Matters needing attention in automobile insurance claims

Claim settlement means that the breaching party accepts the claim for compensation put forward by the injured party. It can be seen that claim and settlement are two sides of the same problem. So, what are the precautions for auto insurance claims? Below, I collected and sorted out the matters needing attention in the process of auto insurance claims for you, hoping to help you!

Precautions for auto insurance claims 1 1: define the insurance liability.

An insurance policy is a contract and is legally binding. Generally, the back of the insurance policy will clearly print which disasters and accidents belong to the insurance liability and which do not. If the loss of the insured property caused by disasters or accidents after the insured is insured belongs to the insurance liability, you can claim compensation from the insurance company; Otherwise, no compensation can be made.

For example, an applicant has insured his apartment building with family property insurance. Because he violated the relevant regulations of urban housing construction in the decoration, the housing management department required him to restore the demolished housing structure according to law, which naturally lost economic expenses. The insured mistakenly thinks that he can claim for compensation if he is insured, and reports the case to the insurance company for compensation. Insurance employees patiently explain insurance responsibilities one by one. The insured knows that personal decoration and destruction of the house are not insurance liability, and the bitter wine brewed by himself is only for himself.

There are many types of insurance, such as motor vehicle insurance and family property insurance. Besides the basic insurance, there are additional risks. For example, in addition to basic risks such as vehicle loss insurance and third party liability insurance, motor vehicle insurance also includes additional risks such as separate glass breakage insurance, vehicle liability insurance, auto theft insurance, spontaneous combustion loss insurance, no-fault liability insurance and vehicle cargo drop liability insurance. In addition to the basic insurance, the additional risks of family property insurance include family pipeline rupture and W.P.A. insurance, household appliance safety insurance, cash jewelry theft insurance, computer hardware loss insurance, household gas appliance liability insurance, bicycle third party liability insurance, family compensation liability insurance and family safety insurance, covering many aspects of family life.

Since both basic insurance and additional insurance have their own insurance responsibilities, the insured must confirm whether the insurance is within your insurance coverage when claiming. More specifically, you can get compensation only if disasters and accidents are covered by your insurance. Therefore, the insured should choose a good type of insurance when applying for insurance, so as to get reliable protection in the future.

Three: Understand insurance knowledge

An insurance policy is a contract that bears the responsibility of protecting property. The insured shall keep the insurance policy properly. As the insured, it is necessary to know the relevant insurance knowledge, such as the insurance period, the contents of the insured property, the scope of insurance compensation, the relationship between the insured amount and the actual compensation amount, how to go through the formalities if the address is changed during the family property insurance period, and who owns the rights and interests of the insured property recovered after compensation. Only by "knowing why, knowing why better" can we better safeguard our legitimate rights and interests in the face of danger, otherwise it will not only waste manpower and material resources, but also make jokes.

Four: Understand the compensation procedure.

Insurance claim settlement is the most obvious feature that embodies the function of insurance economic compensation. Many units and individuals only take out insurance after seeing others get scientific, timely and reasonable compensation. However, insurance claims must go through necessary procedures, perform necessary procedures in accordance with relevant regulations, and provide necessary documents, which are indispensable.

Like motor vehicle insurance, after an accident, the insured should immediately report the accident to the insurance company, truthfully reflect the accident situation, fill in the accident report, and assist the insurance company in exploring the accident site. After the public security traffic control department closes the case, the insured should also provide insurance policy, accident liability confirmation, accident mediation, judgment, loss list and related expense documents when handling claims, so that the insurance company can make compensation according to regulations.

Matters needing attention in automobile insurance claims 2 1. Be sure to carry a clear copy of the "three certificates and one form" of the motor vehicle with you, that is, the owner's ID card, driver's license, driving license and insurance policy. Avoid some insurance companies that don't pay claims because of incomplete insurance documents.

2, the accident must be the first time to call the police, especially major accidents. When calling the insurance company to report the case, remember to provide basic information such as policy number, time and place of accident, nature of accident, etc.

3. Generally, vehicles with temporary license plates only have short-term insurance, and the time and route are stipulated. If an accident occurs outside the specified time and route, the insurance company will not be liable for compensation.

4. When the vehicle is out of danger in a different place, it must be reported to the insurance company in time, and the loss-fixing personnel at the scene of the accident will conduct on-site investigation and loss-fixing. The compensation fee is generally valued according to the industry standard of the place where the accident occurred. If local damage is found only after returning to the insured place, the insurance company can make up the compensation for this part of the repair fee.

