Is there a time limit for car repairs after filing an insurance claim?
1 Answers
Insurance companies have a time limit for damage assessment, requiring them to assess the damage within 48 hours. Otherwise, the repair invoice will be used as the basis. Precautions for car repairs: Whether it is within the warranty period: If the vehicle is within the warranty period at a 4S store, repairs should be done at the 4S store to ensure the user enjoys the warranty policy. If the vehicle exceeds the warranty period, repairs can be done at auto repair shops, which are cheaper than 4S stores with lower labor costs. Negotiate the price before repairs: 4S stores have fixed prices and no bargaining, while other repair shops allow price negotiations. Before repairs, clarify the parts to be repaired and the labor costs to avoid additional charges during the process. The coverage of car damage insurance should include: vehicle collision or overturning; fire or explosion; collapse of external objects, falling objects from the air, or parallel falling of the insured vehicle during operation; lightning, storms, tornadoes, heavy rain, floods, tsunamis, ground collapse, ice collapse, cliff collapse, avalanches, hail, mudslides, or landslides; loss of the insured vehicle due to natural disasters while being transported on a ferry. Legal basis: Article 60 of the 'Insurance Law of the People's Republic of China': If an insurance accident is caused by damage to the insured subject matter by a third party, the insurer shall, from the date of compensating the insured, subrogate the insured's right to claim compensation from the third party within the scope of the compensation amount. After the occurrence of the insurance accident mentioned in the preceding paragraph, if the insured has already obtained compensation from the third party, the insurer may deduct the amount already obtained by the insured from the third party when compensating the insured. The insurer's exercise of the right to claim compensation by subrogation in accordance with the first paragraph of this Article shall not affect the insured's right to claim compensation from the third party for the uncompensated part.
