I bought compulsory insurance and third liability insurance. How to claim compensation from the insurance company after a traffic accident?

As a high-quality problem package, this problem seems to involve more consultation. Let me make an answer for the reference of friends in similar situations. \ x0d \ x0d \ After a traffic accident: \x0d\( 1) Stop the car calmly at the first time, observe the accident casualties, set up accident warning signs, and lock the car body to prevent theft. \x0d\(2) Take photos of the accident scene with a mobile phone. Pictures should be enough to describe the location of the accident, such as obvious architectural landmarks or street icons in the background, such as carriageways or sidewalks, whether there are traffic lights, whether there are road position lines, that is, white solid lines and dotted lines, and so on; The location of the accident car collision, the accident witnesses, the state of the injured and the distance relationship between the accident cars. ; \x0d\(3) Then, call the insurance company at 122. At this point, what you need to do is not to save people, unless you are a professional doctor. Otherwise, whether it can be saved will not have any positive effect on the injured. What you need is to call your family or friends immediately, while waiting for the help of acquaintances, reminding passing vehicles, protecting the scene, avoiding secondary accidents and helping traffic police identify accidents; \x0d\(4) Give humanitarian care to the injured person, but you still can't move the injured person unless the injured person moves himself. In this case, you'd better video live; \x0d\(5) If the injured person is conscious, you don't need to remind him to find his family, which will bring uncontrollable situation; If the injured person is unconscious, you can check his ID card and take a photo, then check the injured person's phone number (if the other person doesn't have a password lock screen) and call his family back recently (this needs to be decided according to the situation, you know). \ x0d \ x0d \ After the traffic police and insurance come: \ x0d \ x0d \ (1) You need to communicate with the claim adjuster of the insurance company first and ask for advice on handling the accident (be sincere, people can be kind and take many measures); \x0d\(2) Describe the accident to the traffic police and ask about the work flow; \x0d\(3) At this time, in the presence of traffic police and insurance companies, it is actually the best time to call the families of the injured. It is suggested that you call the injured family yourself, which will give them a positive attitude; \x0d\(4) If the injured person is taken to the hospital, you'd better not accompany him. The best way is to let the traffic police draw a clear line between the responsibilities of both parties before contacting each other. Your reason is that you have no money, but the insurance is enough to pay any compensation, so that the injured and their families can believe in your compensation ability. \x0d\(5) Especially don't advance the medical expenses of the injured, otherwise it will be difficult to calculate and count later. You should make it clear that after consulting the insurance company, after paying all the expenses for the treatment and diagnosis of the injured, you will make a one-time compensation according to the insurance regulations; In this case, if the accident victim pays medical expenses in advance, it will lead to the lion's mouth of the patient's family later. If the expenses of the injured are paid by themselves, the expenses will naturally be controlled; It is also convenient for later statistics. You should make it clear to the families of the injured. It's best to tell them by SMS or WeChat that you only pay for the valid bills and the fees stipulated by the insurance company. If the excess is unreasonable, no compensation will be given. If they are not satisfied, they can be allowed to take the form of litigation compensation. In this way, the other party will not make too many unreasonable demands. Remember that others tell you how you feel, you tell each other the rules, others reason with you, and you tell each other how you feel. \x0d\\x0d\ (3) Regarding the claim \x0d\\x0d\( 1), it is suggested to select the insurance type (or amount) according to the maximum amount of death compensation in this city. Obviously, in this case, the owner only insured the amount of 200 thousand, which obviously led to passivity. \x0d\(2) As for compulsory insurance, this is a quota, that is, the maximum compensation 10000 yuan. So only compulsory insurance, good driving skills, no bad driving habits, don't often burn the midnight oil, and friends who don't drink and drive are the best. \x0d\\x0d\(3) The insurance company will make claims according to the insurance clauses. If you don't know the terms and responsibilities, you can call customer service. In this case, the maximum compensation of the insurance company is 1 10,000+200,000. According to the demands of the family members in the case, I suggest that in this case, don't continue to communicate with them, tell them that you can't accept their way, and let them take you and the insurance to court. There is a court ruling. This is the best way. \x0d\(4) Don't ignore the identification of traffic police's accident responsibility. If there is no responsibility, the obligation to treat the injured cannot be exempted, but the part that exceeds the limit of the insurance company does not need compensation. \x0d\(5) Finally, once again, in case of an accident, we must make it clear to the other party and only accept one-time compensation. Therefore, it is recommended that all the injured people be treated before they can claim compensation from you. At the same time, it emphasizes the reimbursement regulations of insurance companies.