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   During the Chinese New Year holiday, there are many people in the car and the accident is scary. Of course, no one wants to happen. However, once an accident occurs, the insured must not miss or ignore the claim because of impatience. Whether it is a vehicle, person or family property, you must learn to exercise the right to claim in a timely manner. This is not a Spring Festival, a rider is anxious to ask the small i claims process and precautions, what is said, in the way back to the city something out of the way.
  Xiao Yi feels that it is a little late to ask this time. When claiming, you must also understand the scope of the insurance, the claims process, etc., so that you can reduce claims disputes and achieve fast claims. You can be prepared to be free! Today, I will give you a detailed explanation of the child's business.
What can you do when you are in danger?
The insurance expert stated that during the validity period of the insurance contract, the insured's insurance accident within the scope of insurance liability shall notify the insurance company within 10 days from the date of occurrence of the insurance accident, otherwise the insured or the beneficiary shall bear the insurance due to the slowness of the notification. The investigation and survey expenses increased by the company, except for delay due to force majeure.
   How to insure it? What information to provide?
1, take a photo to leave evidence
The first time as much as possible to leave the scene of the accident or image data as evidence. The foreground, background, colliding position and scattered objects must be photographed, and a subtle map of the damaged part can be taken. Up to five pictures can explain the situation.
2, a variety of ways to report
In case of accidents, you can take home reports, telephone reports, entrust a business representative to report a case or report online.
The contents of the report should include: the name of the person reporting the case, contact telephone number, address, time, place, reason, type of insurance, insurance policy number, and name of the insured.
3, to have a proof of traffic police
Traffic police on the spot according to the statement of the parties, after the investigation of the accident to identify the accident and the division of responsibilities, if not controversial, fill out the "Civil Accident Responsibility Confirmation," the owner signed and confirmed.
4, fill out the insurance and confirm
Produce the three certificates and insurance documents. The claim adjusters completed the initial damage assessment on site, signed the verification claim documents, completed the “motor vehicle insurance outbreak/claims notice†and both parties signed and confirmed.
5, etc.
After the accident is confirmed, all parties' vehicles should immediately determine the loss at the on-site fixed loss point of the auto insurance claims service point, and fill out the “Confirmation Form for Motor Vehicle Injury Accident Damage Itemsâ€. If there is no dispute, the two parties will sign and confirm, and the claims adjuster will issue a task order to determine the maintenance items and repair time.
6. Claims and other settlements after repairs
Whether it is pre-repair or post-repair, in short, after repairing the car, all claim materials are brought to the insurance company's claims department for compensation. Then wait for the letter to claim compensation.
It's best not to go private
Returning home before the holiday, long holidays after the holiday, and high-speed explosions are common accidents happening in other places. However, how to deal with accidents and how to handle compensations is not clear to many owners. If the accident has not been handled by the local traffic police department, and the insurance company is not involved in the approved loss, the insurance company can not verify the accident liability and actual loss, the owner will not be paid.
Do not care about the issue of damage
There is no problem with the loss of the site, but if it is a big loss, the riders should negotiate with the insurance company to repair the factory after the inspection and detailed damage. If you find the internal injuries after you arrive at the repair factory, immediately stop the maintenance, inform the insurance company and the surveyor to the repair factory to re-determine the damage, and then start the vehicle maintenance.
After the damage can be repaired
When it does not affect the safety of driving, it can be “emergency†repaired. However, the insurance company should be asked to take a picture of the damaged vehicle and determine the damage before departure, otherwise the insurance company can not determine the risk of loss at the time.
However, if the accidental loss does not affect the safety of the vehicle and it does not cause the vehicle to increase losses, it can also be returned to the contractor for maintenance. However, the content of the damages on the rider's damages must be written carefully.
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