount, the vehicle loss insurance liability is terminated. However, during the insurance period, regardless of one or more losses or expenses within the scope of insurance liability, as long as each compensation does not reach the insured amount, its insurance liability is still valid.

4. The remaining part of the insured vehicle after total loss caused by the insured accident shall be appraised by the insured through consultation and deducted from the compensation.

The fifth step is traffic accident compensation time.

Within three months from the date of vehicle repair or traffic accident settlement, the insured shall go to the insurance company to receive compensation with the insurance policy, accident handling certificate, accident mediation book, repair list and other relevant certificates.

If no agreement can be reached in disputes with insurance companies, they may apply to the economic contract arbitration organ for arbitration or bring a lawsuit to the people's court.

Compensation standard for car accident death:

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.