Auto insurance claims have always been a nuisance, because there are more and more insurance companies on the market and the classification of insurance is more and more extensive. Not only that, but also the terms of claims of each insurance company are different, so sometimes it will inevitably bring some inconvenience to the owners. Now let us take a look at the insurance claims which precautions?
1, report to the time. Because each insurance company's terms are different, and some insurance companies even have some time restrictions on the label, so the owner of the accident in the event of a traffic accident is the best time to report the case. Because of the vagueness of the insurance companies' announcements, it is often the case that vehicle owners frequently report overtime and are denied restitution. If there is really an urgent need to go out, it is better to report the case within 48 hours, then to clarify the time, place, specific location of the damage, as well as explain the reason for leaving the site, and that the scene can be resumed at any time. This is the safest practice when the owner can't wait for the insurance company personnel to investigate the scene. In short, regardless of when and where the vehicle owner came out of danger, he first called the insurance company to report the case and avoid the trouble of being rejected.
2. Before the auto insurance claims are settled, the owner of the vehicle should prepare the information required to make claims, for example, the original of the policy during the validity period; a copy of the ID card of the insured; a copy of the driving license of the insured vehicle that passes the annual inspection; driving in the event of an accident A copy of the person's driver's license, and this driver's license must pass the annual review and be determined to be within the quasi-drive range. If it belongs to a road traffic accident, the accident certificate issued by the traffic control department shall be provided; if it belongs to a non-road traffic accident, the corresponding accident certificate shall be provided; the list of losses resulting from the accident and the related expense documents shall be provided. In addition, if there are any injuries, medical records and medication lists issued by hospitals at or above the county level must be provided.
3, claims to be timely. When the car is repaired and the information is fully prepared, the owners should claim it in time. Because the duration of insurance claims is relatively long, the information needed is also cumbersome and indispensable. Therefore, in order to ensure the completeness of the data, it is best to make a timely claim. In order to avoid data loss, unable to claim. If there is really no time, you can give all the information and bank accounts to the insurance salesman instead of claims, and then transfer the money directly to the owner's account.
The above is a note about insurance claims. Although the procedures for insurance claims are more complicated, the current insurance claims procedure can be handled by insurance salesmen. Therefore, the owner only needs to cooperate with the insurance salesman.
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