The car is presumed to be a total loss. What materials do I need to submit when requesting compensation from the insurance company?

Car insurance claim materials

1. No one was injured in the bicycle accident and no property was damaged

If the amount is less than 3,000, you only need to provide the maintenance invoice, driver's license, driving license, ID card, and bank account number; if the amount exceeds 3,000 yuan, you also need to provide a traffic police accident certificate (some insurance companies can quickly handle small-amount cases and may not need to provide invoices)

2. Double or multi-party accidents, If no one is injured, or if there is a unilateral accident, there is property damage

A traffic police accident certificate, maintenance invoices or property damage invoices from both parties, driver's license, driving license, ID card, and bank account number are required (for both parties' accidents, Some simple cases below 3,000 require a self-negotiation letter)

3. Injury cases

In addition to the traffic police accident certificate, maintenance invoices or property damage invoices from both parties, driver's license, In addition to driving license, ID card, and bank account number, you also need to provide the injured’s medical records, invoices, hospitalization lists, diagnosis certificates, inspection reports, salary lists, tax payment certificates, etc.

Extended information:

1. Accident

1. After the accident, the customer reports the case to the claims department of the insurance company

2. After receiving the report, the back office requires the customer Immediately fill in the "Business Accident Registration Form" with the accident situation (telephone, fax and other reports will be filled in by the back office)

3. The back office will immediately check the copy of the policy and copy the policy based on the insurance certificate or policy number provided by the customer; Make copies of the policy, copy of the policy and schedules. Check the premium charging situation and have the financial staff confirm the signature on the copy of the premium receipt (business and statistics page) (special payment must be accompanied by an agreement or agreement)

4. Confirm that the insurance subject matter is within the validity period of the insurance If you make a special payment within the city or before the accident, the customer is required to fill in the "Disaster Filing Inquiry Form" to file the case (such as reporting by phone, fax, etc., the inspector is responsible for asking the customer to fill it out), and write the filing number according to the order of the report

5. Issue claim documents.

After the case is filed, relevant claim documents will be issued to the insured, and the claim procedures and methods will be informed (reporting by phone, fax, etc. will be the responsibility of the inspector)

6. Notify the inspector to report the loss and the location of the accident

2. Inspection and damage assessment

1. The inspectors shall complete the on-site investigation and inspection within 1 working day after receiving the notification from the insurance company’s back office (inspection of damaged objects in other places, You can entrust a local insurance company to complete it within 3 working days)

2. Request the customer to provide relevant documents

3. Guide the customer to fill in the relevant claim documents

1. The internal staff of the sales department and each insurance branch company review the claim documents submitted by the customers, and explain to the customers if the procedures are incomplete and need to be supplemented After the documents are returned to the customer, for a claim with complete documents, the accident report (claim) form (two copies) should be signed and the yellow copy should be returned to the insured

2. Request for accompanying documents After sorting out the certificates and stored information, the Compensation and Claims Division of the Property and Casualty Insurance Department

IV. Adjustment Review

1. The person in charge of the Compensation and Claims Division receives the information submitted by the back office After verification, all documents and procedures must be completed and signed on the handover book

2. All claims must be settled within 3 working days and submitted to the person in charge of the Compensation Department for review

5. Approval

1. Compensation cases within the authority of the Property and Casualty Insurance Department are submitted to the manager in charge of claims management for approval

2. Reports that exceed the authority of the Property and Casualty Insurance Department are reported step by step

6. Compensation Completion

1. The person in charge of the Claims Verification and Compensation Department will hand over the compensation case number that has completed the approval process, the compensation receipt and calculation sheet to the financial transfer

2. After the compensation is confirmed, except for the red copy of the payment receipt and calculation form, the rest will be retrieved

Baidu Encyclopedia - Car Insurance Claims

Baidu Encyclopedia - Car Insurance and Claims