Report insurance to the rapid processing center

1.

As long as there is no dispute on the determination of the accident liability between the two parties, for example, if one party obviously recognizes full responsibility for rear end collision, it is possible to move the car

aside without calling the police and sign a quick processing agreement directly, so as to deal with and compensate quickly

minor road traffic accidents refer to the traffic accidents between motor vehicles that do not involve casualties but only cause minor property losses. Slight property loss refers to the slight road traffic accident that causes the loss of single vehicle with compulsory traffic insurance less than 2000 yuan and commercial insurance less than 10000 yuan, and the vehicle can move by itself

one party of the traffic accident is unwilling to deal with the case, and the delay does not affect the handling of the case. The traffic management department of the public security organ shall make the confirmation letter of road traffic accident within 10 days from the date of on-site investigation. In the event of a fatal accident, the traffic management department of the public security organ should summon all parties to the scene, conct public investigation and obtain evidence before making the confirmation letter of road traffic accident. If the party concerned is not present, the traffic management department of the public security organ shall make a record

if the other party does not cooperate in handling the traffic accident, you can find the traffic police who is responsible for the traffic accident to handle it. First, you can issue a traffic accident confirmation letter, mail it to the party who caused the accident, and then go to the court to sue. After winning the lawsuit, you can apply to the court for enforcement. If negotiation is possible, if negotiation fails, a civil action shall be brought in time within the limitation of action (one year)

2.

Vehicle insurance fast claims, need to provide by the traffic police issued by the accident identification and vehicle damage repair invoice and claim application, as well as the driver's license, driving license, the insured's ID card, insurance policy can be insured

(1) original insurance policy, claim application, property loss list, technical appraisal certificate, accident report, ambulance expense invoice, necessary account books, documents and certificates of relevant departments

(2) other certificates and materials that can be provided by the applicant and the insured to confirm the nature, cause and degree of loss of the insured accident

(3) if the applicant and the insured fail to perform the obligation of providing documents as stipulated in the preceding paragraph, which makes it impossible for the insurer to verify the loss, the insurer shall not be liable for the part that cannot be verified

2. The most basic materials for vehicle insurance claim settlement are: claim application form, repair invoice, insurance loss order, original repair list of repair unit, driver's license and of driver's license

3. If the loss is relatively small and the insurance company has determined the loss at the scene, then the insurance company will come to the scene for investigation, provide complete information, settle the claim quickly, and provide nothing afterwards, and the insurance company will pay the claim directly to the insured within three days

extended data

automobile insurance claims involves a wide range of work, and the situation is relatively complex. In the process of compensation handling, especially in the process of vehicle accident investigation, we must put forward e requirements and adhere to certain principles

First, we should establish the guiding ideology of serving the insured and adhere to the principle of seeking truth from facts, which embodies the economic compensation function of insurance in the whole process of claim settlement. When an automobile insurance accident occurs, the insurer should try his best to avoid expanding the loss, minimize the impact caused by the disaster accident, timely arrange the repair of the accident vehicle, and ensure the basic recovery of the original technical performance of the vehicle, so that it can be put into proction and operation as soon as possible

In order to ensure the continuous proction and operation of transportation proction units (including indivial transportation households) and the stability of people's life, the compensation cases should be handled in time and the compensation should be paid

Second, abide by the contract, keep promise and act in accordance with the law. Therefore, when dealing with compensation cases, the insurer must strengthen the concept of legal system, act in strict accordance with the terms and conditions, pay for the compensation that should be paid, and pay enough according to the compensation standards and regulations; For the loss that does not fall within the scope of insurance liability, we should not make excessive compensation. At the same time, we should explain the truth to the insured. For the part of refusing compensation, we should stress facts and evidence

3.

Take ping an automobile insurance as an example: the claim settlement process can not be operated by other agents, and it needs to be handled by the applicant himself

vehicle insurance fast claim process

1. Call 95511 to report the accident

call 95511-9 to report the accident immediately after the accident, and the claim officer will arrange assistance according to the accident situation

2. Accident investigation

confirm accident insurance liability, loss situation and cost, and recommend loss repair scheme

3. Confirm the loss repair plan and select the repair method of the damaged property, including the selection of vehicle repair plant, etc; In line with the fast claim conditions, customers can go through the fast claim channel, which is completed in 4 steps

4. After the claim information is reviewed, the case is closed. Ping An through bank transfer, the compensation payment to complete the claim. Car owners who meet certain conditions can enjoy immediate payment of compensation

< H2 > extended information:

Ping'an has opened a fast compensation channel for car owners who meet the following conditions:

1. Pure car damage accident

2

3. The accident responsibility is clear, and the claim materials are effective and safe

4. The invoice and claim settlement materials agreed to be collected and submitted by Ping'an express compensation Co., Ltd

4. Take photos at the scene, inform the insurance company to report the accident, generate the accident number, take the photo
accident number to the claim center to issue the accident confirmation letter, then drive the car to the 4S store and inform the insurance company to fix the loss

5.

