China Pacific Property Insurance Co., Ltd. Changzhou Branch Traffic Accident Personal Injury Settlement Location

The procedures for handling traffic accident insurance are as follows:

1. Report the case

(1) After the accident, the customer reported the case to the claims department of the insurance company;

(2) After receiving the report, the background requires the customer to fill in the business accident registration form immediately (telephone and fax reports are filled in by the background);

(3) According to the insurance certificate or policy number provided by the customer, the back office immediately consults and copies the policy, and copies the policy, the policy copy and the schedule.

Check the premium charges, and the financial personnel shall sign the copy of the premium receipt (business and statistics) for confirmation (the special payment book shall be accompanied by an agreement or agreement);

(4) Confirm that the subject matter insured has been specially paid during the insurance period or before the accident, and ask the customer to fill in the Accident Filing Inquiry Form and file a case (such as the surveyor is responsible for asking the customer to fill it by telephone or fax), and fill in the filing number in the order of reporting;

(5) Issue claim documents. After filing the case, issue relevant claims documents to the insured to inform the procedures and methods of claims (telephone, fax, etc.). Are reported by inspectors);

(6) Notify the inspectors and report the loss and the location of the accident.

The above work will be completed within half a working day.

It is important to report the case in time.

If the insured vehicle has a road insurance accident, it shall immediately report it to the traffic management department where the accident occurred and call the insurance company to report it.

If the insured vehicle has an off-road (such as residential area) insurance accident, it should report it to the public security management department and the insurance company in time (within 48 hours).

In the event of an insurance accident involving personal injury in an insurance vehicle, the injured person should be rescued in time, and serious personal injury should be reported to the medical department, and the insurance company and the medical loss department should be consulted in time.

If the insured vehicle is stolen or robbed, report it to the local public security department immediately (except for force majeure factors) and report it to the insurance company, and then cooperate with the insurance company's claim adjuster to make records and conduct on-site investigation; Go to the newspaper to find a newspaper statement; Stop at the road maintenance fee inspection office; Reconnaissance by public security organs; If the stolen vehicle is recovered within three months, the insurance company will pay the repair fee caused by the theft. After three months, if the vehicle is not recovered, the insurance company will transfer the rights and interests. Submit claims to the insurance company and handle claims.

2. Reconnaissance and damage determination

(1) The inspector shall complete the on-site investigation and inspection within 1 working days after receiving the office notice from the insurance company (the inspection of the damaged subject matter in different places may be entrusted to the local insurance company to complete within 3 working days);

(2) Ask customers to provide relevant documents;

(3) Guide customers to fill in relevant claim documents.

Precautions:

In order to get to the scene of the accident as soon as possible, the insurance company has set up online damage assessment points all over the country, and will rush to the scene to investigate and assess the damage as soon as possible.

1. If on-site survey is needed to determine the damage, the insurance company will quickly send professionals to the site for investigation and treatment. The insured shall negotiate with the insurer to determine the repair items, methods and expenses.

2. There is no need to conduct on-site survey to determine the damage: drag the insured vehicle to a repair shop near the accident site. If the repair shop is the remote damage assessment point of the insurance company, it can directly assess the damage of the accident vehicle. No, you can contact the insurance company and send professionals to determine the damage.

3. If the insurance company fails to send loss assessment personnel to the loss assessment point within a limited time, the insured can negotiate with the insurance company and apply to the property loss assessment agency stationed at the point for loss assessment. The insurance company shall recognize the loss assessment of the loss assessment institution, but the insurance company has the right to conduct an inquest and investigation on the authenticity of the traffic accident.

4. If the parties disagree with the insurance company's verification of property losses, they may apply to the assessment agency for verification of property losses before the vehicle is repaired; If the party concerned still refuses to accept the assessment agency's assessment, it may request the agency at the next higher level of the assessment agency to re-approve; If an insurance company does not recognize the loss assessment or the re-approval of the assessment agency, it may apply for arbitration or bring a lawsuit to the people's court according to law.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.