What is the claim process of traffic accident insurance?

The process of traffic accident insurance claims can be simply divided into several steps: reporting, surveying and determining losses, claiming, auditing and paying compensation. However, according to different insurance companies, there may be slight differences in some process details and data requirements.

Specifically divided into:

1. Report the case

After a traffic accident, you should report it to the insurance company immediately while ensuring personal safety. Different companies support different security methods. The first is the customer service phone number of the insurance company, followed by the official app, official WeChat, SMS and other channels.

The customer service staff will record the accident, arrange rescue, inform the follow-up claims processing flow, and instruct the police. Of course, you can also call the local traffic control department to report to the insurance company first, for example, in case of emergency.

2. Reconnaissance and damage determination

After accepting the report, the insurance company will arrange the company's claim adjuster or a third-party loss assessment agency with cooperative relationship to investigate the accident site, understand the damage assessment situation, consult and preliminarily collect the evidence and materials related to the nature, cause and loss of the accident, confirm whether the accident belongs to insurance liability, and entrust a special technical appraisal department or scientific research institution to provide professional technical support when necessary.

make a claim

After determining the insurance liability, the claim adjuster needs to submit all the required information according to the requirements of the insurance company. The insurance company will review the authenticity and integrity of the information, and if the information is incomplete, the insurance company will notify to supplement the relevant information; If the insurance company has doubts about the authenticity of the information, the insurance company will also conduct corresponding investigation and verification.

review

When the information is confirmed to be true, valid and complete, the insurance company will accurately calculate the insurance amount according to the provisions of the insurance contract and relevant laws and regulations, as well as the internal audit of compensation cases, and reach a final compensation agreement with the claimant.

Step 5 pay the claim

The insurance company shall pay compensation to the obligee (i.e. the applicant) according to the compensation payment method and insurance contract agreed with the applicant. If the corresponding compensation for the liability of a third party is involved, the insurance company can directly transfer the compensation to the third party after authorization.

The above answers about the claim process of traffic accident insurance hope to be helpful to the subject and everyone.