Go to claim center to determine responsibility process

1.

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

2.

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

3.

Contact the insurance

1. According to Article 76 of the road traffic safety law of the people's Republic of China, the liability for compensation shall be negotiated by itself or under the guidance of the insurance company's personnel who investigate and determine the loss

If there is no insurance claim, it can be negotiated and performed under the principle of equality and voluntariness

(1) after reporting the case to the insurance company, go to the nearest traffic accident quick claim center or the place designated by the insurance company for accident loss investigation, loss determination and claim settlement

(2) obtain the confirmation letter of traffic accident loss issued by the investigators after the accident loss survey

(3) fill in the insurance claim form according to the regulations, and according to the agreement with the insurance company, go to the quick claim center to handle the insurance claim with the relevant materials

extended data:

1. It is not suitable to evacuate from the scene in five cases of traffic accidents

2. Vehicles carrying explosives, flammable and explosive chemicals, toxic, radioactive, corrosive, infectious disease pathogens and other dangerous goods

3. The motor vehicle has no license plate, no inspection mark, no insurance mark, or the motor vehicle driver has no valid driving license

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5. The driver had drinking, taking psychotropic drugs or narcotic drugs controlled by the state and other immovable situations

The parties concerned should protect the scene and immediately report to the police:

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2. The parties have disputes about the facts or causes

3. The motor vehicle has no license plate, no inspection mark and no insurance mark

4. Vehicles carrying explosives, inflammable and explosive chemicals, toxic, radioactive, corrosive, infectious disease sources and other dangerous goods

4.

Insurance editor to help you answer, more questions can be answered online

reader anonymous: my friend Miss Zhang ran into an old lady at an intersection. After the accident, she called the police and sent her to the hospital before the police arrived. At the same time, she called her colleagues and asked them to come to help deal with the accident and drive the car back. As a result, they didn't understand what Miss Zhang meant and drove the car back when they arrived at the scene of the accident. The next day, when Miss Zhang reported to the insurance company about the claim of the third party liability insurance, the insurance company said that she would not pay compensation. Excuse me: how can miss Zhang get compensation from the insurance company? Lawyer Wang's reply: if Miss Zhang's car has a traffic accident in the process of using, which causes the third party to be injured, the insurance company shall bear the civil liability for compensation to the third party in accordance with the "measures for handling road traffic accidents" and the provisions of the insurance contract. However, the insurance company has the right to refuse compensation for the accident and escape of the insured vehicle according to the motor vehicle insurance terms. Although Miss Zhang left the scene of the accident, she did not deliberately escape. However, after the incident, she should go to the public security department immediately to report the incident, explain the course of the accident and ask for handling. In addition, Miss Zhang needs to bring the vehicle insurance policy and driver's license to the insurance company to report the accident in writing, fill in the report registration form, and get the certificate and notice of accident. Because her car was moved away from the scene before the traffic police arrived, when the police determine the responsibility for the accident, they will determine that she is fully responsible, that is, she will bear 100% of the losses that meet the requirements, and she will bear all the medical expenses of the injured and the repair expenses of the car, and then she can settle the claim to the insurance company according to the vehicle insurance contract. According to the provisions of the motor vehicle insurance terms, the dectible rate of the insurance company is 20% when it is fully responsible. Therefore, your friend can not get full compensation. The specific compensation formula is: the amount of compensation of the insurance company = the amount of compensation that should be paid x (1-dectible rate). Your friend can wait for insurance company to handle insurance claim by accident notice, accident certificate, vehicle repair order, vehicle repair invoice, diagnosis certificate of the injured, receipt of rescue and treatment and other expenses, traffic accident confirmation letter, mediation letter of traffic accident damage compensation and salary certificate of the injured. Wang Bulin, lawyer of Guangzhou Jinpeng law firm

5. Some
there are centers for Disease Control and prevention in any province, city or county, and as centers for Disease Control and prevention, they are qualified for the preliminary screening of AIDS. After that, there are Grade A hospitals at all levels, which are qualified for the preliminary screening laboratory as long as they pass the national acceptance
for free HIV screening, you must show your ID card, provide your contact information, and tell the waiting time according to the screening method. Generally speaking, you need to pay 10 yuan for free screening, that is, the cost of medical records, registration and needles. In fact, the so-called free test means that there is no charge for the reagent and test paper used in the test. And free testing is only available at the Centers for Disease Control and prevention
the primary screening laboratory of A-class hospital also has the same qualification, but as a non epidemic prevention department, it charges fees. According to the screening methods, the fees are about 120 yuan for the third generation enzyme immunoassay, 160 yuan for the fourth generation enzyme immunoassay, 60 yuan for the rapid test paper, 80 yuan for the rapid gelatin particle method, and 200 yuan for the registration. However, the hospital department requires patients to show their identification. CDC can also choose free of charge or at their own expense, at their own expense also do not need to proce documents
process: find the relevant doctor, write the test sheet, price, pay, draw blood at the blood collection place, and wait for the results according to the method. It's very simple
personal suggestion: go once every 6 weeks (you can be sure), if you are still not at ease, go once every 12 weeks (you can be completely at ease)
I wish you a healthy life.

6. Leverage token essentially corresponds to perpetual contract, which can also be understood as spot transaction for convenience.

7. This kind of app must pay attention to fluency, security and compliance. It's commonly used in huocoin. The app's operation experience is friendly and easy to operate, which is very suitable for novices.