How long does Shanghai loss determination center have to go
Yes
the auto insurance clause usually stipulates that the insurance company should report to the insurance company within 48 hours after the accident, otherwise the insurance company has the right to refuse compensation. If someone else is entrusted to report the case on his behalf, the reporter should also bring his ID card and the power of attorney issued by the insured
if the insurance company does not send the loss determination personnel to the loss determination point for investigation and loss determination within the time limit, the insured can consult with the insurance company and apply for the loss determination by the property damage assessment agency stationed in the site. The insurance company shall recognize the loss determination of the assessment agency, but the insurance company has the right to inspect and investigate the authenticity of the traffic accident
Through the auto safety network early warning system under development, PICC will not only realize remote auto fault diagnosis and early warning, and provide users with the help of safe driving, but also truly realize the four step integration of "core loss determination" tool, and automatically dispatch helicopters to rescue people, rescue vehicles, rescue vehicles, rescue vehicles according to the types of accidents automatically identified and judged Valet service users can directly send parts purchase orders to PICC financial service driving and installation platform and provide maintenance work orders to maintenance enterprises. At that time, auto insurance claims will fully realize the "intelligent + data + professional" accurate loss determinationafter the auto insurance report, you need to determine the loss according to the size of the case. If it's a unilateral accident, it doesn't involve a third party, and it's just a small scratch or scratch, the loss determination is very fast, and it can be done in an hour. You can also apply for online self-service claims
If a third party is involved, the time may be much longer, because both parties need to negotiate, and the insurance of both parties also need to negotiate with each other to survey and determine the loss, but generally it will not exceed 48 hours (excluding special circumstances)
we will accompany you to travel safely!
normally, after the vehicle is out of danger, the insured should inform the insurance company in time, and then the insurance company will come to the scene to take photos. Then, if it is not the main responsibility, you can go to the 4S shop designated by the insurance company to repair the car. The cost of the repair is directly paid by the insurance company, and then the insurance company will recover from the main responsible party. However, if it's a new car and it's not very serious, if it can be solved privately with the troublemaker, it's recommended not to report the insurance. Because if there is an accident, the premium for the second year's auto insurance will increase, and there is no 3-year zero accident rate discount.
name of Undertaker: Shanghai Greenland automobile service (Group) Co., Ltd.
service telephone: 54962999
service time: 8:30 a.m. - 22:00 p.m.
address: 183 Chuanchang Road, Xuhui District, Shanghai
take the insured with the driver The process of loss determination is generally divided into:
claim settlement process: accident - Report - Investigation - loss determination - price assessment - loss assessment - claim assessment - payment
danger: accident
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.
It will take about one day to audit the loss of auto insurance
to fix the loss of automobile insurance, you can go to the price bureau to fix the loss and then sue the insurance company with the loss order of the price bureau. If the loss order of the insurance company has not come down, you can call their customer service hotline to complain and reflect the situation, so that they can receive the specific time given by the investigators who handle the case
the procere of determining the loss of the price bureau is different in each province, but it will not be too different. If mediation or litigation is involved, the traffic police team and the court will determine that the price bureau's evaluation is the only evidence
extended information:
motor vehicle insurance generally includes compulsory insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. Basic insurance includes vehicle loss insurance and third party liability insurance, vehicle theft and rescue insurance (theft and rescue insurance), vehicle personnel liability insurance (driver liability insurance and passenger liability insurance)
additional risks include single glass breakage risk, scratch risk, spontaneous combustion loss risk, wading risk, no fault liability insurance, vehicle cargo falling liability insurance, vehicle stop loss insurance, new equipment loss insurance, non dectible special contract insurance, etc
glass single Breakage Risk, spontaneous combustion loss risk and new equipment loss risk are all additional risks of body loss risk. These additional risks can only be insured after the automobile loss risk is well protected
automobile liability insurance, no fault liability insurance, automobile carrying goods liability insurance, etc. These are additional risks of the third party liability. After the ability of the risk, the third party liability insurance must be taken to take these additional risks; Each risk can be insured independently without dectible
Compulsory insurance of traffic accident liability is the first compulsory insurance system in China
make strong insurance is insured by the insurance company, which is within the liability limit of compulsory liability insurance for casualties, property losses and compensation caused by motor vehicle proction road traffic accidents
compulsory insurance can be turned in under the following six circumstances: the insured motor vehicle is deregistered according to law; The insured motor vehicle stops driving; The insured motor vehicle has been confirmed lost by the public security organ
the applicant has applied for compulsory delivery insurance for many times; Reselling, transferring or donating the insured motor vehicle to a place other than the place where the motor vehicle is registered; If a new car is withdrawn by the Seller e to quality problems or relevant technical parameters not conforming to national regulations, the competent department shall not allow it to be turned over
