If the insurance company can't arrive at the scene in time, it can negotiate with the accident investigator or loss adjuster of the insurance company according to the traffic police's accident handling form to ensure timely handling.
After reporting the case to the relevant institutions, the insured shall prepare the original policy within the validity period, the insured's identity card, the insured vehicle driving license that has passed the annual inspection, the driver's driving license at the time of the accident, the accident certificate issued by the traffic control department, the list of losses caused by the accident, and relevant expense documents.
Then wait for the insurance company to determine the loss; Then submit the claim documents within 10 days; Finally, the insurance company will inform you to collect the compensation.
Extended data:
(a) the parties themselves to deal with traffic accidents
In the following traffic accidents, the parties concerned should leave the scene first, and then negotiate damages by themselves.
1. Property damage accidents occur between motor vehicles and between motor vehicles and non-motor vehicles, and the parties concerned have no dispute over the facts and reasons.
2. Non-motor vehicles and non-motor vehicles or pedestrians have property loss accidents, and the basic facts and reasons are clear.
If the parties reach an agreement through consultation, they shall fill in the Agreement on Compensation for Road Traffic Accidents and sign it together. The contents of the damage compensation agreement include time, place, weather, name of the parties, motor vehicle driver's license number, contact information, motor vehicle type and number plate, insurance certificate number, accident form, collision location, liability for compensation, etc.
(two) the traffic police apply summary procedures to deal with road traffic accidents.
1. Personnel handling accidents
If the summary procedure is applied, it can be handled by the traffic police.
2. On-site disposal
When the traffic police apply summary procedures to deal with road traffic accidents, they shall, after fixing the evidence at the scene, order the parties concerned to evacuate the scene and resume traffic. Refused to leave the scene and was forced to evacuate; If the parties are unable to move the vehicle by themselves, the traffic police shall move the vehicle to a place that does not hinder traffic.
3. Traffic accident identification
After leaving the scene, the traffic police shall identify and record the time, place, weather, name of the party concerned, motor vehicle driver's license number, contact information, motor vehicle type and license plate, insurance certificate number, traffic accident form and collision location. According to the fixed evidence at the scene and the statements of the parties and witnesses.
And according to the role of the behavior of the parties in the road traffic accident and the severity of the fault, determine the responsibility of the parties, make a road traffic accident confirmation, signed by the parties.
4. Compensation mediation
If the parties * * * request mediation, the traffic police shall conduct mediation on the spot, and record the mediation results in the Confirmation of Road Traffic Accidents, which shall be signed and delivered by the parties.
In any of the following circumstances, mediation is not applicable, and the traffic police can deliver the Letter of Confirmation of Road Traffic Accidents to the parties after stating the relevant information in the Letter:
(1) The parties have objections to the identification of road traffic accidents;
(2) the parties refused to sign the road traffic accident certificate;
(3) The parties do not agree to mediation.
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