5. If the insured wants to entrust the repair shop to handle the compensation, or directly transfer the accident compensation fee to the repair shop, he must personally sign the power of attorney and report it to the insurance company for the record. Every maintenance must sign a quality contract with the repair shop to safeguard their legitimate rights and interests.

Common sense of automobile insurance claims

Article 1 Report the case in time to protect the scene.

When a traffic accident happens, we should first call the police in time to protect the scene. And contact the insurance company to report the case within 48 hours, state the accident according to the actual situation, provide the insurance policy, wait for the survey personnel of the insurance company to do the survey work on the spot, and remember to fill out the claim application form.

Article 2 Understand the scope of refusing compensation and exemption.

Know clearly in advance the scope of visa refusal and visa exemption.

Article 3 If the loss is too small, the claim is not cost-effective.

Why is the loss too small to claim for compensation uneconomical? Because when the auto insurance is renewed, the insurance company will have a premium discount item, that is, if the vehicle does not appear in one year, it can enjoy a scrap discount of about 10% when the insurance is renewed in the second year. If there is no accident record for several years in a row, the premium discount can be up to about 30%. Therefore, whether to claim compensation can be judged according to the size of the loss.

Article 4 Prove first, then repair.

If there is an accident on the road, you should call the police first, call 1 10, let the traffic police issue a certificate, and then report it to the repair shop. Complete repair of fixed loss

Article 5 Non-road traffic accidents shall be self-incriminated.

Off-road (residential area) accident: you can write your own certificate and then find the local police station to stamp it.

Article 6. Bicycle accidents depend on the specific circumstances.

In case of a bicycle accident, call 1 10 to ask the traffic police for a bill, and then ask the repair shop. Because some insurance companies want to see the scene, some don't, and those who don't can go directly to the repair shop and wait for the insurance company to see the car after reporting the case.

Expansion: How to claim for vehicle soaking in water?

1, still flooded, according to the "natural disaster" compensation.

According to the provisions of the Family Car Loss Insurance Clause, during the insurance period, if the insured or his legal user causes the loss of the insured motor vehicle due to natural disasters such as rainstorm and flood during the use of the insured motor vehicle, the insurance company is responsible for compensation.

Cars parked in residential areas or underground garages are flooded, causing losses. As long as the vehicle is insured with vehicle loss insurance, the insurance company will pay compensation according to natural disasters. What we have to do now is: don't take the train, take photos first, then report the case, and then it's ok!

The staff suggested that after the accident, the owner should not try to move the vehicle or start the vehicle, but should report the case as soon as possible for no more than 48 hours. As for the specific compensation for car loss, it should be insured according to the owner's insurance policy. If the accumulated water overflows the dashboard, the insurance company will consider paying in full.

2. Water entering the engine due to wading shall not be compensated.

Many cars stopped because of wading. In this case, it depends on the specific damage of the vehicle to make claims. According to the insurance clause, the insurance company is not responsible for compensation for engine damage caused by engine water inflow. In addition to the engine, other parts of the car are also damaged, such as the interior and computer board. , will be determined according to the specific situation.

The staff reminded that under normal circumstances, if the vehicle is turned off in the water, there is a 50% possibility of damaging the engine; However, if the engine is restarted after the flameout, the engine must be "reimbursed". It must be noted that the car must not be started again after the flameout. What we need to do at this time is to call the police and take pictures. The wading flameout has started again. Sorry, this part doesn't care about insurance.

3. What should I do if lampposts, trees and billboards fall down and hit vehicles?

A heavy rain soaked the foundation around the lamp post, and the lamp post fell down and hit the private car parked below. What should I do?

According to relevant professionals, the loss caused by falling objects or lamp poles in heavy rain is a natural disaster. Similarly, the loss caused by the vehicle being washed away by the rainstorm also belongs to the category of vehicle damage insurance.

4. Non-annual vehicle claims.

Car owners who have not had annual inspection should be specially reminded. Because the annual inspection takes a long time, many car owners easily forget that if an accident occurs during this period, the insurance company will not pay. According to the insurance regulations, insurance companies only take effect on qualified and legal vehicles. Vehicles that have not been inspected annually are unqualified vehicles and cannot be driven on the road according to regulations, and the insurance company will not pay compensation.