Many car owners are confused about the vehicle claims process, especially the owners of the first claims. The following Xiaobian gave us a detailed introduction to the claims process and the issues that people are more concerned about.
After the car is out of danger, the entire process of final settlement is: Out of danger report - Site investigation - Submit claim application - Claims review - Claim decision
Risk report
After the occurrence of an insurance accident, the first time you call the insurance company customer service phone, the insurance company customer service staff will tell you the claims required documents, and make the appropriate claims guidance.
Site survey
After the insurance company claims service personnel receives the report telephone, will immediately rush to the scene of the accident, carry on the accident investigation and the processing, and the owner agrees the loss amount and the maintenance way. At the same time, you will initially collect the evidence related to claims and remind you to save the documents required for settlement. If the victim is injured in the hospital for treatment, the claimant will go to the hospital to discuss with you.
Submit claims application
After preparing the documents required for claim settlement, you can apply for settlement at the counter of the local insurance company. For users who do not have settlement outlets in the local area or who are inconvenient to apply at the counter, some companies support sending claims application materials to the insurance company for settlement.
Claims audit
After the insurance company receives claims materials, it conducts claims investigation and verification.
Claims decision
After the audit, the insurance company will make a timely decision on claims. If you decide to pay, you will send a payment notice and pay the insurance money via bank transfer or cash. If it decides not to pay, it will send a notice of refusal and return the corresponding application materials.
In the process of claims settlement, the sequence of compensation after the compulsory commercial payment shall be followed, and the insurance company shall first compensate the party within the limits of the liability limit of the compulsory insurance. If you have already covered commercial liability insurance, if you have already insured business risk insurance, the insurance company will make claims according to the content of the commercial three liability insurance contract. The part beyond the business three liability insurance will be borne by the individual; if you have not insured the business three liability insurance, then The responsibility for the remaining part of the accident falls within your personal responsibility.
It must be remembered that if there is an auto insurance accident, it is best to report the case immediately, which will make it easier for the insurance company to determine the damage and be able to obtain sufficient claims. If there is no immediate report at the time, the case should be reported within the time specified in the auto insurance contract. Some insurance companies require that they should be within 48 hours. If they exceed 48 hours, they may not be able to obtain sufficient compensation for the cause and liability of the accident. They may even encounter a refusal to pay compensation.
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