What is the process of car insurance claims?
1 Answers
Car insurance claims process: 1. Report the incident, the insurance company requires reporting within 48 hours of the incident, including notifying the police and calling the insurance company's claims hotline; 2. On-site handling, in some cases, to avoid obstructing traffic, the vehicle can be moved after marking the tire positions; 3. Submit a claim request, when the insurance company's surveyor arrives at the accident scene, the car owner can submit a claim request and wait for the survey; 4. Cooperate with the insurance company's accident survey, after reporting, the insurance company will send a surveyor to conduct a preliminary on-site survey to determine if it falls under insurance liability, if confirmed, the process will proceed to the next step; 5. Case closure, based on the damage location, traces, and extent of the survey, a preliminary on-site damage assessment will be made, or the vehicle will be taken directly to a repair shop, 4S store, or assessment center for damage assessment; 6. Submit claim documents, the party involved submits all required documents for the claim to the insurance company, which then reviews the authenticity and completeness of the submitted documents; 7. Claim review, if the submitted claim documents are authentic and complete, the insurance company will accurately calculate the insurance compensation and conduct internal review of the claim case; 8. Receive compensation, the insurance company will pay the compensation according to the agreed payment method and the terms of the insurance contract.
