I. report to the police in time in case of traffic accident
The first thing to do after a traffic accident is to report it in time. In addition to reporting the traffic accident to the traffic management department, it is also necessary to report the accident to the insurance company in time. On the one hand, let the insurance company know that the applicant has a traffic accident, on the other hand, you can also consult with the insurance company about how to deal with and protect the scene, and the insurance company will teach the motorists how to ask for the accident certificate from the other party.
II. Timely communication with insurance company after traffic accident
Secondly, we should communicate with the insurance company in time. The company is mainly responsible for assisting the insurance company to complete the necessary work of vehicle survey, photographing and loss assessment. Before closing the case, you should know from the traffic control department how much responsibility you should bear in the accident, how much loss you should lose and how much compensation you should pay for the injured. Then you should ask the insurance company what can be compensated and what can not be compensated to minimize the loss. At the same time, when the owner is looking for the trailer of the rescue company and the repair shop to repair the car, he should timely communicate with the insurance company about the price, so as to avoid the big difference between the price offered by the rescue company or the repair shop and the compensation price of the insurance company. For the loss of vehicles not found in the loss determination, the insurance company shall be informed in time, and the insurance company shall conduct a second survey to determine the loss, and the additional loss shall not be paid by the owner himself. If the insurance accident is damaged or the property of a third party is damaged, it shall be repaired as much as possible. Before repair, the insured shall check with the insurance company to determine the repair items, repair methods and repair costs. If the customer repairs by himself, the insurance company will recheck or even refuse to compensate. After the vehicle is repaired, the repair quality must be checked before paying the repair cost and handling the vehicle receiving formalities.
Third, the choice of traffic accident claims is private or public
1. I like to be private after a traffic accident, which means I'm afraid of trouble. I think it's a waste of time to settle a claim. I'd rather waste this time arguing with the other car owner. The result is a delay in the settlement of claims, often without compensation at both ends, bitter water can only be swallowed in the stomach. So when there is a traffic accident, it's better not to be private, not to swallow.
2. Even a small scratch should be paid by the insurance company. This is a waste of time, but also increased their own claims rate, because the insurance company has a certain discount according to the accident rate of car owners every year. Taking Pacific Insurance Company as an example, Pacific Insurance company stipulates that after the insured vehicle has been insured for three times, the insurance company will increase the deductible by 5% on the basis of the deductible specified in the clause for each additional insured accident from the fourth accident, and the deductible will increase by 15% at most within one year. From this point of view, that little loss is not worth settling. Therefore, it is suggested that when there is a small loss, there is no need to waste energy running around.