The basic process of car owners in claims settlement:
(1) Show the insurance policy.
(2) Show your driving license.
(3) Show your driver's license.
(4) Show the insured ID 。
(5) Show the insurance policy.
(6) Fill in the accident report form.
(7) Fill in the accident process in detail.
(8) Fill in the reporter, driver and contact number in detail.
(9) Check the appearance of the vehicle and take photos to determine the damage.
(10) The claim adjuster leads the owner to conduct appearance inspection of the vehicle.
(11) Take photos and check the damage according to the report content filled in by the owner.
(12) The claim adjuster reminds the owner whether there are valuables on the vehicle.
(13) Deliver to the maintenance station for repair.
(14) The claim adjuster issues a task order to determine the maintenance items and time.
(15) The owner signs for approval.
(16) The owner will hand the vehicle over to the maintenance station for maintenance.
Timely communicate with the insurance company. The car owner actively assists the insurance company to complete necessary work such as vehicle survey, photography and loss assessment. Before the case is closed, the traffic management department should be informed of how much responsibility they should bear in the accident, the amount of loss and the compensation fees for the injured, and then ask the insurance company what can be compensated and what cannot be compensated, so as to minimize the loss. At the same time, when the car owner is looking for a rescue company to tow the car or a repair shop to repair the car, he should timely communicate with the insurance company about the price issue, so as to avoid that the price offered by the rescue company or repair shop is too different from the compensation price of the insurance company.
because traffic accident In the case of soft tissue injury, the traffic police department should first legally identify the accident responsibility, because according to the law, the compensation after injury is handled by the identification of accident responsibility. In addition, the insurance company should also go to the accident site to investigate at the first time, and make an explanation of insurance claims according to the investigation results. The parties should Disability compensation Reasonable settlement of claims.
