How does the collision insurance company compensate?

The inspector shall complete the on-site survey and inspection within one working day after receiving the internal service notice from the insurance company (the inspection of the damaged subject matter in other places may be entrusted to the local insurance company to complete within three working days); Asking customers to provide relevant documents; Guide customers to fill out relevant claim documents.

2. Sign for and review the claim documents

The back office staff of the business department and each insurance branch will review the claim documents submitted by the customers, explain the documents that need to be supplemented to the customers with incomplete procedures, and return them to the customers. For the claims with complete documents, they should sign the "Accident Report (Claim) in duplicate, and return the yellow copy to the insured; After sorting out the claim documents and the information kept, submit them to the Indemnity Division of the Property & Casualty Department.

3. Adjustment and recheck

After receiving the information submitted by the back office, the person in charge of the nuclear compensation department will review it, and the documents with complete formalities will be signed in the handover book; All claims must be adjusted within 3 working days and submitted to the person in charge of the compensation department for review.

4. Approve

Claims within the authority of the Property & Casualty Department and submit them to the manager in charge of claims for approval; Escalation of the authority of the Property Insurance Department.

5. Settlement of claims

The manager of the Compensation Division will number the claims that have completed the examination and approval procedures, and submit the compensation receipt and calculation to the financial department for transfer; After the financial department confirms the payment, except for the red copy of the payment receipt and calculation, the rest will be retrieved.

Traffic accident insurance takes the insured's body as the insurance subject, and the conditions for paying insurance benefits are death, disability, medical expenses, etc., caused by accidental injuries while the insured is on public transport. It mainly includes trains, planes, ships, cars, subways and other means of transportation.

accident insurance is personal accident insurance, also known as accidental injury insurance, which provides the insured with accidental injury and accidental medical protection for death and disability due to accidents. Accident insurance is generally divided into two categories: accident injury insurance and accident medical insurance. Accidental injury insurance includes accidental death, disability, etc. Accidental medical insurance includes emergency medical treatment, reimbursement of hospitalization expenses, hospitalization subsidies, etc.

accident insurance in a broad sense includes personal accident insurance and accidental medical insurance. Personal accident insurance means that when the insured is disabled or dies due to an accident, the insurance company gives corresponding compensation; Accident medical insurance is to pay the corresponding amount of medical expenses for the insured who needs rescue due to accidents. Aviation accident insurance purchased when flying is a special type of accident insurance, but the guarantee time is limited to a few hours' flight, and once the plane arrives at its destination, the guarantee will end.

insurance method

consumers can go to the sales counter of professional insurance companies to buy: fill in the insurance application form, and the insurance company will issue an insurance certificate after receiving the insurance premium, and the insurance will take effect.

consumers can also buy through the website. Consumers fill in the insurance information and pay online, and the insurance company issues an electronic insurance certificate and sends it to the customer by email or SMS, and the insurance will take effect.

consumers can contact a qualified personal agent to purchase. Many consumers have insurance agents who serve themselves, and consumers can buy through this agent.

it can also be purchased through a qualified agency: many insurance companies install the system terminal in the agency. After the customer provides insurance information and pays the insurance premium to the agency, the agency prints the insurance certificate to the consumer through the insurance company system, and the insurance becomes effective.