Insurance editor to help you answer, more questions can be answered online
1. Ask the insurance company for a second Review
2. Pay for the car and leave by yourself
3. Fight a lawsuit
4. Ask the 4S to coordinate
if the surveyors didn't immediately inform you that the scene might be fake, they let you repair the car at the 4S, that is to admit the compensation by default. A lawsuit is the best solution, but first of all, make sure that your scene is real
There is a time limit for insurance reporting, which is 48 hours according to the insurance law
the state has no hard and fast rules on the time for the insurance company to determine the loss. If a traffic accident occurs and the two parties can not solve it through negotiation, they should inform the traffic police to deal with it, report the insurance to the insurance company at the same time, and then go to determine the loss. It is also different from indivial cases
insurance companies have a unified standard for determining the loss of automobiles. The repair cost of 4S shops is definitely higher than that of insurance companies. The claim can only be settled according to the loss determined by insurance companies. Moreover, insurance companies will not settle the claim if they go to a repair shop to repair their automobiles without the consent of insurance companies
extended data:
the process of determining the loss of accident vehicles is as follows:
1. After a traffic accident occurs, the first time to call the police, the traffic police determine the responsibility for the accident, and the vehicles and articles in the accident are handed over to the traffic police department for unified management
No matter which city or time the accident happened, the insurance company must be informed. After receiving the notice, the insurance company will timely send the surveyors to carry out the on-site investigation. The investigation personnel will divide the responsibilities according to the accident scene and determine the payment proportion of compensation. It is worth reminding that all parties should be present when determining the damage of the accident vehicle3. After all the work is finished, the accident vehicle can be sent to the repair shop for maintenance. Generally, the result of vehicle damage assessment in road traffic accident will come out within 7 working days after the accident
4. According to the maintenance invoice provided by the owner, plus the loss order, the insurance company will make corresponding compensation
network auto insurance loss determination
There is a time limit for the insurance company to determine the loss. The insurance company is required to determine the loss within 48 hours. Otherwise, the invoice of the repair list shall prevail
after the vehicle is out of danger, the insured should inform the insurance company in time, and then the insurance company will come to the scene to take photos. Then, if it is not the main responsibility, you can go to the 4S shop designated by the insurance company to repair the car, and the cost of the repair is directly paid by the insurance company, and then the insurance company will recover from the main responsible party
notes on auto insurance claims
1. The insurance company requires to report the accident within 48 hours
2 It is not the right process to repair the car before settling the claim.
4. There is a limited scope without dectible.
extended data: claim process of vehicle insurance. 1. After the accident, the customer reports to the claim Department of the insurance company 2. After the internal service receives the report, the customer is required to fill in the business accident registration form (Tel According to the insurance certificate or insurance policy number provided by the customer, the internal service shall immediately check and the of the insurance policy, the of the insurance policy and the attached table. 4. Confirm that the subject matter of the insurance shall pay the special fee within the validity period of the insurance or before the accident, and require the customer to fill in the inquiry form for the accident filing (such as telephone, fax, etc.), The inspection personnel shall be responsible for requiring the customer to fill in the claim form, and prepare the filing number according to the order of reporting the case 5, and issue the claim documents. After the case is filed, relevant claim documents shall be issued to the insured, and the claim proceres and methods shall be informed (telephone, fax, etc. shall be reported by the inspector) 6. The inspector shall be informed to report the loss and the place of accident The inspection personnel shall complete the on-site investigation and inspection within 1 working day after receiving the notice from the internal service of the insurance company (the inspection of the damaged object in other places can be completed by the local insurance company within 3 working days) 2. Require the customer to provide relevant documents 3. Guide the customer to fill in relevant claim documents 3. Sign and review claim documents 1. Business department The in-house staff of each insurance branch company shall review the claim documents submitted by the customer, and return the incomplete documents to the customer after explaining to the customer that they need to be supplemented. The claims with complete documents shall be submitted in the "accident report (claim) & quot After signing in plicate, return the yellow to the insured 2. After sorting out the claim documents and the information kept, hand them over to the claim section of the property insurance department 4. Calculation Review the operator of the claim section will check after receiving the information from the internal staff, and sign in the delivery book if the documents are complete 2) All claims must be settled within 3 working days and submitted to the person in charge of the claims department for review. 5. Approval. 1. The claims within the authority of the property insurance department shall be submitted to the manager of the main management department for approval. 2. The claims beyond the authority of the property insurance department shall be reported level by level, Submit the claim receipt and calculation sheet to the financial department for transfer 2. After confirming the claim, the financial department will take back the rest except the red sheet of the claim receipt and calculation sheet