What are the procedures for determining vehicle traffic accident losses?
1. After a traffic accident, call the police as soon as possible, and the traffic police will identify the responsibility for the accident. Vehicles and articles with traffic accidents will be handed over to the traffic police department for unified custody;
2, after the accident, notify the insurance company. After receiving the notice, the insurance company will send surveyors to conduct on-site survey in time. Surveyors will divide responsibilities according to the scene of the accident and determine the proportion of claims. All interested parties shall attend the accident vehicle damage assessment;
After all the work is completed, the accident vehicle can be sent to the repair shop for maintenance. Under normal circumstances, the results of vehicle damage assessment in road traffic accidents will come out within 7 working days after the accident;
According to the maintenance invoice provided by the owner and the loss list, the insurance company will make corresponding compensation.
Legal basis: Article 23 of People's Republic of China (PRC) Insurance Law.
The insurer shall, after receiving the request of the insured or beneficiary for compensation or payment of insurance benefits, give it timely approval; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification result; For the insured, the obligation to compensate or pay insurance money shall be fulfilled within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the time limit for compensation or payment of insurance benefits, the insurer shall perform the obligation of compensation or payment of insurance benefits as agreed. If the insurer fails to fulfill the obligations stipulated in the preceding paragraph in time, it shall compensate the insured or beneficiary for the losses incurred therefrom in addition to paying the insurance money. No unit or individual may illegally interfere with the insurer's obligation to pay insurance money, and may not restrict the right of the insured or beneficiary to obtain insurance money.