When traveling during the Spring Festival or driving normally, sometimes cars will have some collisions. For people, car insurance has become one of the insurances that car owners must buy, but what are the standards and scope of car accident insurance? As a car owner, do you know? The five major claims settlement techniques for car accidents will teach you how to minimize your car insurance losses.

Skills ① Timely reporting is the most important

Yang Yong reminded that if a road traffic accident unfortunately occurs, the driver should stop immediately, protect the scene, rescue the injured and property, and quickly report the case to the public security and traffic control department , and notify the insurance company. After the accident is handled, you can bring all the relevant documents with you to claim for compensation from the insurance company. If a vehicle is stolen or robbed or other non-road traffic accidents occur, you should promptly report the case to the traffic police department and notify the insurance company at the same time.

Yang Yong said that if a traffic accident occurs, you should report it to the insurance company that underwrites the vehicle within 24 hours. According to reports, the methods of reporting include telephone reporting, online reporting, reporting to insurance companies, and claims adjusters relaying reports.

However, when a vehicle hits a wall, or hits a step, concrete pillar, tree, etc. and an accident occurs, you do not need to report the case to the traffic police and other departments, but directly to the insurance company.

Car Collision

Tip ② "Pay the bill" for minor damages

Yang Yong told reporters that after reporting the accident to the insurance company, Don’t forget to collect proof and materials related to the nature, cause, extent of loss, etc. of the insured accident. This information is very critical for future claims settlement. When car owners are looking for a rescue company to tow or a repair shop to repair their car, they should also communicate with the car insurance company in a timely manner to prevent the price offered by the other party from being too different from the car insurance company's compensation amount.

He reminded readers that the losses caused by some minor accidents can be borne by themselves, because due to no or fewer claims records, they can enjoy low-rate discounts when renewing their insurance next year. For example, Pacific Insurance stipulates: After the insured vehicle has been in accident three times, the insurance company will increase the deductible rate by 5% for each additional insured accident starting from the fourth accident within one year. The maximum deductible increase is 15%.

Tips ③ Pay careful attention to the claim process

Yang Yong introduced that after an accident, there is a set of procedures for handling claims: first, after reporting the accident, carefully fill in the "Motor Vehicle Insurance Insurance/Claim Notice" and signed. The second step is to promptly inform the insurance company of the location of the damaged vehicle so that the vehicle can be inspected and assessed for damage. The third is to provide documents and vouchers for property losses. Fourth, after the vehicle is repaired and the accident is settled, the information required for handling insurance claims is required.

As for the documents provided to the insurance company, they include the insurance policy, the accident notice, the insured vehicle accident certificate, the liability determination letter, the invoices and lists of related repair costs and rescue costs, and the list of third parties involved. If the driver suffers property damage or casualties, they must provide an accident mediation letter and relevant expense documents. The insurance company will also require a copy of the driver's driving license and ID card.

Tips 4: How to collect claims

According to Yang Yong, usually the time limit for hearing a claim case from filing to closing is 10 days, except in some cases. For example, the applicant fails to report the case in time or fails to fulfill the burden of proof, the relevant appraisal certificate or certificate is not provided in time, the case handling conclusion is disputed between the insured or beneficiary and the insurance company, etc.

When going to the insurance company to collect the claim insurance money, the car owner must present the payment notice and his or her ID card. After verification, the car owner can collect it. If there are special reasons that prevent me from coming to collect the money in person, I can also entrust someone else to collect it on my behalf. However, a power of attorney signed and approved by the car owner with clear authorization and identification certificates of both parties must be submitted to the insurance company.

Car insurance claims

Tips 5: Don’t keep it private when traveling in a different place

Yang Yong told reporters that when driving out, small bumps and bruises of less than one thousand yuan will often occur. , if the problem is not serious, you can first call the insurance company to register, and then drive the car to a repair shop for repairs after returning to your local area. If a major traffic accident occurs, you must first protect the scene and immediately report the incident to the local public security and traffic management department. At the same time, get in touch with the local insurance company and notify the insurance company by phone within 48 hours, stating the policy number, time of the accident, and Where, why and how.

When an accident occurs in another place, the car owner should go to a repair shop recommended by the local insurance company to repair the vehicle as much as possible without knowing the local repair prices. After an accident, try not to choose private insurance. After private insurance, there is no proof of loss assessment from the insurance company. If there is a problem and you make a claim, it will be difficult to get compensation.

Notes: Issues that must be sorted out after an accident

1. Medical expenses: Calculated according to the hospital’s necessary expenses for trauma treatment of the client, and paid accordingly.

Car accident

2. Lost work allowance: If the party concerned has a fixed income, the calculation shall be based on the fixed income reduced due to missed work. If the income is more than three times higher than the local average living expenses, the compensation shall be calculated according to the fixed income. 3 times the calculation; if there is no fixed income, the calculation shall be based on the average income of the local state-owned industry.

3. Hospitalization food subsidy: calculated according to the business trip food subsidy standards for local state agency staff.

4. Nursing expenses: During the period when the injured person is hospitalized, if the nursing staff has income, it will be calculated according to the regulations on lost wages; if there is no income, it will be calculated according to the local average living expenses.

5. Living allowance for the disabled: calculated based on the disability level and the local average living cost. Compensation will be given for 20 years starting from the month of disability.

6. Disability equipment fee: If it is necessary to prepare equipment with compensating functions due to disability, the cost of universal equipment will be calculated based on the hospital certificate.

7. Funeral expenses: Pay according to local funeral expenses standards.

8. Death compensation: calculated based on the local average living cost, and will be compensated for 10 years. For those under 16 years old, the age will be reduced by 1 year for every 1 year younger; for those over 70 years old, the age will be reduced by 1 year for every 1 year older, with the minimum being no less than 5 years.

9. Living expenses for dependents: Calculated in accordance with local residents’ living difficulties subsidy standards, and those under the age of 16 will be raised until they are 16 years old. Provide support for those who are unable to work for 20 years.

10. Transportation expenses: Calculated according to the actual necessary expenses of the parties concerned, and paid by receipt.