What are the small details of vehicle insurance claims?

The higher the penetration rate of individual cars is, the more the vehicle insurance for the additional consumption of vehicle security, the owners only know the purchase, and little is known about how to claim the compensation after the vehicle actually appears. This is a time when it can't be dealt with. Really can feel the "insured hot face, claims cold face" claims reality. Therefore, it is very important to understand the small details of the insurer's claims rules and avoid such claims. Here's a summary of some of the details of your vehicle insurance claims.

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First, most car insurance for the reporting of time-limited restrictions, the general provisions of timely reporting within 48 hours, otherwise the insurance company has a legitimate reason to refuse to claim compensation. If you are temporarily unable to open your body, you can entrust others to make claims on your behalf, but pay attention to the formal power of attorney. The company has a unified power of attorney template filled in with the template, and brings together the identity of both parties and proof of relationship.

Second, when the vehicle and the third party dispute the accident liability, they must not blindly take responsibility for the entire situation. It should be noted that for different accident liability levels, the insurance company's claims have different levels and may affect the subsequent premium. Moreover, it is impossible to negotiate the amount of compensation with a third party without contract or with the permission of the company. Such an approach will lead to more disputes of interest and increase the difficulty of claims.

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Third, the vehicle repair must not be pre-repaired after the report, otherwise it may lead to some self-paid car repair situation, but also to their own insurance integrity records left. The correct approach is to enter the repaired vehicle at the designated place according to the contract or the insurance company's explanation before entering the damaged repair process. None of them will choose according to the compensation standard for repair.

IV. When the insurance approval is qualified and the insurance company signs the compensation payment details, you should carefully check the number and the total number of each expense, check whether there are any missing items, and whether the amount is ambiguous. Correctly inform the insurance company of the correct payment method and check whether the funds have arrived. Have problems to communicate with the company at any time.

Understanding any details of the reminder is not afraid of tedious and patience of the claims attitude, hope that the majority of riders can actively understand the relevant vehicle insurance claims knowledge, open their green light for their claims.


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