What is the flow of traffic accident claims in commercial insurance?

1, put on file for investigation. After receiving the notice of danger, the insurer shall immediately send someone to conduct on-site investigation to understand the loss situation and the audit reasons of the original insurance claim, check the insurance policy and put on file for registration;

2. Audit certificates and materials;

3. Check the insurance liability;

4. Fulfill the obligation of compensation.

Can commercial insurance traffic accidents be reimbursed?

Commercial insurance can reimburse car accidents, so it is necessary to inform the insurance company in time to facilitate claims settlement. The claim criteria are as follows:

(1) If the insured and the insurer have an agreement on the insured value of the subject matter insured and it is stated in the contract, when the subject matter insured suffers losses, the agreed insured value shall be taken as the compensation calculation standard;

(2) If the insured and the insurer have not agreed on the insured value of the subject matter insured, when the subject matter insured suffers losses, the actual value of the subject matter insured at the time of the insured accident shall be taken as the compensation calculation standard;

(3) The insured amount shall not exceed the insured value. If it exceeds the insured value, the excess shall be invalid, and the insurer shall refund the corresponding insurance premium. If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation in proportion to the insured amount and the insured value.

Legal basis: Article 90 of the Regulations for the Implementation of the Road Traffic Safety Law.

The traffic administrative department of the public security organ shall determine the responsibility of the parties according to the role played by their actions in traffic accidents and the severity of their faults.