How to Report an Insurance Claim After an Accident?
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Contact your insurance agent, call the insurance company's customer service hotline, apply for an electronic policy manager, and contact me when a claim occurs, or have a dedicated claims specialist connected through the electronic policy manager handle it for you. Principles of Insurance Compensation: The economic compensation function is the foundation of the insurance industry, best reflecting its characteristics and core competitiveness. This is specifically manifested in two aspects: Compensation in Property Insurance: Insurance provides compensation for actual losses within the validity period of the insurance, the scope of liability stipulated in the insurance contract, and the insured amount when specific disasters or accidents occur. This compensation ensures that the actual losses of existing social wealth due to disasters or accidents are compensated in value and restored in use value, thereby maintaining the continuity of social reproduction processes. This compensation includes not only the economic losses suffered by the insured due to natural disasters or accidents but also the economic compensation for the insured's legal liability to third parties, as well as compensation for economic losses caused by breaches of contract in commercial credit. Life Insurance Payouts: The insured amount in life insurance is determined through negotiation between the policyholder and the insured, based on the insured's needs for life insurance and the policyholder's payment ability, within the bounds permitted by law.