How to settle claims in Macao traffic accident insurance

Car owners can directly apply to Macao insurance company for equivalent priority insurance that meets the requirements, and there is no need to apply for compulsory insurance in the Mainland.

"Equal preemption" means that Macao motor vehicles enter and leave the Mainland through the Hong Kong-Zhuhai-Macao Bridge and Zhuhai Highway Port and only travel within the administrative area of Guangdong Province. If the insurance coverage and insurance amount of Macao insurance companies have covered the mainland's compulsory insurance, they are deemed to have been insured.

Cross-border vehicle owners can directly apply for insurance from local insurance companies in Macao, and on the basis of their original auto insurance, they can additionally apply for an equivalent insurance for cross-border vehicles in the Mainland of Hong Kong-Zhuhai-Macao Bridge, so as to fully enjoy the convenience of customs clearance. In addition, car owners can also apply for additional insurance for cross-border vehicle commercial insurance of Hong Kong-Zhuhai-Macao Bridge according to actual needs, so as to further improve the insurance protection for cross-border traffic. The list of Macao insurance companies engaged in the above-mentioned cross-border auto insurance business can be found in official website Guangdong Insurance Industry Association.

Macao motor vehicles insured with "equivalent preemption" insurance have basically the same claim process as mainland vehicles and enjoy the same services as mainland insurance policies. Specifically, when a traffic accident occurs in Guangdong Province, you can directly contact the cooperative insurance institution of the "equivalent preemption" insurance company in the Mainland for handling.

In the accident scene handling part, if there is a traffic accident in the inland section of the Hong Kong-Zhuhai-Macao Bridge, call the dispatching hotline of the monitoring center of the Hong Kong-Zhuhai-Macao Bridge Administration and the service hotline of relevant insurance companies to handle the accident scene according to the guidance of rescuers and insurance companies; If it is a traffic accident in other sections of Guangdong, the owner can call 1 10 or 122 as soon as possible on the premise of ensuring safety, and at the same time call the service hotline of the insurance company to handle the accident scene according to the guidance of the traffic police and the insurance company. After the on-site traffic accident is handled, the follow-up procedures such as loss determination and compensation can be completed according to the guidance of the insurance company's claims personnel.

legal ground

Regulations of People's Republic of China (PRC) Municipality on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents

Article 2 The owner or manager of a motor vehicle driving on the road in People's Republic of China (PRC) shall handle compulsory motor vehicle traffic accident liability insurance in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

These Regulations shall apply to the insurance, compensation, supervision and management of compulsory motor vehicle traffic accident liability insurance.

Article 3 The compulsory motor vehicle traffic accident liability insurance mentioned in these Regulations refers to the compulsory liability insurance in which the insurance company compensates the victims except the vehicle personnel and the insured for personal injuries and property losses caused by the road traffic accident of the insured motor vehicle within the limit of liability.

Article 4 The the State Council Insurance Regulatory Authority (hereinafter referred to as the China Insurance Regulatory Commission) shall supervise and administer the motor vehicle traffic accident liability compulsory insurance business of insurance companies according to law.

The traffic administrative department of the public security organ and the competent department of agriculture (agricultural machinery) (hereinafter referred to as the motor vehicle administrative department) shall supervise and inspect the participation of motor vehicles in compulsory liability insurance for motor vehicle traffic accidents. Motor vehicles that have not participated in compulsory motor vehicle traffic accident liability insurance shall not be registered by the motor vehicle management department, and shall not be inspected by the motor vehicle safety technical inspection agency.

The traffic administrative department of the public security organ and its traffic police shall, when investigating and handling road traffic safety violations and road traffic accidents, check the insurance signs of compulsory motor vehicle traffic accident liability insurance according to law.