【Car owner's family car knowledge】Vehicle insurance is a very important means of dealing with risks in modern society, and it is one of the most important and effective methods and technologies in risk transfer, and it is also an indispensable means of economic compensation. In recent years, cars have gradually entered thousands of households, and some problems have occurred in auto insurance claims, leaving the shadow of "easy to insure and difficult to claim" in the hearts of car owners. In fact, there are skills in claim settlement. If you do more homework in advance, then the claim settlement will be much smoother and easier. Because there are many reasons for the difficulty of claim settlement, except for the factors of a few insurance companies, consumers' lack of understanding of insurance claims knowledge is also a very important reason. Today, the car owner's home tells you the tips to pay attention to when filing a claim.
Report must be timely
In March of this year, Mr. Hu accidentally hit the iron pipe on the roadside while driving, and the bumper of the car was damaged. When the surveyor determined the damage, he suddenly remembered the accident that the side door was scratched when he was out in July last year. , did not report the incident to the insurance company at the time, and he wanted to report the two accidents together this time. But two months later, the insurance company still did not help him deal with last year's claims, he was very puzzled. According to the reporter's understandi
【Car owner's family car knowledge】Vehicle insurance is a very important means of dealing with risks in modern society, and it is one of the most important and effective methods and technologies in risk transfer, and it is also an indispensable means of economic compensation. In recent years, cars have gradually entered thousands of households, and some problems have occurred in auto insurance claims, leaving the shadow of "easy to insure and difficult to claim" in the hearts of car owners. In fact, there are skills in claim settlement. If you do more homework in advance, then the claim settlement will be much smoother and easier. Because there are many reasons for the difficulty of claim settlement, except for the factors of a few insurance companies, consumers' lack of understanding of insurance claims knowledge is also a very important reason. Today, the car owner's home tells you the tips to pay attention to when filing a claim.
Report must be timely
In March of this year, Mr. Hu accidentally hit the iron pipe on the roadside while driving, and the bumper of the car was damaged. When the surveyor determined the damage, he suddenly remembered the accident that the side door was scratched when he was out in July last year. , did not report the incident to the insurance company at the time, and he wanted to report the two accidents together this time. But two months later, the insurance company still did not help him deal with last year's claims, he was very puzzled. According to the reporter's understanding, most insurance companies require the insured to report the case within 48 hours after the accident. The Provincial Insurance Industry Association said that at present, all insurance companies have provisions for auto insurance. After an insured accident occurs, the insured must notify the insurance company in time after the insured accident occurs. Otherwise, the insurance company will not be liable for compensation for the undetermined or expanded part of the loss, so the report must be timely. When reporting the case, you should confirm with the insurance company and keep a note of the certificates or documents that should be provided for the claim. Generally, in the case of the fast-tracking method of the accident, the driver's license and valid ID card of both parties to the accident, the driving license of the accident vehicle, the motor vehicle should be provided when making a claim. Accident expedited handling agreement, accident vehicle insurance policy and proof of vehicle loss.
Repair must be careful
Some car owners think that as long as the vehicle has a collision, they can get compensation from the insurance company, and they rush to the repair shop after the collision. This idea is wrong. If you don’t understand the auto insurance claims process and adopt the practice of repairing the car first and then determining the damage without authorization, the insurance company will lack an objective process of accident investigation and damage determination. Therefore, the owner must wait for the loss assessor to inspect the scene and present the authoritative loss assessment document before leaving the scene, so as to obtain a smooth claim settlement. The provincial insurance industry association stated that the car must be repaired after the damage has been determined. Before the insurance company confirms the loss of the vehicle, do not ask the insurance company to repair it by itself. The insurance contract generally stipulates, "The insured motor vehicle damaged by the insured accident shall be repaired as much as possible. Before the repair, the insured shall inspect and negotiate with the insurer to determine the repair items, methods and costs. Otherwise, the insurer has the right to re-examine; In case of re-assessment, the insurer has the right to refuse compensation."
Know more about claims
In the process of seeking traffic accident insurance compensation, many car owners often bring themselves a lot of trouble because they are not familiar with the handling process. The traffic accident insurance compensation process can generally be divided into four main parts: reporting, investigation, damage and price assessment, and submission of documents. In addition to routines, car owners should also understand some details. "First of all, it is recommended to handle insurance claims in person. If you really need to entrust an agent to handle claims on your behalf, try not to hand over the original ID card to others. At the same time, you should pay attention to the process of auto repair to ensure the quality of repairs." The provincial insurance industry association said . Secondly, you should pay attention to the compensation after the engine is damaged while driving in water, because the engine damage caused by driving in water or starting after the engine enters the water is not covered by the vehicle damage insurance. Consumers can purchase "engine water loss insurance" to obtain Compensation accordingly. Third, with the continuous improvement of vehicle maintenance costs and personal injury compensation standards, the low insurance amount can no longer meet the compensation needs. It is recommended that consumers purchase commercial third-party liability insurance with an insurance amount of more than 300,000 yuan, so that in the event of an accident more adequate protection can be obtained.
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