Auto insurance refers to a kind of insurance purchased by the owner, mainly in order to get compensation from the insurance company when the vehicle has an accident, theft, natural disaster and other unexpected situations. Among them, personal accident refers to the vehicle traffic accident or other unexpected circumstances, resulting in injury or death of the vehicle. This paper will conduct in-depth analysis from the definition of personal accident on car insurance, liability identification, claim settlement process and other aspects.
Definition of personal accident
A personal accident is a vehicle accident or other unexpected situation that results in injury or death to the occupants of the vehicle. The injury range of personal accident includes light injury, serious injury and death. In the case of personal accidents, the owner and the insurance company need to identify and settle the liability according to the specific circumstances.
Identification of responsibility
In the case of personal accidents, the owner and the insurance company need to identify the liability according to the specific circumstances. The identification of liability mainly includes the identification of accident liability and the identification of liability proportion.
Identification of accident liability
Accident liability identification refers to the process of car owners and insurance companies judging the responsible party according to the situation of traffic accidents. According to the provisions of the Road Traffic Safety Law, traffic accident liability is divided into four situations: full responsibility, main responsibility, equal responsibility and no responsibility.
If the owner of the car is fully responsible for the accident, the insurance company will pay full compensation for the injuries of the people in the car. If the owner of the car is primarily responsible for the accident, the insurance company will pay partial compensation for the injuries of the people in the car. If the owner and the other party are equally liable in a traffic accident, the insurance company will bear a certain percentage of the compensation liability for the injuries of the people on the car. If the owner is not responsible for the accident, the insurance company will not be liable for any compensation.
Identification of proportion of responsibility
The identification of liability ratio refers to the division of liability ratio between the owner and the insurance company for the injury of the vehicle personnel according to the identification result of accident liability. The division of the proportion of liability is mainly judged according to the fault degree of the owner and the other party in the traffic accident. If the owner of the car is fully responsible for the accident, the insurance company will pay full compensation for the injuries of the people in the car. If the owner and the other party are equally liable in a traffic accident, the insurance company will bear a certain percentage of the compensation liability for the injuries of the people on the car.
Claim settlement process
In the case of a personal accident, the owner and the insurance company need to settle the claim in accordance with the claims process. The claims settlement process mainly includes reporting, investigation, loss determination, compensation and settlement.
Report a case to the police
After a personal accident, the owner needs to report to the insurance company in time. When reporting the case, it is necessary to provide the identity information of the owner, vehicle information, accident situation and other relevant information.
reconnaissance
After receiving the report, the insurance company will send inspectors to the scene to investigate. The surveyor will investigate the accident site and make a preliminary judgment on the responsibility for the accident.
Loss assessment
Loss assessment refers to the process by which insurance companies assess vehicle damage and personal injury and determine the amount of compensation. Based on the survey report provided by the surveyor, the damage assessment officer will assess the vehicle damage and personal injury and determine the amount of compensation.
indemnity
Compensation refers to the process by which the insurance company compensates the owner according to the compensation amount determined by the loss assessor. The insurance company will provide the corresponding compensation amount to the owner according to the actual situation of the owner.
Settle a case
Closing the case refers to the process of closing the claim case after the insurance company completes the payment. After the conclusion of the case, the insurance company will conduct a satisfaction survey on the owners in order to continuously improve the quality of service.
Conclusion
A personal accident is a vehicle accident or other unexpected situation that results in injury or death to the occupants of the vehicle. In the case of personal accidents, the owner and the insurance company need to identify and settle the liability according to the specific circumstances. The identification of liability mainly includes the identification of accident liability and the identification of liability proportion. The claims settlement process mainly includes reporting, investigation, loss determination, compensation and settlement. Owners need to understand the relevant knowledge of personal accidents, so that they can report and settle claims in time after an accident.
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