It has been snowing recently, so I'm afraid of an accident. What should I do in case of an accident? I am a customer of Ping An Auto Insurance. What should I do?

The first thing to do after the accident is to report the case to their respective insurance companies and traffic management departments in time, and inform the insurance companies of the location of the damaged vehicles so as to investigate and determine the damage of the vehicles. On the one hand, let the insurance company know that the insured has a traffic accident, on the other hand, you can ask the insurance company how to handle and protect the scene, and the insurance company will teach the riders how to ask the other party for the accident certificate.

2. Test the traffic police card

Show your driving license, driver's license and ID card, and the on-site traffic police will fill out the traffic accident confirmation. On-site traffic police make accident identification and responsibility division after investigating the accident according to the statements of all parties. If there is no dispute, fill in the traffic accident responsibility confirmation and the owner will sign for confirmation.

Step 3 fill out the insurance policy

Show the above-mentioned three certificates and insurance documents, the adjuster will complete the preliminary damage assessment on-site investigation, sign and review the claim documents, fill out the Notice of Motor Vehicle Insurance Accident/Claim, and both parties will sign for confirmation.

4. The adjuster examines the loss.

After the accident is confirmed, the vehicles of all parties shall immediately go to the site of the auto insurance claim service point to determine the damage, and fill in the Confirmation Form of Motor Vehicle Insurance Accident Vehicle Damage Items. If there is no dispute, both parties will sign for confirmation, and the claim adjuster will issue a task list to determine the maintenance items and maintenance time.

Send it to the repair shop for repair.

If you repair an accident car in a repair shop recommended by an insurance company, after the repair, you can submit the claim materials to the repair shop, and issue a power of attorney to the repair shop to claim compensation from the insurance company, and then pay part of the repair fee that should be paid (such as the insurance company's compensation-free part), and you can directly pick up the car. If you choose a repair shop to repair your car, you have to pay the repair fee to the repair shop first, and then take all the claim materials to the claim department of the insurance company to make a claim.

6. The insurance company will pay after the audit.

Information required for handling insurance claims after vehicle maintenance and accident handling are closed:

(1) Original and photocopy of motor vehicle insurance policy and approval form;

(2) motor vehicle insurance accident/claim notice;

(3) Copies of relevant driving licenses, driving licenses and ID cards;

(4) Original documents such as relevant compensation receipts and auto repair invoices.

(5) Responsibility determination of road traffic accidents

Special instructions:

(1) After an insurance accident occurs, the police station or traffic police force shall be notified within 24 hours at the latest, and the insurance company shall be notified within 48 hours.

(2) Some car owners have to go to the insurance company to pay for even a little scratch. Doing so will not only waste time, but also increase your risk rate, so the insurance discount you get in the coming year will be very small. It is suggested that car owners can "reconcile" with little loss.

(3) If someone hits you, if you can't find a third party, you must protect the scene and notify the insurance company.

(4) Communicate with the insurance company on the price issue in time to avoid the difference between the quotation of the rescue company or the repair shop and the compensation price of the insurance company.

(5) For the loss of vehicles not found at the time of damage assessment, the insurance company shall be informed in time, and the insurance company shall conduct a second survey to determine the damage.

(6) After the vehicle is repaired, the repair quality must be checked before paying the repair fee and going through the formalities of picking up the car.

(7) If the insured fails to file a claim with the insurance company within 3 months from the date of closing the case, or fails to receive the claim within 1 year from the date when the insurance company informs him to receive the claim, it shall be deemed as an automatic waiver of rights and interests.

Case 1

Ms. Liu's Chang 'an is running in the community. When she picked up the car, she found that the front bumper had been wiped over a large area and the perpetrator had fled. How to claim compensation from the insurance company?

The correct way is to require the residential property to issue a vehicle collision certificate, detailing the collision location, vehicle damage degree, collision occurrence time and the escape of the third party at that time, and report the case to the insurance company within 48 hours;

Special reminder: this situation belongs to the escape of a third party. The owner needs the residential property to issue a certificate that the vehicle was smashed, and bring a driver's license, driving license and insurance card to claim compensation from the insurance company; For accidents with clear responsibilities and complete procedures, the maintenance party can think that the insured pays the maintenance fee in advance and make direct compensation.

Conceptual analysis: direct compensation means that the maintenance cost of the vehicle is paid directly by the insurance company and the maintenance party. The insured can drive the vehicle away without paying the maintenance cost, but only after paying all relevant materials.

Case 2

Mr. Cheng was driving normally, and a young cyclist broke into the motorway, causing the headlights of the vehicle to break, the bumper to rub, and the young man was slightly injured in the leg. How to report insurance claims?

The correct way first of all, the owner should not look at the loss of the cyclist and his car in panic; Then, confirm the responsibility for the accident. If the cyclist or pedestrian is fully responsible, the responsible party should be responsible for compensation, and the insurance company has no obligation to compensate;

Special reminder: due to different responsibilities in accidents, insurance companies have different liability for compensation. If the owner is fully responsible, the insurance company is responsible for compensation. If it is the responsibility of pedestrians, the insurance company is not responsible for compensation.

If it is a traffic accident between vehicles and the amount of claims is huge, the insurance company sometimes requires both parties to go to the insurance company to reproduce the scene of the accident.

Case 3

When the vehicle is driving, the front windshield is shattered by flying stones, resulting in the glass being broken alone. How to claim compensation from the insurance company?

The correct way is to find out whether the car was damaged by the car and whether the glass was broken. If this is car damage insurance, the insurance company has the obligation to pay, and the owner can report the case to the insurance company. If the glass is broken alone, some insurance companies can't compensate unless the owner of the car has a separate insurance policy for the broken glass.

Special reminder: car owners must pay attention to the terms and insurance items when insuring. Some types of insurance include a fixed amount of insurance, while others need to be insured separately. Don't wait until the accident to find out that they are not insured. After all, a windshield is a lot of money.

Case 4

Will the insurance company pay for the flat tire when the vehicle is driving?

The correct way first of all, the car mainly checks whether the puncture has caused damage to other parts of the car. If there is any damage, the insurance company will pay for the damage according to the car damage; If a puncture causes damage to the tire and rim respectively, the insurance company will not compensate.

Special reminder: If a traffic accident caused by a flat tire collides with other vehicles, resulting in the loss of other vehicles, the insurance company will make claims according to the accident liability identification of the car accident and the third party liability insurance involved in the car accident claims.

Case 5

Mr. Sun ran in Chang 'an, stopped at the residential area and was dented by falling objects. How does he claim compensation from the insurance company?

Correctly speaking, this situation belongs to the "edge ball" that can be compensated or not. The owner of the vehicle must either go to the meteorological department to issue a certificate of the meteorological conditions of that day, or take the weather forecast of that day's newspaper as a certificate, indicating that the meteorological conditions of that day led to falling objects at high altitude, or prove that the falling objects were caused by themselves, and the person responsible for the accident was the insured, so the insurance company can compensate for the car damage.

Case 6

If the vehicle is stolen and the insured is at fault, for example, if the insured loses his driving license and spare key, how can he claim compensation from the insurance company?

The correct method After a car accident, you should report it to the public security criminal investigation department where the accident occurred within 24 hours and notify the insurance company.

Special note: it is stipulated in the vehicle theft rescue that the insured is absolutely exempt from compensation if he loses his driving license, the original invoice for car purchase and the certificate that the vehicle purchase tax surcharge is increased by 0.5%; Lost car keys will increase by 5%, and these regulations are reflected in the insurance policy. The insured should read the terms carefully.

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