The settlement of an injury claim in auto insurance requires the signatures of both parties. This is generally required because the injured person’s signature means that the value of the claim is true and that the perpetrator has fulfilled his obligation to settle the claim. First of all, compensation for personal injuries caused by traffic accidents must first have an accident liability determination letter issued by the traffic police department, which is the beginning of all basis for compensation liability. Responsibilities will be borne according to the proportion of the traffic police team's responsibilities.

Legal Analysis

If you have insurance, contact the insurance company as soon as possible. Secondly, for personal injuries caused by traffic accidents, the main scope of compensation includes medical expenses, hospitalization expenses, nursing expenses, nutrition expenses, lost work expenses, one-time disability benefits, mental damage compensation, etc. The disability level appraisal is conducted by a specialized appraisal agency. Third, after the disability level is determined, various compensation responsibilities are determined based on the local average salary of employees in the previous year, as well as the victim’s age and household registration. Traffic accident injury claims procedures (1) Register customer information (2) Inquiry. 1. Ask the other party whether he is a customer, whether he has reported a traffic accident, and whether the insurance company has investigated and determined the damage. 2. Ask the customer whether to settle the claim at other counters. 3. Ask the customer whether there is any damage to the vehicle and whether the vehicle repairs have been completed. Only after the vehicle damage has been determined and the repairs completed can any injuries be dealt with. 4. Ask the customer whether the injured person has completed treatment. Compensation can only be settled after treatment is completed. 5. Ask the client whether he is the defendant himself. If he is an agent, he must provide relevant authorization. (3) Fill in the documents. Ask the customer to fill in the necessary documents (claim application form, compensation notice, note that the signature or seal of the defendant is required for agency claims) (4) Print the copy. Verify the insurance policy, print the report record copy and vehicle loss confirmation form, and let the customer calculate the amount of various expenses by himself. (5) Receipt.

Legal Basis

"Road Traffic Safety Law of the People's Republic of China" Article 76 If a traffic accident involving a motor vehicle causes personal casualties or property losses, the insurance company shall Compensation shall be made within the liability limit of the compulsory third-party liability insurance for motor vehicles; the remaining part shall be liable for compensation in accordance with the following provisions: (1) If a traffic accident occurs between motor vehicles, the party at fault shall bear the liability for compensation; both parties shall bear the liability for compensation. Those who are at fault shall share the liability in proportion to their respective faults. (2) If a traffic accident occurs between a motor vehicle and a non-motor vehicle driver or pedestrian, and the non-motor vehicle driver or pedestrian is not at fault, the motor vehicle party shall bear the liability for compensation; there is evidence to prove that the non-motor vehicle driver or pedestrian is at fault. If the motor vehicle party is not at fault, the liability of the motor vehicle party shall be appropriately reduced according to the degree of fault; if the motor vehicle party is not at fault, the liability for compensation shall not exceed 10%. The loss of a traffic accident is caused by a non-motor vehicle driver or pedestrian intentionally colliding with a motor vehicle, and the motor vehicle party is not liable for compensation.