After traffic accident, the insurance claim five steps walk

After traffic accident, the insurance claim is a more complex process, believes the fine standard to insure the expert to remind everybody, certainly must pay attention to the automobile insurance claim procedure:after the first step newspaper compensates has the traffic accident, should properly protect the good scene, and reports promptly to the Insurance company, at the same time the road surface accident must report the Traffic department to process, (because the non-road surface traffic accident for example vehicles driving reason hits on tree or wall), should write up the supporting document. second step escapes from danger the situation, simultaneously damages surely to the vehicles, the estimate reasonable expense, and informs the vehicle owner the repair shop deal with accident vehicles which assigns to the Insurance company. If the vehicle owner requests to repair voluntarily, should handle studies independently the procedure, the repair expense like surpasses damages the expense surely, will pay voluntarily by the vehicle owner surpasses the part. 2. pair of third party risk claim, but should also determine legally by the Insurance company to the amount of indemnification, and pays damages based on the sum insured. Amount of indemnification which bring to a conclusion in private regarding the person insured and the third party, the Insurance company may refuse to pay damages.after 1.th third step payment stipulation total loss insures the vehicles have the total loss, if the insurance is equal to or is lower than escapes from danger actual value then, according to insurance compensation. 2. after insuring the vehicles have the total loss, if the insurance is higher than escapes from danger actual value then, according to escaping from danger time actual value compensation. 1.th fourth step payment stipulation partial losses insures the vehicles to receive partially loses, its insurance achieves when the insurance actual value, regardless of insurance whether to be lower than the actual value which escapes from danger, has the partial losses to defer to the actual repair expense compensation; The safe vehicles' insurance is lower than the insurance the actual value, has the partial losses according to the insurance with the escaping from danger time actual value proportion compensation repair expense. 2. insures the vehicles to lose the highest compensation volume to be limited to by the insurance. Fifth step payment time in vehicles repair or from the traffic accident processes settles a lawsuit in date for three months, the person insured should hold the insurance policy, the accident to process the proof, the accident reconciliation agreement, the repair detailed list and other related proved the Insurance company receives the indemnity. If has the dispute with the Insurance company not to be able to reach the agreement, may apply for the arbitration to the economic contract Arbitration authority or file the charge to the People's court.