Auto insurance comprehensive claims refers to the insurance company when the vehicle suffered losses or accidents, according to the terms of the auto insurance to the owner of a comprehensive compensation. This article will conduct an in-depth analysis from the aspects of insurance definition, claims process, claims cases, claims precautions, etc., so that owners can better understand the comprehensive claims of auto insurance.
Insurance definition
Auto insurance comprehensive claims refers to the insurance company when the vehicle suffered losses or accidents, according to the terms of the auto insurance to the owner of a comprehensive compensation. Auto insurance comprehensive claims usually include vehicle damage insurance, third party liability insurance, vehicle personnel liability insurance and other insurance compensation.
Claim settlement process
The auto insurance comprehensive claim process usually includes the following steps:
1. Report: The owner needs to report to the insurance company in time when an accident or vehicle loss occurs, and provide relevant evidence and materials.
2. Claim investigation: The insurance company will investigate the accident or vehicle damage to confirm the accident liability and compensation amount.
3. Compensation negotiation: The insurance company will conduct compensation negotiation with the owner to determine the compensation amount and compensation method.
4. Compensation payment: The insurance company will pay according to the negotiated compensation amount and compensation method.
Claim case
The following is the specific process of a claim case:
1. Report: The owner immediately reports to the insurance company after the accident, and provides relevant evidence and materials.
2. Claim investigation: The insurance company investigates the accident and confirms the liability and compensation amount of the accident. The results of the investigation showed that the owner was 30 percent responsible for the crash, and the compensation amount was 100,000 yuan.
3. Compensation negotiation: the insurance company conducts compensation negotiation with the owner, the owner agrees to bear 30% of the compensation liability, the insurance company adjusts the compensation amount to 70,000 yuan, and pays the compensation amount in two times according to the requirements of the owner.
4. Compensation payment: The insurance company paid in accordance with the negotiated compensation amount and compensation method, and the owner received 70,000 yuan of compensation.
Notes on claims settlement
1. Insurance terms: When purchasing auto insurance, the owner needs to carefully read the insurance terms and understand the content of insurance liability, insurance amount, deductible, compensation scope and so on.
2. Insurance company selection: When choosing an insurance company, the owner needs to understand the reputation and service quality of the insurance company, so as not to get timely compensation in the event of an accident.
3. Insurance purchase: Owners need to purchase appropriate auto insurance according to their actual conditions, so as not to get adequate compensation in the event of an accident.
4. Accident report: The owner needs to report the accident or vehicle loss to the insurance company in a timely manner, and provide relevant evidence and materials.
5. Claim negotiation: The owner needs to negotiate with the insurance company to determine the amount of compensation and the method of compensation.
6. Compensation payment: The insurance company will pay in accordance with the negotiated compensation amount and compensation method, and the owner needs to receive the compensation payment in time.
Conclusion
Auto insurance comprehensive claim is a way for the insurance company to make comprehensive compensation to the owner of the vehicle according to the terms of the auto insurance when the vehicle suffers losses or accidents. Auto insurance comprehensive claims usually include vehicle damage insurance, third party liability insurance, vehicle personnel liability insurance and other insurance compensation. In the event of an accident or vehicle loss, the owner needs to report to the insurance company in a timely manner and provide relevant evidence and materials. The insurance company will investigate the accident or vehicle damage, confirm the accident liability and compensation amount, and negotiate compensation with the owner. Finally, the insurance company pays in accordance with the negotiated compensation amount and compensation method. When buying auto insurance, owners need to pay attention to insurance clauses, insurance company selection, insurance purchase, accident reporting, claims negotiation and compensation payment.
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