Now, the owner will be the vehicle for their own a vehicle insurance. However, the number of vehicles in Danger after many owners do not know how to use the insurance claims were legitimate, Some people are not even sure what the insurance company paid, regardless of what the insurance companies; Some owners and his car accident, anxious to know not only attention to the protection of the scene, it was not clear the claim process Results claims to insurance companies will be very passive; Some owners even with the insurance company to unpleasant incidents disputes. View of the above circumstances, we selected the owners of the most commonly encountered in Danger cases, the number of companies interviewed loss adjuster, Danger claim as the owner mentioned some practical suggestions. Process a claim, there should be promptly reported after the accident, we should first report in a timely manner. In addition to the traffic management departments to report it, we must, within 48 hours of the insurance companies reported. For unilateral incident, the report can be directly dialed phone can be damaged to a set of qualified auto plants specializing in the report and set loss. Two, set loss to the main insurance companies responsible for both incidents, they must call the 122 traffic police Desk, from the traffic control department finds both the responsibility and the responsibility of the relevant produce exporters; Following the primary responsibility for the direction of the insurance company reported that the parties together to insurance companies set loss. 3, proved to provide complete report after should provide proof or documentation : the validity of the original policies; insured person an identity card. After passing the inspection of vehicles insured certificates; the accident occurred when the driver of the driver's license, This driver's license must pass through the annual evaluation and determine the potential scope - drive; belong to road traffic accidents. should provide traffic control authorities issued the incident proved; non-road traffic accidents and should provide the corresponding accident proof; accidents resulting from the loss of inventory and the cost of documentation. 4, 10 days are required to submit claims documentation procedures more than ready, can be on the underwriting of insurance companies or loss determined eligible vehicles photographed specializing in plant set loss, the loss adjuster. Repair all the damage that must be fixed by the loss of this link to the approved projects and the amount of loss. After the scheduled loss can repair damaged vehicles. After the accident, 10 days, to document insurance company claims by insurers calculate payouts The insurance company will then notify the receiving compensation. Case 1 Case Analysis portfolio of golf on the neighborhood get the vehicles were discovered before Bumpers large area of cooperation, rub, the perpetrators escaped, how claims to insurance companies? The correct approach : Community property requirements issued vehicles rub the incident proved that the incident described in detail rub parts, vehicles damaged, rub the incident occurred and the time when a third party is true escape situations, and the insurance company within 48 hours of the report; reminded : This escape of a third party, property owners need to district vehicles were issued rub the incident proved that carrying the driving, operating certificates, insurance cards to insurance companies claim; clear right and responsibility to complete the formalities accident from the maintenance side of the insured person advances maintenance cost, direct compensation. Analysis of the concept : direct compensation refers to the vehicle maintenance costs directly by insurance companies and pay a maintenance Guitar, Insurers are not required to pay maintenance costs, only Jiaoqi related materials may be removed vehicles. Case 2 ALLEN drive normal conditions, the youth broke into a vehicle Cycling Road, causing broken vehicle headlamps, Bumper rub the incident, the young legs, sustained minor injuries and how to make insurance claims? The correct approach : First, the owners should not panic and look at riding their bicycles and losses; Then, confirmed responsibility for the accident, If Biking or pedestrians full responsibility, the responsibility should be held responsible for compensation, but the insurance company to pay compensation obligations; reminded : Since the accident, as responsible, the insurance company's liability is not the same, if the owner is fully responsible, the insurance company is liable if a pedestrian responsibility, the insurance company is not responsible for the compensation. If vehicle to vehicle traffic between the claimant huge sum of money. insurance companies sometimes requires the parties to the insurance company, reenacting the scene of the accident. Case three traffic process, the windscreen smashed by flying stones, resulting in separate glass breakage, How claim to the insurance company? The correct approach : First, the need for clarity in Danger car owners is whether the vehicle damage, the glass is broken. If this is the case belongs Chesunjian, insurance companies have the obligation to compensate the owner can be reported to insurance companies. If there is only broken glass alone, some insurance companies are not compensable. Unless the owners individually insured broken glass separate insurance. Reminded : the owner when the insured must pay attention to see the terms and coverage, Some types of insurance money and fixed disc, some of the need for separate insurance, Do not wait until the escape from danger when they are found not insured, after all, a glass windshield is not a small sum of money. Case four was in a moving vehicle, the insurance company does not pay compensation? The correct approach : first vehicle to check whether it was in other parts of vehicles caused injury, if any damage, Injury components will be damaged by the car insurer claims; If caused by a tire blowout at a tire, a separate Hoop damaged, insurance companies are not the settlement. Reminded : If tire was in traffic accidents caused by the collision of other vehicles causing other vehicles losses insurance companies will crash found responsible for the accident, According Chesunjian third party liability insurance, and other related claims involving the accident to the types of claims. Case five cars parked in the residential quarter has been falling from a height hit a concave, how to claim insurance companies? The right thing : kind of compensation may be compensable the "edge ball" to the owners or meteorological departments issued the same day the meteorological conditions or prove to the newspapers that day weather forecast for the vouchers, Note the same day high-altitude weather conditions led to falling objects, or objects falling is proved by its own making, responsibility for the accident were insured, the insurance company could do to damage a vehicle for compensation. Six cases of vehicle theft and robbery, and the insured person is at fault, such as the loss of the insured person operating certificates, spare keys, how to claim insurance companies? Correct : Diuche After the accident, the 24-hour escape from danger to the public security department of criminal investigation report and notify the insurance company. Special Tip : Daochengjian vehicles provided by the insurer lost operating certificates, the original purchase invoice, vehicle purchase tax surcharge per document a 0.5% increase in the absolute deductible; lost car keys 5% increase in the absolute deductible. These provisions are reflected in policies, the insured person should read carefully the terms.