For friends who have bought auto insurance, there will be a confusion, that is, whether there is a threshold fee. Xiaobian tells you here that generally 90% of cities do not have a threshold fee, so you should not be fooled by some insurance companies. At the same time, you also need to know the claim settlement standard. The following Xiaobian will sort it out for you.
Standard for auto insurance claim settlement:
1、 Medical expenses: within the scope of public medical expenses, it shall be calculated according to the expenses necessary for the hospital to treat the party's traffic accident trauma, and shall be paid according to the evidence.
2、 Work delay fee: if the party has fixed income, it shall be calculated according to the fixed income reduced due to work delay. If the income is more than 3 times the average living expenses in the place where the traffic accident occurs, it shall be calculated according to 3 times; If there is no fixed income, it shall be calculated according to the average income of the same state-owned industry in the place where the traffic accident occurs.
3、 Hospitalization food subsidy: calculated according to the travel food subsidy standard of state organ staff in the place where the traffic accident occurs.
4、 Nursing expenses: during the hospitalization of the injured, if the nursing staff have income, it shall be calculated according to the provisions on lost time expenses; If there is no income, it shall be calculated according to the average living expenses in the place where the traffic accident occurs.
5、 Living allowance for the disabled: calculated according to the level of disability and the average living expenses of the place where the traffic accident occurs. Compensation shall be made for 20 years from the month of disability determination.
6、 Cost of disability supplies: if the equipment with compensation function needs to be prepared due to disability, it shall be calculated according to the cost of universal equipment with the certificate of the hospital.
7、 Funeral expenses: paid according to the funeral expenses standard in the place where the traffic accident occurred.
8、 Death compensation: calculated according to the average living expenses of the place where the traffic accident occurs, the compensation is 10 years. For those under the age of 16, the age shall be reduced by 1 year for each year younger; For those over 70 years old, the age shall be reduced by 1 year for each additional year, and the minimum shall not be less than 5 years.
9、 Living expenses of dependants: limited to those who were actually supported by the deceased or the disabled before they lost their ability to work and have no other sources of livelihood, and calculated according to the living difficulties subsidy standard of residents in the place where the traffic accident occurred. Raise people under the age of 16 until they reach the age of 16. Raise people who are unable to work for 20 years.
10、 Transportation fee: it shall be calculated according to the actual necessary expenses of the parties and paid according to the documents.
11、 Accommodation fee: it shall be calculated according to the travel accommodation standard of general staff of state organs in the place where the traffic accident occurs, and shall be paid with credentials.
Basic process of auto insurance claim settlement:
Accident - Report - Survey - loss determination - price verification - loss verification - claim verification - payment
The basic process of the owner's claim settlement: 1. Show the insurance document; 2. Show the driving license; 3. Show your driver's license; 4. Show the ID card of the insured; 5. Show the insurance policy; 6. Fill in the accident report form; 7. Fill in the accident process in detail; 8. Fill in the details of the reporter, driver and contact number; 9. Check the appearance of the vehicle and take photos to determine the damage; 10. The claim adjuster shall lead the owner to conduct vehicle appearance inspection; 11. Take photos and check the damage according to the report filled in by the owner; 12. The claim adjuster reminds the owner whether there are valuables on the vehicle; 13. Deliver to the maintenance station for repair; 14. The claim adjuster issues a task order to determine the maintenance items and maintenance time; 15. The owner signs for approval; 16. The owner shall hand over the vehicle to the maintenance station for maintenance.