Determine the amount of insurance for motor vehicle damage insurance research claims is important. Therefore, we should first find out the amount of insurance a first determined how. "Motor vehicle insurance policy." Article 8 provides that the amount of loss of vehicle insured by the insured and the insurer to select the following three ways negotiated :( a) of the new car to purchase consultation. New car to purchase refers to the insurance contract to purchase the same type of car insurance vehicle (including vehicle purchase surcharge) price. (Ii) to determine the actual value when the insured. The actual value is the new car to purchase similar vehicles market minus the price of the car has been used amount after years of depreciation. Per full year depreciation deduction 1-year period, less than one year parts, excluding off f day. Depreciation rate according to relevant state regulations. But the maximum amount does not exceed 80% depreciation of the new car to purchase. (Iii) negotiated by the insured and the insurer. But the insurance amount shall not exceed the same type of new car to purchase, the excess is invalid. The insurer bear the corresponding liability is determined according to the different ways the amount of insurance. Insurance companies will be bear the corresponding liability insurance amount is determined according to the different way.
If the insured vehicle traffic accidents, insurance claims relating to the basic procedure is :( a) issue notice of dangerous condition. Chuxian notice also known as "notice of claim" or "loss," which refers to the insured vehicle after the accident, the insured vehicle reporting losses to insurance companies in accordance with the relevant provisions of the insurance contract and to bring a claim. After the car accident occurred shall promptly report, to protect the scene, and promptly notify the traffic management department and the insurance company, if its own injury or other circumstances can not complete the above matters may authorize another person to handle, the parties shall promptly carry insurance, driver's license until the terms of the insurance company report, fill in the registration form after a report by the claims personnel audit, receive "prove dangerous condition" and "dangerous condition notice" after is really correct, fill. (B) accept the claims personnel inspect damaged vehicles after the insured vehicle accident, the parties should assist the claims personnel inspect the damaged vehicle, to receive "the accident vehicle repair prop repair list", with the single insurance company designated repair shop to repair damaged vehicles . If you require elsewhere repairs, care must be within the scope of the repair single valuation repair, excess part of the repair quality, and other consequences. After closing or repair should be returned the documents to the insurance company within one year. (Iii) to provide documents to the insurance company claims. The so-called claim documents is the ability to demonstrate and prove that the nature of the information the insured vehicle accident, the cause of the loss of the program and so on. Specifically divided into the following situations: (1) notice of the dangerous condition (sealed units); (2) the dangerous condition of proof (the traffic management department seal); (3) the accident vehicle repair prop repair orders (in sealed cover repair shop chapter); (4) repair invoice (buses provide a copy, the original cross-member private car); (5) a list of the junction (maintenance vehicle construction single) originals; (6) repair bill of materials (BOM) of the original; if involving personal disability, fatalities, in addition to the above proof, should provide the following documents: (1) the injured diagnostic proof (above the county level hospitals); (2) the disabled person forensic identification book; death certificate (3) of the deceased ; (4) the rescue, treatment and other types of expense receipts, compensation fee receipt (public security traffic management department seal valid); (5) Traffic Accident Liability Confirmation; (6) Accident damages mediation; (7) casualties who proved wages, family situation or circumstances prove deed; (8) other necessary proof. If it is by the insurance company agrees to use our own imported parts should provide proof of the following: (1) the invoice; (2) packing list; (3) the shipper; (4) declaration: (5) unstamped. If the dangerous condition of the outer provinces should provide: (1) report on behalf of exploration; (2) repair agreement; (3) the accident photos. If you simply personal injury, to take good care of policyholders' damaged vehicle identification list ", and along with other supporting documents be returned to the insurance company together. After the paperwork by the above procedures, the next step is to receive compensation. Supporting documentation is complete and correct after closing by the claims personnel, from 10 to 15 can receive compensation, when receiving compensation, to carry the good about the documents. If it is a bus, with a seal and valid documents payee; if you are a private car with the owner and the payee's identity card.
