1、 ? report a case

When there is a traffic accident in a different place, don't panic, save the scene, and then call 122 to call the police and ask for the accident responsibility handling form issued by the police, so that the insurance company can claim compensation. In addition, the owner needs to call 955 18 to report the accident within 48 hours, and provide the accident information to the insurance company in time, and the insurance company will arrange the surveyors to assist in the handling on the spot in time.

It should be noted here that if the owner fails to report the case in time and cannot provide supporting documents when claiming, the claim will be in trouble. If it is convenient to choose a private one, the owner may not be able to handle insurance claims normally.

2、 ? Assess/decide on damage or loss (usually compensation)

After reporting the case, the owner waits for the surveyor to rush to the scene of the accident to check or go to the damage center to determine the damage. There are two ways to determine the loss: near the scene of the accident and at the place where the policy is returned. If there are no special circumstances, the damage can generally be determined on site, and the insurance branch in the dangerous place can directly complete the survey and damage determination.

It is very important to determine the damage of the accident in different places, and it is suggested to do it directly by the local branch of the insurance company. If you choose to return to the place where the policy is located, you need to obtain the consent of the insurance company, and you should keep the accident liability handling form and other relevant documents. If the accident losses are large, the investigation must be completed locally.

3、 ? Claim?

How to pay for remote insurance? Regarding the claim, complete information is the key. China People's Insurance Company provides nationwide compensation services. You can apply for compensation locally or go back to the place covered by the insurance policy. However, it should be noted that after the owner returns to the insured place, he can claim compensation from the branch with the claim materials. However, if the owner is in urgent need of this compensation, he can also apply for compensation at a dangerous place.

Claims data: vehicle driving license, driver's license, insured's identity card, claim application, accident-related certificates (such as traffic police accident certificate, etc.). ), accident vehicle damage list, vehicle maintenance invoice, rescue fee invoice. If the materials are complete, payment shall be made within 10 days after submission. Personal injury and material loss 1 10,000 yuan, the fastest payment within 1 hour.

Note: According to different compensation items, the information required is different. The insured can communicate with the insurance company to confirm the specific information to be submitted.

Extended data:

How to deal with accidents in different places?

If there is a minor traffic accident in a different place, such as a scratch or a collision without injury, you can choose reconciliation to save each other's time. When a serious accident occurs, you should take photos for evidence collection at the first time, including the accident panorama, damage, driver's license of the other party, etc. After taking photos, report the case to the insurance company within 48 hours, so that the insurance company can understand and judge the vehicle and the damage situation at the first time. If you can't identify the party responsible for the accident, you can ask the traffic police for help and determine the responsible party with their help.

Many friends don't stay in one place for too long when they go out, so try to get the proof of the accident itself before leaving the local area, consult the insurance company for precautions, and keep the contact information of relevant responsible persons and institutions.

Under what circumstances will no compensation be paid?

Many new drivers don't know that the following situations are not covered by compensation:

◆ settle down.

If you choose to settle, the insurance company is not sure about the cause, responsibility and car damage of the accident, so it is not included in the compensation;

◆ Destroy the scene

Many novice car owners are in a hurry after a car accident, and it is easy to destroy the scene of the accident and lose their favorable situation. Because insurance companies can't get specific and clear information (this situation is similar to individual claims), this kind of behavior is not compensated.

◆ Unauthorized maintenance

After the car accident, many car owners will choose to repair their cars and get compensation for some reasons, but maintenance means damage to the car accident, and it is difficult for insurance companies to determine the damage, and the probability of no longer getting compensation is very high.

◆ Drive again after the accident causes damage.

After the accident, the driver should take reasonable and necessary measures not to increase the loss of the vehicle. If it is a secondary loss caused on the way after the accident, the insurance company will not compensate for this loss.

How to minimize the loss?

If you are a car owner who often goes to other places, you can choose a national insurance company. When out of danger in different places, local compensation can be realized, and these insurance companies will also provide services such as road rescue, which will save some unnecessary troubles for car owners and minimize losses.

In addition, we also need to pay attention to the exemption scope of insurance companies: driving without a license, expired driver's license, holding a driver's license that has not been verified according to the regulations, the driver does not match the quasi-driving model, drunk driving, and failing to report the case within 48 hours.

References:

Baidu Encyclopedia: Motor Vehicle Insurance