1. When the owner reissues the policy, the insured only needs to bring his original ID card and driving license to the designated outlets of the insurance company to collect the policy. If it is entrusted to a third party, the relevant entrustment documents and the original ID card of the client shall also be prepared. Auto insurance experts suggest that there are two kinds of auto insurance policies, compulsory insurance and commercial insurance. Considering the needs of annual inspection and vehicle inspection, the owner can get the original policy when he reissues the compulsory insurance; When commercial auto insurance is reissued, the insurance company only gives a copy of the policy.
2. Claims settlement procedures
Different insurance companies will have different claims procedures, but most of the basic steps are the same. The basic process includes: reporting the case, surveying and determining the damage, signing and reviewing the claims, adjusting and auditing, and approving and closing the case.
A. Report the case promptly
The auto insurance clause usually stipulates that the accident should be reported to the insurance company within 48 hours, otherwise the insurance company has the right to refuse compensation. If someone else is entrusted to report the case, the informant shall also carry his ID card and the power of attorney issued by the insured.
B. Fixation damage repair
Before the insurance company repairs all the losses of the vehicle caused by the insurance accident, it must carry out damage assessment (damage assessment can be carried out in the repair shop or 4S shop designated by the insurance company, or in the factory and shop qualified for damage assessment, but all three parties must be present), so as to verify the loss items and amount; Damaged vehicles can only be repaired after the damage is determined; Compensation for personal or property damage to a third party must also be recognized by the insurance company, and the relevant evidence and amount can be used to settle the claim.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.