Automobile insurance claim knowledge

A complete collection of automobile insurance claim knowledge

Automobile insurance is different from other insurance, and its claim settlement work also has remarkable characteristics. Claims workers must have a clear and systematic understanding of these characteristics, and understanding and mastering these characteristics is the premise and key to do a good job in automobile claims. The following is the knowledge of auto insurance claims that I have compiled for you. Welcome to read and browse.

Matters needing attention in claim settlement

First, report the case in time. After a traffic accident, the owner should protect the scene, report the accident to the insurance company within 48 hours, truthfully state the accident situation, provide an insurance policy, wait for the surveyor of the insurance company to visit the scene, and fill out the claim application form.

Second, understand the scope of refusal and exemption.

Third, it is not cost-effective to claim for too small a loss. Because when the auto insurance is renewed, the insurance company has a premium discount clause, that is, the vehicle can enjoy a premium discount of about 10% when it is renewed in the second year; If there is no accident record for several years in a row, the premium discount can reach up to about 30%.

Fourth, road accidents, first 1 10, let the traffic police report to the repair shop. A full set of repair shops will do.

Fifth, non-road accidents (residential areas): write a certificate yourself and then find the local police station to stamp it.

Sixth, bicycle accident: 1 10 First, the traffic police bill ~ and then find a repair shop. Some insurance companies need to see the scene, some don't, some don't go directly to the repair shop, and some need to report to the insurance company to see the car.

Automobile insurance function

Organizing economic compensation and realizing insurance payment are the basic functions of insurance, so is motor vehicle insurance.

With the improvement of productivity and the development of science and technology, human society has become civilized. Automobile civilization not only brings convenience to human life, but also brings property losses and personal injuries caused by accidents such as collision and overturning in automobile transportation. Moreover, with the improvement of productivity and the progress of science and technology, the losses caused by risk accidents are getting bigger and bigger, and the harm to human society is getting more and more serious. The probability of natural disasters and accidents in the use of motor vehicles is very high, especially in the event of third-party liability accidents, it is difficult to make up for its losses through self-compensation.

Matters needing attention in automobile insurance claims

1, drunk driving, driving without a license, driving license and driver's license will not be compensated if they are not inspected annually.

Under these circumstances, drivers are not qualified to drive on the road, which is a serious violation of traffic laws. In addition, if the driver does not conform to the quasi-driving model and the internship period is high, the insurance company will also refuse to pay compensation.

2. No compensation for losses during the repair period.

In case of collision, theft and other losses during vehicle repair, the insurance company will refuse to pay compensation. The garage has the responsibility to properly keep and maintain the vehicle.

3. The engine damage caused by water entering the engine will not be compensated.

When the vehicle goes deep into the water, after the engine is turned off, the driver forcibly ignites and causes damage, and the insurance company will not compensate. Because the loss was caused by the driver's improper operation.

4. Don't compensate for the damage caused by the articles in the car.

The insurance company is not responsible for compensation if the vehicle is injured by the goods loaded in the compartment or on the roof.

5. If the car is directly repaired and there is no fixed damage, it will not be compensated.

If the vehicle is in danger elsewhere, you should also repair the damage first, otherwise the insurance company will refuse to pay compensation because it cannot determine the amount of the loss.

6, take full responsibility for the accident, let go without compensation.

If you collide with other vehicles, the responsibility lies with the other party. You can't give up the right to claim compensation from the other party because you are too troublesome or kind. Once you give up the right to claim compensation from a third party, you also give up the right to claim compensation from the insurance company.

7. The car is not lost, and the tires will not be lost.

If the whole car is not stolen, only parts such as tires and audio equipment are stolen, and the owner can only admit that he is unlucky.

8. Don't pay for dragging an uninsured car into an accident.

If the driver drags a vehicle without third-party liability insurance on the road and collides with other vehicles and takes full responsibility, the insurance company will not make any compensation for it.

9. Don't pay for hitting your own home.

The so-called first and second refer to the insurer and the insured (the driver is regarded as the insured). Everyone except these people is regarded as a third party. In the insurance clause, the family members or drivers of the insured are excluded? Third party? Out of range. If a family member is hit, the insurance company regards it as exemption. Similarly, vehicles under the same company name can't get compensation from third party liability insurance when they collide.

10, the damage of the lamp or rearview mirror alone is not compensated.

According to professional analysis, this exemption clause is to deal with insurance fraud in some repair shops. They put the broken headlights replaced before on other cars of the same model to defraud compensation. Because the position of the lamp is easy to be damaged, but because of this exemption clause, many car owners can not get compensation even if they accidentally wipe it.

1 1, self-loading equipment is not compensated.

After buying a car, many car owners will install their own stereos, radios, refrigerators, tail wings, luggage racks and so on. The sales staff of most insurance companies will not prompt car owners to buy insurance separately for this purpose. Once the collision causes losses, the insurance company will not compensate.

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