1、 Quick claim process
for minor accidents of both parties meeting the following three conditions at the same time, they can go to the quick claim center to handle accident claims
1. The accident did not cause casualties
2. The accident vehicle can still run normally
3. The loss of both parties' vehicles is less than 5000 yuan. The fast claim center is where all the insurance companies are and can provide one-stop service
owners of both sides can directly go to the nearest "fast claim center" to handle traffic accident handling, vehicle insurance claims and repair matters in one stop, or entrust other people to handle them, but they need to bring their driver's license, driving license and other information< Second, the claim process (on-site processing)
1. In case of an accident, it needs to be handled within 24 hours
2. Take photos, turn on the danger light, get off the car after ensuring safety, and take more than 4 photos with mobile phone. The scene photography should reflect the whole picture of the accident, road direction, vehicle driving state, vehicle number plate and vehicle loss, and it is better to clearly reflect the responsibility of the accident
3. In exchange of certificates, the owners check the driver's license, driver's license and insurance, exchange driver's license or attached pages of driver's license, leave each other's names and telephone numbers, and agree on the time and place of the express claim center Within 24 hours of the accident, both parties go to the quick claim center at the same time.)< Step 1: fill in the form (print the agreement sheet), fill in the form, and draw out the agreement sheet "agreement on self negotiation of the parties in minor traffic accidents". Both parties should take the ID card, driving license, original and plicate of the driver's license, original of the insurance contract and photos of the scene, Go to the front desk of the quick claim processing point to fill in the relevant information
Step 2: print the accident confirmation letter "motor vehicle insurance accident quick claim case handling sheet". After the police determine the responsibility, both parties can print the accident responsibility confirmation letter at the front desk and sign it
Step 3: the insurance company shall determine the loss and repair the accident, and go to the designated window of the insurance company for loss determination and claim settlement with the Accident Liability Certificate (each insurance company on site has a specially assigned person to accept)
Step 4: set the loss and seal. After the insurance company checks the car, the staff sign and seal the car inspection form
Step 5: the traffic police seal, the two parties to the traffic police designated area to show their certificates and photos, respectively state the process of the accident, the traffic police confirm the authenticity of the accident after the seal
5. Apply for claim settlement, the agreement on handling minor traffic accidents through negotiation by the parties themselves, the quick claim handling form for motor vehicle insurance accidents, copies of ID cards, driving licenses, original and plicate copies of driving licenses, and copies of insurance contracts of both parties, and apply for claim settlement
both parties shall negotiate the responsibility by themselves. If the responsibility is not clear, a contact form shall be issued in the quick claim center and the case shall be handled by the traffic police brigade in the place where the accident occurred
3. Special notes:
1. Traffic police need to seal
2. The fast claim center needs to pay the contract of compulsory insurance and commercial insurance. It is recommended to put both in the car
3. The fast claim center accepts the insured vehicles in Shaanxi Province
4. Within 24 hours after the accident
5. In case of traffic accident, you must consult the insurance company you underwrite
6. Check in advance whether the driver's license is within the validity period, whether the compulsory insurance is handled, and whether the car has been approved

How to buy insurance, which is better, hand in hand to teach you to avoid these "pits" of insurance

6. The claim settlement process of an insurance company is generally as follows: accident - Report - Investigation - loss assessment - price assessment - loss assessment - claim assessment - payment
accidents: accidents occur
reporting: general insurance companies require reporting within 48 hours of the incident
investigation: after reporting the case, the insurance company will send investigators to the scene for preliminary investigation to determine whether it belongs to the insurance liability, whether the trace is consistent and whether it is true
damage determination: according to the trace and degree of the damaged parts, the investigation will preliminarily determine the damage on site or directly go to the repair shop, 4S shop and damage determination center to determine the damage
price evaluation: some insurance companies will check the loss at a later stage to see if the price of the actual repair or replacement parts is reasonable
loss assessment: Based on survey and price assessment, a comprehensive conclusion of loss is given
claim verification: after passing the above steps, provide relevant documents (driver's license, driver's license, claim application, traffic police certificate, etc.) to the insurance company's counter. If the certificate is valid, the accident is real and belongs to the insurance liability, the case can be closed at the claim verification stage
payment: after the case is closed, you can get compensation from the insurance company.

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