1. What is the claim settlement process of PICC Property and Casualty Insurance Company?

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Danger: An accident occurs.

1. Reporting: Generally, insurance companies require reporting within 48 hours after an incident occurs.

(1) After the accident occurs, the customer reports the case to the claims department of the insurance company;

(2) After receiving the report, the backend requires the customer to immediately fill in the "Business Risk Registration Form" (telephone , fax and other reports will be filled in by the backend); (3) the backend should immediately check the copy of the insurance policy and the copy form, and copy the insurance policy, copy of the insurance policy and detailed list based on the insurance certificate or insurance policy number provided by the customer. Check the premium charge and have the financial officer confirm the signature on the copy of the premium receipt (Association of Commerce and Statistics) (special payments must be accompanied by an agreement or stipulation);

(4) Confirm that the insured subject matter will be covered by the insurance during the validity period or Pay the special fee before the accident occurs, and ask the customer to fill in the "Accident Case Inquiry Form" and file the case (if the case is reported by phone or fax, the examiner is responsible for asking the customer to fill it out), and write down the case number in the order of reporting; (5) Issue claim documents. After filing the case, issue relevant claim documents to the insured and inform the claim settlement procedures and methods (the inspector is responsible for reporting the case by phone or fax);

(6) Notify the inspector to report the loss and the location of the accident.

The above work will be completed within half a working day.

2. Investigate and determine the damage

(1) The inspectors should complete the on-site investigation and inspection within 1 working day after receiving the insurance company’s internal notification (damage in other places The inspection of the property can be completed by the local insurance company within 3 working days);

(2) Request the customer to provide relevant documents;

(3) Guide the customer to fill in the relevant claim documents.

3. Sign and review the claim documents

(1) The back-office staff of the sales department and each insurance branch will review the claim documents submitted by the customers, and review the claims documents submitted by customers if the procedures are incomplete. Compensation documentation is explained and returned to the customer. For claims with complete documents, after signing the "Insurance Report (Claim)" (in duplicate), return the yellow copy to the insured;

(2) Organize the documents and store materials Then, submit it to the Compensation Division of the Department of Property and Casualty.

4. Adjustment review

(1) After receiving the information submitted from the background, the manager of the Compensation and Compensation Department will review and sign the handover letter with complete documents;

(2) All claims must be adjusted within 3 working days and submitted to the head of the Nuclear Claims Section for review.

5. Agree

(1) Claims within the purview of the Property and Casualty Department should be submitted to the manager responsible for claims for approval;

(2) Level by level Authority to report to the Property Casualty Insurance Department.

6. Payment settlement

(1) The manager of the Compensation and Compensation Division will send the compensation case number that has completed the approval process, and submit the compensation receipt and calculation to the financial appropriation;

(2) After the financial department confirms the payment, except for the red copies of the payment receipt and calculation sheet, the rest will be returned.

Second, repairing the car first and then settling the claim is not the correct process.

In daily accident handling, some car owners believe that the insurance company pays for the accident and the determination of responsibility in the accident is not important. Therefore, these car owners will take the initiative to assume responsibility when liability is determined. But they don’t know that for third-party liability insurance, insurance companies set different compensation ratios based on the responsibility borne by the car owner. Therefore, if it is not their responsibility, they must not bear it because the insurance company will not cover all costs.

In addition, after a vehicle is in danger, you must develop the habit of reporting it to the insurance company as soon as possible. Some car owners do not report the accident to the insurance company immediately, but instead go to a repair shop first, and then ask the insurance company for reimbursement after the car is repaired. In this way, if the insurance company determines that the repair cost is higher than the fixed loss cost during the claim, the difference will be borne by the car owner.

All vehicles need to purchase corresponding vehicle insurance while driving, including compulsory traffic insurance. Car owners can also purchase other commercial insurance according to their actual situation. After a traffic accident, they also need to call the police and notify the insurance company promptly. If the insurance company is not notified in time, it will also have a certain impact on subsequent claims settlement.

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