How should I make a claim if I am in danger during a long-distance self-driving trip?

With the increase in the number of car owners, self-driving tours have become the preferred holiday activity for many car owners. During the Spring Festival in 2006, many car owners in Beijing drove out to visit relatives and travel, resulting in a sharp increase in accidents in other places. The reporter learned from the Beijing Branch of PICC Property and Casualty Insurance Company, the largest auto insurance underwriting company in Beijing, that in the seven days from January 29 to February 4, PICC *** received 3,744 auto insurance accident reports and dispatched 130 rescue teams to PICC customers. The vehicle was towed and rescued. Although car owners in Beijing have reduced the number of vehicles they use due to going out or resting at home, thus reducing the vehicle accident rate in urban areas. However, due to the fog and snow in North China during the Spring Festival, the number of vehicles in Beijing that have been involved in accidents has increased significantly. PICC received vehicles from Beijing within seven days There were as many as 600 accidents in other places, nearly double the number of reported accidents in other places during the National Day Golden Week. The main types of accidents were collisions and scratches. For car owners, on the way to a happy self-driving tour, it is increasingly important to learn how to rescue and report insurance after an accident.

Case Replay

During this year’s long holiday, Xiao Lu took a break from his busy schedule and drove back to his parents’ house in Shanghai for the first time to celebrate the New Year. When the car was driving more than 400 kilometers on the Beijing-Shanghai Expressway, Xiao Lu's car suddenly had a tire blowout, causing the vehicle to lose control and slide. A Bora car behind had no time to dodge, and the two cars collided firmly. When the vehicle stopped, Xiao Lu quickly got out of the car and took a look. The two vehicles were completely unrecognizable, but fortunately no one was injured. Xiao Lu quickly called the police report and placed a warning sign behind the accident car.

The traffic police arrived after a while, and an on-site investigation determined that Xiao Lu was fully responsible for the accident. After mediation by the traffic police, Xiao Lu finally settled the matter by paying the other party 20,000 yuan in compensation. At this time, Xiao Lu, who was still in shock, had long lost his good mood for the New Year. He immediately hired a large truck and towed his car back to Beijing.

At this time, Xiao Lu remembered to report the crime to the insurance company. But after Xiao Lu told the insurance company's claims adjuster about the accident, the insurance company's claims adjuster told Xiao Lu that he should provide photos of the accident of the other party's vehicle and a loss determination form issued by the insurance company.

After many efforts, Xiao Lu finally found the photos of the accident scene taken by the traffic police, and further provided a list of repair items for the other party's vehicle. The insurance company finally decided to pay Xiao Lu.

Special reminder

Occasionally, accidents in other places are unavoidable. Through Xiao Lu’s experience, we remind car owners that in order to minimize losses, it is recommended that you do the necessary things for your car before traveling. Prepare while learning the claims process.

Prompt maintenance and safe driving

1. Before traveling, be sure to conduct a comprehensive inspection of your car.

2. During driving, be sure not to drive tiredly. It is best to drive with several people in turns. If you drive alone, you must take a break every three hours.

3. Once a traffic accident occurs on the highway, on the one hand, a clear sign must be placed behind the car; on the other hand, the traffic police must be notified immediately. If there are casualties, active rescue and emergency assistance must be provided Request help from a medical facility.

Follow the prescribed procedures to claim compensation

If your vehicle is involved in an accident in another place, you can make a claim according to the following procedures:

1. Report the incident and provide the company with the reporting phone number ;

2. Wait for on-site processing. The insurance company will promptly dispatch survey personnel from the local branch to the accident scene. If the vehicle cannot drive, please wait for vehicle rescue;

3. Propose Claim request;

4. Cooperate with the insurance company to conduct accident investigation;

5. Accident settlement;

6. Submit claim materials. If no injuries are involved, Generally required documents for claim settlement include: claim application form, driver's license (original and duplicate), driving license (original and duplicate), traffic accident certificate, traffic accident compensation mediation letter, court judgment (if there is a lawsuit), vehicle repair invoice, Originals of rescue fees and related supporting bills, compensation receipts and ID cards;

7. Compensation review;

8. Receive compensation. For safety reasons, it is recommended to choose the option for large compensation. Receive compensation by transfer.

Insurance Tips

1. When purchasing vehicle insurance, you need to read the terms carefully, especially the deductible part. If you don’t understand, you need to clarify it. It is best to consult Professionals.

2. When you encounter an accident, please notify the insurance company in time so that you can be more fully prepared for subsequent claims.

