Unconsciously, I have been engaged in insurance claims for four years. After graduating from a bachelor’s degree in 2003, I worked in the Toyota plant for 1.5 years and engaged in this business. From this business, I have indeed gained a lot of knowledge and let me see the society. In miniature, no matter what, I am still the original me. As the so-called clearer is self-cleaning, I have summarized some common claims settlement practices for your reference, so that everyone knows what to do in case of an accident.
1. Carry a motor vehicle insurance card (commonly known as a small card) with the vehicle, which contains important information such as the insurance policy number, vehicle model number, etc. In case of an accident, you must contact the insurance company directly at least once. When calling the insurance company’s hotline, you need to provide basic information such as the insurance policy number, time, location, and nature of the accident.
2. Carry a digital camera or a mobile phone with camera function with you. In this way, you can take photos of the accident scene as evidence as soon as possible, which is the most effective for fast-handled cases and can reduce a lot of disputes over accident responsibility. (Photographs should be taken from eight different angles: front, rear, left, right, left front, right front, left rear, right rear, and a close-up photo of the collision part (even if there is no Damage should also be taken), and material damage also follows this method: from the overall perspective to the partial close-up. As long as this step is done, it will greatly reduce the subsequent claims procedures.
3. Report the case in time. In addition to reporting a traffic accident to the traffic control department, car owners must remember to report to the insurance company that insures the vehicle in time (general insurance companies require that the report be reported within 48 hours after the vehicle is in danger).carWhen you are out of danger, you should also report the case to the company where the insurance is insured (that is, call wherever you buy the insurance), and wait for the traffic police department and the insurance company to assess the damage.
4. After the accident, even if it is obvious that you are solely responsible, and the other party is not injured, do not ask for compensation, and you cannot let the other party go first. You must wait until the traffic police arrives and issue a quick handling letter before letting him go. If the other party If you have to go, you can tell him that the "Provisions on Procedures for Handling Traffic Accidents" stipulate that if the party's escape causes scene changes and loss of evidence, and the traffic management department of the public security organ is unable to verify the facts of the traffic accident, the party who escapes shall bear full responsibility. You must also write down his license plate first. Otherwise, the traffic police cannot determine the existence of a third party, and he may not make any determination of the accident or the other party's full responsibility, which will cause an irreversible dilemma for your future claims-refusal or deductions.
5. Timely communication. When the car owner is looking for a rescue company tow truck or a repair shop to repair the car, he must communicate with the auto insurance company in time about the price. You must pay the money and get the invoice at the same time with the insurance company's consent. In order to avoid that the price offered by the other party is too far from the compensation amount of the auto insurance company, the insurance company will use "this clause" and "the law" to reduce their compensation. This is the price of "bullying the weak with the strong." So communicate more and ask more about everything.
6. "Small bumps and scratches" must be reported first. Many car owners often think that some small paint peelings and small collisions do not affect the appearance of their car. Anyway, tomorrow, the day after tomorrow, and the day after tomorrow, they may also be scratched, so they can simply report to the insurance company to fix it all at once. That's it. In fact, this idea is wrong, because the insurance company receives your report once, he will record your accident this time. As for the seven or eight minor accidents that you may have occurred before, he will not be responsible, and the accidents are all There is a time limit (the general insurance company is 48 hours, if the time expires, the insured must bring the original ID card to the insurance company to make up the case, which is more time-consuming), so when you have a minor accident, you can first report to the insurance company, but Don't need to fix the damage and repair the car first. This is the case every time. When you feel that the scratches affect the appearance of your car, you can only fix the damage and repair the car at one time. This is good for you and the insurance company, and it will not cause conflicts.
Pacific Automotive Network
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