5 being rear-ended, everyone is talking about how to accompany each other, and the other party is fully responsible.

You need to report the case to the traffic police first, then see the other insurance company report the case, wait for the traffic police to confirm the accident, then the other insurance company will check it on the spot, then go to the designated place to fix the damage, and then repair the car, and then the insurance company will find the other party to settle the claim.

First, report the case

1, after the accident, keep the scene of the accident and report it to the insurance company to which the vehicle belongs immediately;

2. If the third party loses road facilities or the third party loses vehicles, it shall report to the traffic police department;

Second, on-site treatment-

1, the insurance company personnel arrived at the scene and issued a survey report.

2, the traffic police department arrived at the scene, and the scene issued an accident certificate.

Reminder: Under normal circumstances, when reporting a case to an insurance company, if the insurance company requests to report the case to the traffic police, the insurance company personnel do not need to go to the scene to handle it!

Third, third-party maintenance.

1. If the third party is not a motor vehicle, it is best to ask the personnel of the insurance company to directly reach the nuclear loss price recognized by the third party (the third party, the insurance company and the owner) during the on-site handling. If it is impossible to verify the loss on the spot, the insurance company shall be required to give the nuclear loss price when verifying the loss of the third party or during the verification process.

Reminder: If the insurance company promises the amount of claims to a third party without its permission, the insurance company has the right to overturn this promise. If there is a gap between the re-approved price and the requirements of the third party, the difference shall be borne by the owner himself.

2, if the third party is a motor vehicle, it should be divided into the following two situations:

First, if the third party agrees to go with the owner to the repair shop chosen by the owner, there is no need to pay the third party any cash on the spot!

Second, if a third party requests to go to a repair shop of its own choosing, that is to say, when the third party will go to a different repair shop with the owner to repair the vehicle, the third party may ask the owner to pay part of the repair cost at the scene of the accident, or call it a deposit or security deposit (for fear that the owner can't be found afterwards or the owner will not admit it afterwards), remember: First, if you pay the money on the spot, you must issue a receipt; Second, it is more appropriate to pay half of the maintenance cost (because a third party may not recognize it afterwards).

Reminder 1: After the third-party vehicle is repaired, the owner must first pay the repair fee to the third party or the repair shop of his choice, and then make insurance claims after obtaining the maintenance invoice and details of the third party. If the third party fails to provide relevant information or can't find a third party afterwards, the third party's maintenance fee insurance company can't pay.

Reminder 2: Although the above-mentioned on-site payment requires a receipt from a third party, although this receipt cannot be used as a basis for compensation, it can at least avoid the situation that the third party does not recognize the account afterwards.

Fourth, vehicle damage repair

1. Send the damaged vehicle to the damage assessment center, and notify the insurance company for damage assessment;

2, the repair shop repairs the car;

3. The owner picks up the car.

Verb (abbreviation for verb) submits claim documents.

Claim: Collect claim information and submit it to the insurance company for claim settlement.

Loss adjustment of intransitive verbs

After receiving the complete claim documents, the insurance company will make adjustments and finally determine the final payment amount.

Seven. Remuneration:

The financial personnel of the insurance company will transfer the compensation to the account designated by the owner according to the amount calculated by the adjuster.