3. According to the different circumstances of the accident, when submitting proof to the insurance company, make a phone call first to inquire, and then go to claim for compensation after confirming that the required documents are complete, so as to avoid getting half the result with twice the effort.

4. When the vehicle is transferred, the insurance contract must be re-applied, otherwise it will be invalid. You must pay attention to this when buying a used car.

5. Pay attention to the validity period of the insurance contract and apply for the next year's contract as soon as possible to avoid a vacuum period.

Tips

Try not to claim for minor accidents

Do not go to the insurance company to claim for minor accidents. If there is no insured accident that year, the insurance company will give you a 10% no-compensation benefit in the second year, which is a huge discount. Therefore, if the accident is minor, it is better to weigh it before deciding whether to file a claim with the insurance company.

There is a range of compensation for third party insurance

Generally speaking, in the third party insurance of motor vehicles, the insurance company is the "first party", and in principle, the vehicle involved in the accident is regarded as the second party. This includes the insured, the driver hired by the insured, the persons permitted to drive the vehicle, and the persons and property on the vehicle. It also includes the driver and his family members and the insured when the vehicle is involved in an accident. Family members, other people and things are the third party. Therefore, if a person in the car is injured in an accident, or if a relative is injured while driving, they will not be covered by the third party insurance.

Don’t hit and run

Hit and run is absolutely despised. According to regulations, insurance companies will not pay any compensation to policyholders who commit hit-and-run accidents. Besides being arrested, this is the price you have to pay for a hit and run. Under what circumstances will compensation be refused

1. Lost or scratched in a paid parking lot: According to the regulations of the insurance company, the insurance company will not be responsible for any vehicle stolen in a paid parking lot or commercial repair shop. compensation. Because the above-mentioned places are responsible for the safekeeping of vehicles, the custodian shall bear liability if the vehicle is damaged or lost due to improper care by the custodian during the storage period. The insurance company is not responsible for compensation. Therefore, whether the car is lost or dinged, the insurance company does not care. The correct way at this time is to find a parking lot and file a claim.

2. You will not recover if the other party is solely responsible: Once an accident occurs and the responsibility lies with the other party, the insured must first make a claim to the third party before he or she can obtain compensation from the insurance company. Once you give up your right to recover from a third party, you also give up your right to demand compensation from the insurance company.

3. Vehicles without annual inspection are in danger: According to the insurance contract, the insurance is only effective for qualified vehicles, and vehicles without annual inspection can only be regarded as unqualified vehicles. In this case, your insurance is in vain. superior. Be sure to have your annual inspection on time, never a day later. Otherwise, the fine will be a small matter, but the refusal to compensate will be a big deal. No compensation will be paid if the car is lost or damaged. Even if a traffic accident causes losses to a third party, the third party insurance will not be effective. All compensation will be borne by you, and the insurance is in vain.

4. The driver does not have an annual review: The driver’s driving license does not have an annual review, and the vehicle he drives is an unqualified vehicle. The insurance company can reject any claim based on the insurance contract.

5. Unlicensed vehicle accident: When the vehicle is in danger, insurance vehicle claims must meet two conditions: first, the insured vehicle must have a driving license or number plate issued by the public security and traffic management department; second, it must be in accordance with the regulations During the period, it shall be inspected and passed by the public security and traffic management department. Therefore, before registering your new car, remember to protect your car from being stolen or hit.

What should I do if my car is lost during the long vacation?

If you leave your car at home during a long vacation and it is lost, you should immediately call 110 to call the police and report the case to the insurance company (provided that the car is insured against theft). When the police arrive, they must make a written report. It usually takes 60 days to 3 months to wait for a claim. During this period, check the vehicle driving license, vehicle purchase invoice, vehicle purchase surcharge payment receipt and voucher or vehicle purchase tax payment certificate and vehicle purchase tax payment receipt or tax exemption certificate. , Motor vehicle registration certificate and other procedures are complete. If the vehicle is lost, replace it immediately.

After 60 days or three months, you can file a claim with the insurance company.

In addition to providing the above-mentioned vehicle certificates when making a claim, the following supporting materials are also required:

1. Original insurance policy; Proof of filing a robbery case;

3. "Vehicle Stopping Certificate" issued by the transportation department, and "Vehicle Registration File Sealing Certificate" issued by the vehicle management department;

4. "Motor Vehicle "Insurance Claim Application Form";

5. "Motor Vehicle Insurance Rights Transfer Form".