After paying for traffic accidents, you need to sign relevant agreements. The two sides of the accident did not ask for an agreement, but they needed to sign a compensation agreement with the insurance company. The general procedures for traffic accident claims are: reporting a case, determining responsibility and determining damage (some casualties need medical invoices or judicial expertise, etc.). ), sign a compensation agreement, insurance compensation. Generally speaking, small scratches can be solved in the fast center.
Traffic accident claim process:
1. Simple accident: the insurance company will directly send surveyors to take photos to determine the damage.
2. Cases with no casualties in traffic accidents between both parties: handled by the quick claims center.
The rapid processing center is responsible for determining the amount of loss, and it is not necessary to issue a traffic police team accident certificate; According to the standard site damage assessment, complete the survey and damage assessment at one time; The price released by the fast claims center has been recognized and recognized by various insurance companies.
Generally speaking, small scraping accidents can be solved in the fast center, and the accidents that are handled quickly must meet the following conditions: getting out of danger within the coverage of the fast center; Both cars are underwritten by local insurance companies, and it must be an accident in which motor vehicles collided with motor vehicles; Does not involve personal injury; The accident loss is small, and both parties can move by themselves; The responsibilities of both parties are clear; Both parties need to bring driver's license, driving license, compulsory insurance policy or logo to the express center.
3. Traffic accident casualties or accidents that cannot be handled by the rapid center: need to report to the police.
After this accident is reported to the police, the insurance company's survey and loss assessment personnel will survey and determine the loss amount for you. In the case of personal injury, we need to remind everyone that the injured person needs to provide medical expense receipt, medical record, copy of the injured person's ID card, medical diagnosis certificate, salary certificate, accompanying certificate, etc. In order to avoid being unable to get compensation from the insurance company because of incomplete information.
Compensation after a traffic accident shall be determined by both parties according to the actual losses caused. Generally speaking, the losses caused can be compensated by insurance companies without violating relevant laws. The specific appraisal shall be subject to the appraisal of insurance companies and judicial organs. It should be noted that the purpose of signing the compensation agreement is also to clarify the related issues of compensation.
Legal basis:
Provisions on procedures for handling road traffic accidents
Article 21
If the parties reach an agreement through self-negotiation, they shall make and sign a self-negotiation agreement on road traffic accidents. The self-negotiation agreement on road traffic accidents shall specify the time, place, weather, name of the parties, driver's license number or ID number, contact information, motor vehicle type and license plate number, insurance company, insurance certificate number, accident form, collision location, responsibilities of the parties, etc.
Article 22
If the parties reach an agreement through negotiation, they can pay the road traffic accident compensation in the following ways:
(a) compensation by the parties themselves;
(two) to claim compensation for losses from the insured insurance company or the road traffic accident insurance claim service place.
If the parties still fail to perform after reaching an agreement through consultation, they may apply to the People's Mediation Committee for mediation or bring a civil lawsuit to the People's Court.