How to deal with auto insurance claims disputes

The settlement methods of auto insurance claims disputes are as follows:

1. Through negotiation and mediation, the parties directly negotiate without the intervention of a third party;

2. A third party presides over the settlement, that is, a third party other than both parties mediates and urges both parties to reach a settlement agreement;

3. If negotiation fails, you can bring a lawsuit to the court.

What is the procedure for handling traffic accidents?

1, accept the report. After receiving a report from a party or other person, the public security traffic management department shall file a case according to its jurisdiction;

2. On-site treatment. After accepting the case, the public security traffic management department immediately sent personnel to the scene to rescue the injured and property, explore the scene and collect evidence;

3. Responsibility identification. On the basis of finding out the facts of traffic accidents, the public security traffic management department determines the responsibility of traffic accidents according to the causal relationship and function between the illegal acts of the parties involved in the accidents and the traffic accidents.

4. Reward and punish. The traffic administrative department of public security shall, in accordance with the relevant provisions, punish the person responsible for the accident with warning, fine, suspension, revocation of driver's license or detention;

5. Mediation of damages. Compensation for personal injuries and economic losses caused by traffic accidents shall be divided into corresponding compensation proportions in accordance with relevant regulations and compensation standards, and the public security traffic management department shall convene both parties to mediate. Both parties agree to reach an agreement, and the accident mediator will make and issue a conciliation statement for damages;

6. Bring a lawsuit to the court. If both parties fail to mediate within the statutory time limit, the public security traffic management department will terminate the mediation and issue a mediation conclusion, and both parties will bring a civil lawsuit to the court.

Legal basis: Article 74 of the Road Traffic Safety Law of the People's Republic of China

In the event of a dispute in traffic accident compensation, the parties may request the traffic administrative department of the public security organ for mediation, or they may directly bring a civil lawsuit to the people's court.

After mediation by the traffic administrative department of the public security organ, if the parties fail to reach an agreement or fail to perform the mediation after it takes effect, the parties may bring a civil lawsuit to the people's court.