During the Spring Festival, many riders will choose to travel by car. At this time, there will be a lot of traffic on the road, and the rate of car accidents will be greatly increased. What should we do if we have an accident outside?
We all know that the Spring Festival holiday is the time when there is a shortage of personnel. Many claims adjusters and traffic police cannot arrive in time, and some are even unable to make it due to traffic jams. Taking my previous experience and sharing of friends as an example, let’s take a look. In the case of special handling, the conventional off-site risk-taking process is attached at the end. This article is absolutely practical.
1. The traffic police are not in place, and the claims adjuster must have the accident manual
I have encountered a situation where the claims adjuster decided that the accident specification must be used to make the claim, but the traffic police felt that the accident was too small and was busy, so they did not come. In this case, either the claims adjuster would directly call the traffic police, or Just explain the situation to the claims adjuster, most of which will be paid, or if you don’t pay, you will directly call the head office to make a complaint.
2. The claims adjuster is not on-site.
Because some insurance companies are on holiday, and there are few people, and there may be accidents in some remote areas, they can’t come. At this time, let the claims adjuster tell you how to do it, and then solve it by yourself. Most of them are photos taken. The claims adjuster will do.
3. The responsibilities of both parties are entangled
If a minor accident occurs in this situation, try to negotiate with both parties yourself, and don't use traffic police. If the accident causes both parties to lose less than 2,000 yuan, if both parties have complete insurance and both have the responsibility for the accident, it is recommended that the responsibility be divided rationally. Both parties can be recognized as half of the responsibility, and the mutual collision self-compensation procedure can be adopted. The reasons are as follows:
1. Under the circumstance that both parties are responsible, the insurance companies of both parties will be used to take out the insurance no matter what, the five-fifth responsibility is to compensate each other and save the claims process with the other party's insurance company.
2. As long as there is an accident, whether it is full responsibility or almost full responsibility, the premium for the second year changes according to the number of times, not according to the liability, so mutual compensation is the easiest way to reduce unnecessary trouble.
3. If the responsibilities are entangled, it must be that both parties have the problem of driving illegally. If you have to open an accident certificate, the traffic police will punish and deduct points for any violation, even until the responsibility is unclear. Dealing with car detention is not just as simple as insurance.
4. The traffic police are also very busy during the long holiday of the Spring Festival. There may be no time to deal with minor accidents. If they are always pulling responsibility, the traffic police will not manage it.
Note * If it is a serious accident, the traffic police must come forward to determine the responsibility. The following is a more conventional process for emergence of risks in remote locations.
Conventional process for remote risk exposure
1. Report the case as soon as possible
First of all, in the event of an accident, if there is a casualty, first dial 120 for first aid, then dial 110 to report to the police, and then dial the report number on the insurance policy to report the case to the insured insurance company.
2. Shoot the scene immediately after the call
After making the phone call, he must immediately take pictures of the accident scene and keep the evidence.
3. Determine the compensation method based on the accident liability
1. Unilateral independent accident: After the claim adjuster is in place, negotiate how to make compensation and whether an accident certificate is required.
2. Accidents of both parties: After the claim adjusters of both parties are in place, negotiate how to clarify the responsibilities. If the responsibilities are not clear, ask the traffic police to issue an accident liability confirmation.
Four, negotiate the repair location
Local maintenance: If the repair is done locally, the insurance company will take you to the designated repair location to fix the damage. If the vehicle cannot be opened, the insurance company will arrange the trailer to be towed to the repair shop to determine the damage.
Local maintenance: You can call the report directly to the repair location after you go back. Because the insurance company has a record of the report, the local indemnity personnel will be arranged to conduct the damage assessment of the vehicle.
5. Reimbursement of claims expenses with invoices
There are three types of reimbursement:
1. If the local car repair is reimbursed on the spot, all the bills will be directly given to the geographic compensation officer.
2. Local reimbursement for local car repairs. After returning to the local area, call the insurance company, and then send the invoice to the insurance company to be reimbursed smoothly.
3. The local car repairer will directly contact the local compensation officer for reimbursement.
Precautions
1. If there is no serious problem. Try to choose to go back to local repairs, because you are afraid of encountering black spots repairers. If the repairs are incomplete or have dark problems, the follow-up will be very troublesome.
2. Most insurance companies include free trailers, but the mileage is limited, so if you need tow trucks, be sure to ask about the free trailer category.
3. For accidents that can be solved privately, try not to go into danger or use traffic police. The process is very cumbersome, especially during the Chinese New Year.
4. In the reimbursement process, be sure to ask whether it is necessary to advance the payment and where the invoice is reimbursed.
5. Do not return to the local for repairs without reporting the case, otherwise the insurance company will deal with the case beyond the reporting period, and no compensation will be granted.
Summarize
If you encounter an accident in another place, don’t panic. In fact, the handling process is similar to that of a local accident, but there are some differences between local and local repairs, but it is not troublesome to deal with. Of course, if you encounter special circumstances, please be rational and patient. Everyone What special circumstances have you encountered in the process of taking risks in remote places? You can share them so that everyone can share their experiences.
