The fault claim of automobile insurance refers to a form of insurance that claims the responsible party for the accident when the vehicle has a traffic accident. This paper will carry on the in-depth analysis from the definition of fault claim, claim process, claim standard and so on.
Definition of fault claim
Fault claim refers to a kind of insurance form that claims the responsible party for the accident when the vehicle has a traffic accident. The insurance liability of fault claim is mainly for vehicle damage and personal injury and other aspects of compensation.
Claim process for fault claims
The claim process for fault claims consists of the following steps:
Report a case to the police
When the vehicle has a traffic accident, the owner needs to report it in time. The way of reporting can be on-site reporting, telephone reporting or network reporting.
Claim application
The owner needs to file a claim with the insurance company after reporting the case. Claim application needs to provide relevant certification materials, such as traffic accident liability confirmation, vehicle loss list, hospital diagnosis certificate and other aspects of the certification materials.
Claims review
The insurance company will review the owner’s claim. The content of the audit includes the identification of accident liability, the calculation of compensation amount, etc.
Claim payment
When the insurance company is approved, the claim will be paid. The amount paid in the claim mainly includes the cost of vehicle repair, personal injury compensation and other expenses.
Claim criteria for fault claims
The claim standard of fault claim includes the following aspects:
Vehicle damage
Vehicle loss mainly refers to the repair costs of vehicles after traffic accidents. Car owners can apply for compensation for vehicle damage to the insurance company, and the insurance company will pay compensation according to the loss of the vehicle.
Personal injury or death
Personal injury mainly refers to the loss of personal injury caused by traffic accidents. The owner can apply for personal injury compensation to the insurance company, and the insurance company will compensate according to the situation of personal injury and death.
Third party liability
Third party liability mainly refers to the third party property losses and personal casualties caused by traffic accidents. The owner needs to apply for third party liability compensation from the insurance company, and the insurance company will compensate the third party according to the loss situation.
Conclusion
Fault claim refers to a kind of insurance form that claims the responsible party for the accident when the vehicle has a traffic accident. The claim process of fault claim includes reporting, claim application, claim review and claim payment. The claim standard of fault claim mainly includes the compensation of vehicle loss, personal injury and death and third party liability. When buying auto insurance, owners need to understand the relevant contents of fault claims, so that they can make claims in time when the vehicle has a traffic accident. At the same time, the owner also needs to abide by the traffic rules and avoid the occurrence of traffic accidents in order to better protect the safety of themselves and others.
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