Subrogation automobile insurance claim process

1. Submit application materials: accident certificate, relevant information of the responsible party, ID card, driver's license and other documents and insurance documents.

2. Fixed damage repair: according to the repair items decided by the loss adjuster of the insurance company, repair the car at more than two types of repair points.

3. Waiting for the other party's reconsideration: the reconsideration time is 15 days, during which the other party will receive a call from the traffic police.

4. Get insurance compensation: After the vehicle maintenance is completed, pay the maintenance fee first, and then get it to the insurance company for reimbursement.

5. Cooperate to testify: You need to cooperate with the insurance company and relevant departments to investigate the situation of the perpetrators.

6. Closing the case: Closing the case after obtaining compensation from the perpetrator through legal channels.

PICC Auto Insurance Subrogation Process

There are alternatives to recourse, but you can't exercise the right of recourse in your case. Compensation on behalf of the insured motor vehicle means that after a traffic accident, the third party should be liable for compensation, but the third party is unable or unwilling to pay compensation. After the court decides or mediates, the insured of this vehicle can claim compensation from its insurance company on its behalf. And related materials need to be provided. Moreover, general insurance companies are reluctant to recover on their behalf.

The right of subrogation in auto insurance, also known as "transfer of rights and interests", means that when the subject matter insured suffers losses within the scope of insurance liability due to the fault of a third party, the insurance company will get all the rights and compensation of the insured for the losses after paying the insurance money according to the insurance contract, and can directly claim or file a claim lawsuit against the third party in the name of the insured.

The purpose of auto insurance subrogation is to provide double protection for the insured, so as to ensure that the loss of the insured can be fully compensated. At the same time, the insured will not benefit excessively because of insurance payment.